LAKELAND BANCORP INC (LBAI) Stock Fundamental Analysis
USA - NASDAQ:LBAI - US5116371007 - Common Stock
13.43 USD
+0.15 (+1.13%)
13.43 USD
0 (0%)
Taking everything into account, LBAI scores 3 out of 10 in our fundamental rating. LBAI was compared to 390 industry peers in the Banks industry. LBAI has a bad profitability rating. Also its financial health evaluation is rather negative. LBAI is valued correctly, but it does not seem to be growing. LBAI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year LBAI was profitable.
In the past year LBAI had a positive cash flow from operations.
In the past 5 years LBAI has always been profitable.
LBAI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.76%, LBAI perfoms like the industry average, outperforming 45.99% of the companies in the same industry.
LBAI has a Return On Equity of 7.11%. This is in the lower half of the industry: LBAI underperforms 65.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 7.11% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.93%
ROE(3y)9.36%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 28.70%, LBAI is doing good in the industry, outperforming 75.43% of the companies in the same industry.
In the last couple of years the Profit Margin of LBAI has declined.
The Operating Margin and Gross Margin are not available for LBAI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.7% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.04%
PM growth 5Y-3.13%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LBAI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, LBAI has about the same amount of shares outstanding.
The number of shares outstanding for LBAI has been increased compared to 5 years ago.
LBAI has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of LBAI is 8.02, which is on the high side as it means it would take LBAI, 8.02 years of fcf income to pay off all of its debts.
LBAI has a Debt to FCF ratio of 8.02. This is in the lower half of the industry: LBAI underperforms 75.43% of its industry peers.
A Debt/Equity ratio of 0.68 indicates that LBAI is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.68, LBAI is doing worse than 77.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 8.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
LBAI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.26%.
The Earnings Per Share has been decreasing by -1.06% on average over the past years.
Looking at the last year, LBAI shows a very negative growth in Revenue. The Revenue has decreased by -15.46% in the last year.
Measured over the past years, LBAI shows a quite strong growth in Revenue. The Revenue has been growing by 9.39% on average per year.
EPS 1Y (TTM)-24.26%
EPS 3Y4.55%
EPS 5Y-1.06%
EPS Q2Q%0%
Revenue 1Y (TTM)-15.46%
Revenue growth 3Y9.33%
Revenue growth 5Y9.39%
Sales Q2Q%-17.32%
3.2 Future
Based on estimates for the next years, LBAI will show a small growth in Earnings Per Share. The EPS will grow by 5.66% on average per year.
The Revenue is expected to grow by 2.41% on average over the next years.
EPS Next Y-8.84%
EPS Next 2Y5.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.29%
Revenue Next 2Y2.41%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
LBAI is valuated reasonably with a Price/Earnings ratio of 10.49.
Compared to the rest of the industry, the Price/Earnings ratio of LBAI is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 25.83. LBAI is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.40, the valuation of LBAI can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LBAI is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of LBAI to the average of the S&P500 Index (32.68), we can say LBAI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.4 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of LBAI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LBAI has a Yearly Dividend Yield of 4.32%, which is a nice return.
Compared to an average industry Dividend Yield of 3.38, LBAI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.37, LBAI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.32% |
5.2 History
The dividend of LBAI has a limited annual growth rate of 5.26%.
LBAI has paid a dividend for at least 10 years, which is a reliable track record.
LBAI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.26%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
45.41% of the earnings are spent on dividend by LBAI. This is a bit on the high side, but may be sustainable.
The dividend of LBAI is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP45.41%
EPS Next 2Y5.66%
EPS Next 3YN/A
13.43
+0.15 (+1.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners12.01%
Inst Owner Change0%
Ins Owners3.05%
Ins Owner Change0%
Market Cap874.96M
Revenue(TTM)292.29M
Net Income(TTM)83.88M
Analysts45.71
Price Target14.36 (6.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.32% |
Yearly Dividend0.59
Dividend Growth(5Y)5.26%
DP45.41%
Div Incr Years13
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.28%
Min EPS beat(2)-6.78%
Max EPS beat(2)9.34%
EPS beat(4)1
Avg EPS beat(4)-3.79%
Min EPS beat(4)-14.75%
Max EPS beat(4)9.34%
EPS beat(8)3
Avg EPS beat(8)-7.57%
EPS beat(12)6
Avg EPS beat(12)-4.3%
EPS beat(16)9
Avg EPS beat(16)-1.32%
Revenue beat(2)0
Avg Revenue beat(2)-5.21%
Min Revenue beat(2)-5.45%
Max Revenue beat(2)-4.96%
Revenue beat(4)0
Avg Revenue beat(4)-5.27%
Min Revenue beat(4)-5.8%
Max Revenue beat(4)-4.85%
Revenue beat(8)1
Avg Revenue beat(8)-4.09%
Revenue beat(12)1
Avg Revenue beat(12)-3.79%
Revenue beat(16)2
Avg Revenue beat(16)-3.3%
PT rev (1m)-8.16%
PT rev (3m)-8.16%
EPS NQ rev (1m)-1.89%
EPS NQ rev (3m)-1.89%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.3%
Revenue NQ rev (1m)-2.5%
Revenue NQ rev (3m)-2.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.4 | ||
| P/S | 2.99 | ||
| P/FCF | 8.79 | ||
| P/OCF | 8.46 | ||
| P/B | 0.74 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.28
EY9.53%
EPS(NY)1.43
Fwd EY10.64%
FCF(TTM)1.53
FCFY11.37%
OCF(TTM)1.59
OCFY11.82%
SpS4.49
BVpS18.1
TBVpS13.83
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 7.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.7% | ||
| GM | N/A | ||
| FCFM | 34.05% |
ROA(3y)0.96%
ROA(5y)0.93%
ROE(3y)9.36%
ROE(5y)9.04%
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 3Y4.04%
PM growth 5Y-3.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 8.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.31% | ||
| Cap/Sales | 1.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 118.65% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.07%
ROIC/WACCN/A
Cap/Depr(3y)79.32%
Cap/Depr(5y)120.35%
Cap/Sales(3y)1.81%
Cap/Sales(5y)2.26%
Profit Quality(3y)113.11%
Profit Quality(5y)118.23%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.26%
EPS 3Y4.55%
EPS 5Y-1.06%
EPS Q2Q%0%
EPS Next Y-8.84%
EPS Next 2Y5.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.46%
Revenue growth 3Y9.33%
Revenue growth 5Y9.39%
Sales Q2Q%-17.32%
Revenue Next Year-7.29%
Revenue Next 2Y2.41%
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 1Y10.21%
FCF growth 3Y12.56%
FCF growth 5Y8.39%
OCF growth 1Y9.55%
OCF growth 3Y10.79%
OCF growth 5Y7.8%
LAKELAND BANCORP INC / LBAI FAQ
What is the ChartMill fundamental rating of LAKELAND BANCORP INC (LBAI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to LBAI.
What is the valuation status of LAKELAND BANCORP INC (LBAI) stock?
ChartMill assigns a valuation rating of 4 / 10 to LAKELAND BANCORP INC (LBAI). This can be considered as Fairly Valued.
What is the profitability of LBAI stock?
LAKELAND BANCORP INC (LBAI) has a profitability rating of 3 / 10.
What is the financial health of LAKELAND BANCORP INC (LBAI) stock?
The financial health rating of LAKELAND BANCORP INC (LBAI) is 1 / 10.
What is the expected EPS growth for LAKELAND BANCORP INC (LBAI) stock?
The Earnings per Share (EPS) of LAKELAND BANCORP INC (LBAI) is expected to decline by -8.84% in the next year.