LAURENTIAN BANK OF CANADA (LB.CA) Fundamental Analysis & Valuation
TSX:LB • CA51925D1069
Current stock price
40.17 CAD
-0.01 (-0.02%)
Last:
This LB.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. LB.CA Profitability Analysis
1.1 Basic Checks
- In the past year LB was profitable.
- LB had a negative operating cash flow in the past year.
- 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
- LB's Return On Assets of 0.13% is on the low side compared to the rest of the industry. LB is outperformed by 95.83% of its industry peers.
- With a Return On Equity value of 2.35%, LB is not doing good in the industry: 95.83% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.13% | ||
| ROE | 2.35% | ||
| ROIC | N/A |
ROA(3y)0.18%
ROA(5y)0.21%
ROE(3y)3.21%
ROE(5y)3.81%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- LB has a worse Profit Margin (6.74%) than 95.83% of its industry peers.
- LB's Profit Margin has improved in the last couple of years.
- 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) | 6.74% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.99%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
2. LB.CA Health Analysis
2.1 Basic Checks
- LB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- LB has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, LB has more shares outstanding
- The debt/assets ratio for LB is higher compared to a year ago.
2.2 Solvency
- A Debt/Equity ratio of 6.42 is on the high side and indicates that LB has dependencies on debt financing.
- LB's Debt to Equity ratio of 6.42 is on the low side compared to the rest of the industry. LB is outperformed by 95.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.42 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. LB.CA Growth Analysis
3.1 Past
- LB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.23%.
- LB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.68% yearly.
- LB shows a decrease in Revenue. In the last year, the revenue decreased by -2.37%.
- The Revenue has been growing slightly by 0.26% on average over the past years.
EPS 1Y (TTM)-16.23%
EPS 3Y-16.57%
EPS 5Y0.68%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)-2.37%
Revenue growth 3Y-1.66%
Revenue growth 5Y0.26%
Sales Q2Q%1.12%
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 6.09% on average per year.
- LB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.51% yearly.
EPS Next Y4.07%
EPS Next 2Y6.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.88%
Revenue Next 2Y1.51%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. LB.CA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.90, the valuation of LB can be described as correct.
- Based on the Price/Earnings ratio, LB is valued a bit more expensive than the industry average as 70.83% of the companies are valued more cheaply.
- When comparing the Price/Earnings ratio of LB to the average of the S&P500 Index (25.23), we can say LB is valued slightly cheaper.
- LB is valuated reasonably with a Price/Forward Earnings ratio of 11.82.
- Based on the Price/Forward Earnings ratio, LB is valued expensively inside the industry as 83.33% of the companies are valued cheaper.
- The average S&P500 Price/Forward Earnings ratio is at 22.51. LB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 11.82 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.41
PEG (5Y)20.57
EPS Next 2Y6.09%
EPS Next 3YN/A
5. LB.CA Dividend Analysis
5.1 Amount
- LB has a Yearly Dividend Yield of 4.67%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.05, LB pays a better dividend. On top of this LB pays more dividend than 95.83% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.90, LB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
5.2 History
- The dividend of LB decreases each year by -4.29%.
- LB has paid a dividend for at least 10 years, which is a reliable track record.
- The dividend of LB decreased recently.
Dividend Growth(5Y)-4.29%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- 136.41% of the earnings are spent on dividend by LB. This is not a sustainable payout ratio.
DP136.41%
EPS Next 2Y6.09%
EPS Next 3YN/A
LB.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:LB (3/26/2026, 7:00:00 PM)
40.17
-0.01 (-0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-27 2026-02-27/bmo
Earnings (Next)05-29 2026-05-29
Inst Owners21.32%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap1.80B
Revenue(TTM)985.59M
Net Income(TTM)66.41M
Analysts41.67
Price Target39.42 (-1.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
Yearly Dividend1.99
Dividend Growth(5Y)-4.29%
DP136.41%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-01 2026-04-01 (0.47)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-11.03%
Min EPS beat(2)-12.55%
Max EPS beat(2)-9.5%
EPS beat(4)1
Avg EPS beat(4)-4.64%
Min EPS beat(4)-12.55%
Max EPS beat(4)4.33%
EPS beat(8)1
Avg EPS beat(8)-2.63%
EPS beat(12)3
Avg EPS beat(12)-3.48%
EPS beat(16)5
Avg EPS beat(16)-1.59%
Revenue beat(2)0
Avg Revenue beat(2)-2.97%
Min Revenue beat(2)-4.48%
Max Revenue beat(2)-1.47%
Revenue beat(4)0
Avg Revenue beat(4)-3.29%
Min Revenue beat(4)-4.48%
Max Revenue beat(4)-1.47%
Revenue beat(8)0
Avg Revenue beat(8)-2.73%
Revenue beat(12)0
Avg Revenue beat(12)-3.15%
Revenue beat(16)1
Avg Revenue beat(16)-3.17%
PT rev (1m)-0.44%
PT rev (3m)17.54%
EPS NQ rev (1m)-6.2%
EPS NQ rev (3m)-7.57%
EPS NY rev (1m)-1.23%
EPS NY rev (3m)-7.64%
Revenue NQ rev (1m)-0.32%
Revenue NQ rev (3m)-1.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 11.82 | ||
| P/S | 1.82 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.64 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.89
EY7.19%
EPS(NY)3.4
Fwd EY8.46%
FCF(TTM)-9.8
FCFYN/A
OCF(TTM)-8.95
OCFYN/A
SpS22.04
BVpS63.12
TBVpS59.46
PEG (NY)3.41
PEG (5Y)20.57
Graham Number64.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.13% | ||
| ROE | 2.35% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 6.74% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.18%
ROA(5y)0.21%
ROE(3y)3.21%
ROE(5y)3.81%
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 3Y-14.99%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.42 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 69.59% | ||
| Cap/Sales | 3.85% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC5.86%
ROIC/WACCN/A
Cap/Depr(3y)71.61%
Cap/Depr(5y)80.26%
Cap/Sales(3y)3.82%
Cap/Sales(5y)4.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-16.23%
EPS 3Y-16.57%
EPS 5Y0.68%
EPS Q2Q%-16.67%
EPS Next Y4.07%
EPS Next 2Y6.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.37%
Revenue growth 3Y-1.66%
Revenue growth 5Y0.26%
Sales Q2Q%1.12%
Revenue Next Year0.88%
Revenue Next 2Y1.51%
Revenue Next 3YN/A
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 1Y-420.82%
FCF growth 3Y-25.71%
FCF growth 5Y-12.26%
OCF growth 1Y-736.6%
OCF growth 3Y-24.78%
OCF growth 5Y-11.39%
LAURENTIAN BANK OF CANADA / LB.CA Fundamental Analysis 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.
Can you provide the valuation status for LAURENTIAN BANK OF CANADA?
ChartMill assigns a valuation rating of 2 / 10 to LAURENTIAN BANK OF CANADA (LB.CA). This can be considered as Overvalued.
Can you provide the profitability details for LAURENTIAN BANK OF CANADA?
LAURENTIAN BANK OF CANADA (LB.CA) has a profitability rating of 2 / 10.
What is the financial health of LAURENTIAN BANK OF CANADA (LB.CA) stock?
The financial health rating of LAURENTIAN BANK OF CANADA (LB.CA) is 0 / 10.
What is the expected EPS growth for LAURENTIAN BANK OF CANADA (LB.CA) stock?
The Earnings per Share (EPS) of LAURENTIAN BANK OF CANADA (LB.CA) is expected to grow by 4.07% in the next year.