LAURENTIAN BANK OF CANADA (LB.CA) Stock Fundamental Analysis
Canada - TSX:LB - CA51925D1069 - Common Stock
33.3 CAD
+0.7 (+2.15%)
Overall LB gets a fundamental rating of 2 out of 10. We evaluated LB against 26 industry peers in the Banks industry. LB has a bad profitability rating. Also its financial health evaluation is rather negative. LB has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
LB had positive earnings in the past year.
In the past year LB had a positive cash flow from operations.
Of the past 5 years LB 4 years were profitable.
Of the past 5 years LB 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.27%, LB is doing worse than 96.15% of the companies in the same industry.
LB has a worse Return On Equity (4.72%) than 96.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 4.72% | ||
| ROIC | N/A |
ROA(3y)0.24%
ROA(5y)0.21%
ROE(3y)4.34%
ROE(5y)3.72%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
LB has a worse Profit Margin (13.61%) than 96.15% of its industry peers.
LB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.61% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for LB has been increased compared to 1 year ago.
LB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LB has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of LB is 32.36, which is on the high side as it means it would take LB, 32.36 years of fcf income to pay off all of its debts.
LB's Debt to FCF ratio of 32.36 is on the low side compared to the rest of the industry. LB is outperformed by 84.62% of its industry peers.
LB has a Debt/Equity ratio of 6.50. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 6.50, LB is not doing good in the industry: 96.15% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.5 | ||
| Debt/FCF | 32.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
LB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.82%.
The Earnings Per Share has been decreasing by -3.42% on average over the past years.
The Revenue has decreased by -2.48% in the past year.
The Revenue has been growing slightly by 1.01% on average over the past years.
EPS 1Y (TTM)-13.82%
EPS 3Y-7.82%
EPS 5Y-3.42%
EPS Q2Q%-11.36%
Revenue 1Y (TTM)-2.48%
Revenue growth 3Y0.52%
Revenue growth 5Y1.01%
Sales Q2Q%-3.78%
3.2 Future
Based on estimates for the next years, LB will show a small growth in Earnings Per Share. The EPS will grow by 0.78% on average per year.
Based on estimates for the next years, LB will show a small growth in Revenue. The Revenue will grow by 0.82% on average per year.
EPS Next Y-12.07%
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
EPS Next 5YN/A
Revenue Next Year-2.87%
Revenue Next 2Y0.05%
Revenue Next 3Y0.82%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.47, the valuation of LB can be described as very reasonable.
LB's Price/Earnings ratio is a bit more expensive when compared to the industry. LB is more expensive than 69.23% of the companies in the same industry.
When comparing the Price/Earnings ratio of LB to the average of the S&P500 Index (26.10), we can say LB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.70, the valuation of LB can be described as reasonable.
73.08% of the companies in the same industry are cheaper than LB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, LB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 9.7 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of LB indicates a somewhat cheap valuation: LB is cheaper than 76.92% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
5. Dividend
5.1 Amount
LB has a Yearly Dividend Yield of 5.77%, which is a nice return.
Compared to an average industry Dividend Yield of 3.60, LB pays a better dividend. On top of this LB pays more dividend than 96.15% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, LB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.77% |
5.2 History
The dividend of LB decreases each year by -4.14%.
LB has paid a dividend for at least 10 years, which is a reliable track record.
LB has decreased its dividend recently.
Dividend Growth(5Y)-4.14%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
LB pays out 64.28% of its income as dividend. This is not a sustainable payout ratio.
DP64.28%
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
TSX:LB (10/31/2025, 7:00:00 PM)
33.3
+0.7 (+2.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners22.77%
Inst Owner ChangeN/A
Ins Owners0.2%
Ins Owner ChangeN/A
Market Cap1.48B
Revenue(TTM)989.73M
Net Income(TTM)134.68M
Analysts43.75
Price Target30.6 (-8.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.77% |
Yearly Dividend1.95
Dividend Growth(5Y)-4.14%
DP64.28%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.76%
Min EPS beat(2)-0.81%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)0.64%
Min EPS beat(4)-0.81%
Max EPS beat(4)4.33%
EPS beat(8)1
Avg EPS beat(8)-2.77%
EPS beat(12)4
Avg EPS beat(12)-1.4%
EPS beat(16)7
Avg EPS beat(16)0.7%
Revenue beat(2)0
Avg Revenue beat(2)-3.6%
Min Revenue beat(2)-3.76%
Max Revenue beat(2)-3.44%
Revenue beat(4)0
Avg Revenue beat(4)-2.85%
Min Revenue beat(4)-3.76%
Max Revenue beat(4)-1.48%
Revenue beat(8)0
Avg Revenue beat(8)-3.21%
Revenue beat(12)0
Avg Revenue beat(12)-3.39%
Revenue beat(16)1
Avg Revenue beat(16)-3.14%
PT rev (1m)0%
PT rev (3m)2.01%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)-3.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 9.7 | ||
| P/S | 1.5 | ||
| P/FCF | 2.27 | ||
| P/OCF | 2.14 | ||
| P/B | 0.52 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.18
EY9.55%
EPS(NY)3.43
Fwd EY10.31%
FCF(TTM)14.69
FCFY44.13%
OCF(TTM)15.58
OCFY46.77%
SpS22.22
BVpS64.1
TBVpS59.98
PEG (NY)N/A
PEG (5Y)N/A
Graham Number67.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 4.72% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.61% | ||
| GM | N/A | ||
| FCFM | 66.14% |
ROA(3y)0.24%
ROA(5y)0.21%
ROE(3y)4.34%
ROE(5y)3.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.5 | ||
| Debt/FCF | 32.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 87.27% | ||
| Cap/Sales | 3.97% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 486.05% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.36%
ROIC/WACCN/A
Cap/Depr(3y)82.94%
Cap/Depr(5y)75.57%
Cap/Sales(3y)4.5%
Cap/Sales(5y)4.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-13.82%
EPS 3Y-7.82%
EPS 5Y-3.42%
EPS Q2Q%-11.36%
EPS Next Y-12.07%
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.48%
Revenue growth 3Y0.52%
Revenue growth 5Y1.01%
Sales Q2Q%-3.78%
Revenue Next Year-2.87%
Revenue Next 2Y0.05%
Revenue Next 3Y0.82%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y307.42%
FCF growth 3Y19.88%
FCF growth 5YN/A
OCF growth 1Y218.27%
OCF growth 3Y13.85%
OCF growth 5YN/A
LAURENTIAN BANK OF CANADA / LB.CA FAQ
What is the ChartMill fundamental rating of LAURENTIAN BANK OF CANADA (LB.CA) stock?
ChartMill assigns a fundamental rating of 2 / 10 to LB.CA.
What is the valuation status for LB stock?
ChartMill assigns a valuation rating of 4 / 10 to LAURENTIAN BANK OF CANADA (LB.CA). This can be considered as Fairly Valued.
What is the profitability of LB stock?
LAURENTIAN BANK OF CANADA (LB.CA) has a profitability rating of 2 / 10.
How financially healthy is LAURENTIAN BANK OF CANADA?
The financial health rating of LAURENTIAN BANK OF CANADA (LB.CA) is 0 / 10.
Can you provide the dividend sustainability for LB stock?
The dividend rating of LAURENTIAN BANK OF CANADA (LB.CA) is 5 / 10 and the dividend payout ratio is 64.28%.