LAURENTIAN BANK OF CANADA (LB.CA) Stock Fundamental Analysis
Canada - TSX:LB - CA51925D1069 - Common Stock
32.72 CAD
-0.04 (-0.12%)
We assign a fundamental rating of 2 out of 10 to LB. LB was compared to 25 industry peers in the Banks industry. LB may be in some trouble as it scores bad on both profitability and health. LB has a valuation in line with the averages, but it does not seem to be growing.
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 96.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 4.73%, LB is doing worse than 96.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 4.73% | ||
| 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 Profit Margin of 13.64%. This is amonst the worse of the industry: LB underperforms 96.00% of its industry peers.
The Operating Margin and Gross Margin are not available for LB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.64% | ||
| 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.
LB has more shares outstanding than it did 1 year ago.
LB has more shares outstanding than it did 5 years ago.
LB has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of LB is 32.34, which is on the high side as it means it would take LB, 32.34 years of fcf income to pay off all of its debts.
LB's Debt to FCF ratio of 32.34 is on the low side compared to the rest of the industry. LB is outperformed by 84.00% 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.
Looking at the Debt to Equity ratio, with a value of 6.50, LB is doing worse than 96.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.5 | ||
| Debt/FCF | 32.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.35%
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%.
Measured over the past years, LB shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.42% on average per year.
LB shows a decrease in Revenue. In the last year, the revenue decreased by -2.48%.
Measured over the past years, LB shows a small growth in Revenue. The Revenue has been growing by 1.01% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.29 indicates a reasonable valuation of LB.
LB's Price/Earnings ratio is a bit more expensive when compared to the industry. LB is more expensive than 68.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.51, LB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.53, the valuation of LB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LB indicates a slightly more expensive valuation: LB is more expensive than 72.00% of the companies listed in the same industry.
LB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 9.53 |
4.2 Price Multiples
76.00% of the companies in the same industry are more expensive than LB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.23 | ||
| 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 5.66%, which is a nice return.
LB's Dividend Yield is a higher than the industry average which is at 4.43.
LB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.66% |
5.2 History
The dividend of LB decreases each year by -4.14%.
LB has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of LB decreased recently.
Dividend Growth(5Y)-4.14%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
63.81% of the earnings are spent on dividend by LB. This is not a sustainable payout ratio.
DP63.81%
EPS Next 2Y-2.08%
EPS Next 3Y0.78%
TSX:LB (11/18/2025, 7:00:00 PM)
32.72
-0.04 (-0.12%)
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 Cap1.46B
Revenue(TTM)989.73M
Net Income(TTM)134.96M
Analysts43.75
Price Target30.6 (-6.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.66% |
Yearly Dividend1.95
Dividend Growth(5Y)-4.14%
DP63.81%
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)0.37%
PT rev (3m)2.39%
EPS NQ rev (1m)0%
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)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 9.53 | ||
| P/S | 1.47 | ||
| P/FCF | 2.23 | ||
| P/OCF | 2.1 | ||
| P/B | 0.51 | ||
| P/tB | 0.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.18
EY9.72%
EPS(NY)3.43
Fwd EY10.49%
FCF(TTM)14.7
FCFY44.92%
OCF(TTM)15.59
OCFY47.63%
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 | 4.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.64% | ||
| GM | N/A | ||
| FCFM | 66.17% |
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 | 32.34 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 88.65% | ||
| Cap/Sales | 3.99% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 485.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.35%
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 1Y307.56%
FCF growth 3Y19.88%
FCF growth 5YN/A
OCF growth 1Y218.49%
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 63.81%.