13.43 USD
+0.15 (+1.13%)
13.43 USD
0 (0%)
LBAI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of LBAI have multiple concerns. LBAI is valued correctly, but it does not seem to be growing. Finally LBAI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- LBAI had positive earnings in the past year.
- In the past year LBAI had a positive cash flow from operations.
- Each year in the past 5 years LBAI has been profitable.
- 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.
- LBAI 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) | 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.
- The number of shares outstanding for LBAI remains at a similar level compared to 1 year ago.
- The debt/assets ratio for LBAI has been reduced compared to a year ago.
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.
- With a Debt to FCF ratio value of 8.02, LBAI is not doing good in the industry: 75.43% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 0.68 indicates that LBAI is somewhat dependend on debt financing.
- The Debt to Equity ratio of LBAI (0.68) is worse 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.
- Measured over the past years, LBAI shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.06% on average per year.
- 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
- 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.
- LBAI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.41% yearly.
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.
- 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.
- LBAI's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, LBAI is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.40, which indicates a very decent valuation of LBAI.
- The rest of the industry has a similar Price/Forward Earnings ratio as LBAI.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, LBAI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.4 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as LBAI.
| 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.
- Compared to an average industry Dividend Yield of 2.84, LBAI pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, 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 been paying a dividend for at least 10 years, so it has 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
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.
Can you provide the valuation status for LAKELAND BANCORP INC?
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 are the PE and PB ratios of LAKELAND BANCORP INC (LBAI) stock?
The Price/Earnings (PE) ratio for LAKELAND BANCORP INC (LBAI) is 10.49 and the Price/Book (PB) ratio is 0.74.
How financially healthy is LAKELAND BANCORP INC?
The financial health rating of LAKELAND BANCORP INC (LBAI) is 1 / 10.