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%)
We assign a fundamental rating of 3 out of 10 to LBAI. LBAI was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of LBAI have multiple concerns. LBAI has a valuation in line with the averages, 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.
LBAI had a positive operating cash flow in the past year.
LBAI had positive earnings in each of the past 5 years.
Each year in the past 5 years LBAI had a positive operating cash flow.
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
The Profit Margin of LBAI (28.70%) is better than 75.43% of its industry peers.
LBAI's Profit Margin has declined in the last couple of years.
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.
LBAI has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, LBAI has more shares outstanding
Compared to 1 year ago, LBAI has an improved debt to assets ratio.
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 worse Debt to FCF ratio (8.02) than 75.43% of its industry peers.
A Debt/Equity ratio of 0.68 indicates that LBAI is somewhat dependend on debt financing.
LBAI has a worse Debt to Equity ratio (0.68) than 77.62% of its industry peers.
| 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
The earnings per share for LBAI have decreased strongly by -24.26% in the last year.
LBAI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.06% yearly.
LBAI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.46%.
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
The Earnings Per Share is expected to grow by 5.66% on average over the next years.
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
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.49, the valuation of LBAI can be described as very reasonable.
LBAI's Price/Earnings ratio is in line with the industry average.
LBAI is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.40, the valuation of LBAI can be described as very reasonable.
LBAI's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of LBAI to the average of the S&P500 Index (34.59), we can say LBAI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.4 |
4.2 Price Multiples
LBAI's Price/Free Cash Flow ratio is in line with the industry average.
| 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
With a Yearly Dividend Yield of 4.32%, LBAI is a good candidate for dividend investing.
LBAI's Dividend Yield is a higher than the industry average which is at 3.38.
Compared to an average S&P500 Dividend Yield of 2.36, 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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.26%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
LBAI pays out 45.41% of its income as dividend. 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.