Laurentian Bank of Canada Logo

Laurentian Bank of Canada

LB.TO

(2.5)
Stock Price

27,95 CAD

0.37% ROA

5.9% ROE

6.39x PER

Market Cap.

1.156.753.910,00 CAD

532.75% DER

5.25% Yield

11.59% NPM

Laurentian Bank of Canada Stock Analysis

Laurentian Bank of Canada Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Laurentian Bank of Canada Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.41x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

The stock's ROE falls within an average range (7.32%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.41%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (220), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The stock is burdened with a heavy load of debt (528%), making it financially unstable and potentially risky for investors.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Laurentian Bank of Canada Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Laurentian Bank of Canada Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Laurentian Bank of Canada Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Laurentian Bank of Canada Revenue
Year Revenue Growth
1996 461.000.000
1997 492.600.000 6.41%
1998 471.600.000 -4.45%
1999 461.900.000 -2.1%
2000 515.673.000 10.43%
2001 665.799.000 22.55%
2002 711.419.000 6.41%
2003 683.946.000 -4.02%
2004 513.957.000 -33.07%
2005 542.062.000 5.18%
2006 530.675.000 -2.15%
2007 583.989.000 9.13%
2008 630.481.000 7.37%
2009 666.502.000 5.4%
2010 737.446.000 9.62%
2011 729.115.000 -1.14%
2012 770.830.000 5.41%
2013 840.903.000 8.33%
2014 849.922.000 1.06%
2015 872.768.000 2.62%
2016 888.850.000 1.81%
2017 966.118.000 8%
2018 1.004.092.000 3.78%
2019 928.431.000 -8.15%
2020 933.760.000 0.57%
2021 1.002.457.000 6.85%
2022 1.034.235.000 3.07%
2023 989.780.000 -4.49%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Laurentian Bank of Canada Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Laurentian Bank of Canada General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 158.000.000
1997 167.700.000 5.78%
1998 154.400.000 -8.61%
1999 162.900.000 5.22%
2000 177.147.000 8.04%
2001 212.878.000 16.78%
2002 198.694.000 -7.14%
2003 204.944.000 3.05%
2004 182.929.000 -12.03%
2005 192.163.000 4.81%
2006 205.711.000 6.59%
2007 229.290.000 10.28%
2008 236.280.000 2.96%
2009 249.658.000 5.36%
2010 275.964.000 9.53%
2011 297.378.000 7.2%
2012 323.711.000 8.13%
2013 353.705.000 8.48%
2014 336.211.000 -5.2%
2015 349.062.000 3.68%
2016 337.039.000 -3.57%
2017 363.398.000 7.25%
2018 366.022.000 0.72%
2019 357.396.000 -2.41%
2020 370.535.000 3.55%
2021 370.400.000 -0.04%
2022 386.157.000 4.08%
2023 353.144.000 -9.35%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Laurentian Bank of Canada EBITDA
Year EBITDA Growth
1996 753.300.000
1997 624.000.000 -20.72%
1998 619.100.000 -0.79%
1999 655.700.000 5.58%
2000 780.369.000 15.98%
2001 907.199.000 13.98%
2002 736.498.000 -23.18%
2003 789.121.000 6.67%
2004 581.211.000 -35.77%
2005 543.985.000 -6.84%
2006 600.930.000 9.48%
2007 668.245.000 10.07%
2008 721.196.000 7.34%
2009 691.892.000 -4.24%
2010 653.218.000 -5.92%
2011 663.019.000 1.48%
2012 850.548.000 22.05%
2013 834.271.000 -1.95%
2014 820.960.000 -1.62%
2015 752.260.000 -9.13%
2016 813.167.000 7.49%
2017 920.628.000 11.67%
2018 1.107.231.000 16.85%
2019 242.759.000 -356.1%
2020 185.932.000 -30.56%
2021 134.112.000 -38.64%
2022 1.069.202.000 87.46%
2023 200.800.000 -432.47%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Laurentian Bank of Canada Gross Profit
Year Gross Profit Growth
1996 461.000.000
1997 492.600.000 6.41%
1998 471.600.000 -4.45%
1999 461.900.000 -2.1%
2000 515.673.000 10.43%
2001 665.799.000 22.55%
2002 711.419.000 6.41%
2003 683.946.000 -4.02%
2004 513.957.000 -33.07%
2005 542.062.000 5.18%
2006 530.675.000 -2.15%
2007 583.989.000 9.13%
2008 630.481.000 7.37%
2009 666.502.000 5.4%
2010 737.446.000 9.62%
2011 729.115.000 -1.14%
2012 770.830.000 5.41%
2013 840.903.000 8.33%
2014 849.922.000 1.06%
2015 872.768.000 2.62%
2016 888.850.000 1.81%
2017 966.118.000 8%
2018 1.004.092.000 3.78%
2019 928.431.000 -8.15%
2020 933.760.000 0.57%
2021 1.002.457.000 6.85%
2022 1.034.235.000 3.07%
2023 989.780.000 -4.49%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Laurentian Bank of Canada Net Profit
Year Net Profit Growth
1996 54.200.000
1997 60.000.000 9.67%
1998 68.300.000 12.15%
1999 55.700.000 -22.62%
2000 81.660.000 31.79%
2001 90.705.000 9.97%
2002 44.344.000 -104.55%
2003 91.867.000 51.73%
2004 47.771.000 -92.31%
2005 65.282.000 26.82%
2006 70.332.000 7.18%
2007 94.545.000 25.61%
2008 102.531.000 7.79%
2009 113.133.000 9.37%
2010 122.941.000 7.98%
2011 127.489.000 3.57%
2012 140.508.000 9.27%
2013 124.680.000 -12.69%
2014 140.365.000 11.17%
2015 102.470.000 -36.98%
2016 151.910.000 32.55%
2017 206.461.000 26.42%
2018 224.646.000 8.09%
2019 172.710.000 -30.07%
2020 114.085.000 -51.39%
2021 57.069.000 -99.91%
2022 226.583.000 74.81%
2023 122.492.000 -84.98%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Laurentian Bank of Canada Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 2
1997 3 0%
1998 3 0%
1999 2 0%
2000 3 33.33%
2001 3 0%
2002 1 -200%
2003 3 66.67%
2004 1 -200%
2005 2 0%
2006 2 50%
2007 3 33.33%
2008 4 0%
2009 4 25%
2010 5 0%
2011 5 0%
2012 5 0%
2013 4 -33.33%
2014 5 25%
2015 3 -33.33%
2016 5 25%
2017 5 20%
2018 5 0%
2019 4 -25%
2020 2 -100%
2021 1 -100%
2022 5 75%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Laurentian Bank of Canada Free Cashflow
Year Free Cashflow Growth
1996 22.500.000
1997 35.100.000 35.9%
1998 130.000.000 73%
1999 -175.300.000 174.16%
2000 351.553.000 149.86%
2001 1.333.000 -26273.07%
2002 -258.546.000 100.52%
2003 122.732.000 310.66%
2004 204.648.000 40.03%
2005 -69.148.000 395.96%
2006 -373.682.000 81.5%
2007 412.862.000 190.51%
2008 97.214.000 -324.69%
2009 -186.280.000 152.19%
2010 279.132.000 166.74%
2011 -578.744.000 148.23%
2012 -636.967.000 9.14%
2013 -1.242.828.000 48.75%
2014 558.378.000 322.58%
2015 -211.510.000 364%
2016 1.402.674.000 115.08%
2017 948.602.000 -47.87%
2018 -558.309.000 269.91%
2019 -338.714.000 -64.83%
2020 657.476.000 151.52%
2021 93.879.000 -600.34%
2022 833.839.000 88.74%
2023 -497.849.000 267.49%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Laurentian Bank of Canada Operating Cashflow
Year Operating Cashflow Growth
1996 76.400.000
1997 74.500.000 -2.55%
1998 164.400.000 54.68%
1999 -144.300.000 213.93%
2000 387.921.000 137.2%
2001 41.106.000 -843.71%
2002 -224.951.000 118.27%
2003 133.961.000 267.92%
2004 222.665.000 39.84%
2005 -39.983.000 656.9%
2006 -330.680.000 87.91%
2007 467.343.000 170.76%
2008 134.873.000 -246.51%
2009 -148.087.000 191.08%
2010 325.697.000 145.47%
2011 -520.518.000 162.57%
2012 -559.646.000 6.99%
2013 -1.146.128.000 51.17%
2014 622.868.000 284.01%
2015 -196.891.000 416.35%
2016 1.446.223.000 113.61%
2017 1.050.520.000 -37.67%
2018 -397.338.000 364.39%
2019 -270.099.000 -47.11%
2020 698.677.000 138.66%
2021 134.683.000 -418.76%
2022 896.888.000 84.98%
2023 -486.469.000 284.37%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Laurentian Bank of Canada Capital Expenditure
Year Capital Expenditure Growth
1996 53.900.000
1997 39.400.000 -36.8%
1998 34.400.000 -14.53%
1999 31.000.000 -10.97%
2000 36.368.000 14.76%
2001 39.773.000 8.56%
2002 33.595.000 -18.39%
2003 11.229.000 -199.18%
2004 18.017.000 37.68%
2005 29.165.000 38.22%
2006 43.002.000 32.18%
2007 54.481.000 21.07%
2008 37.659.000 -44.67%
2009 38.193.000 1.4%
2010 46.565.000 17.98%
2011 58.226.000 20.03%
2012 77.321.000 24.7%
2013 96.700.000 20.04%
2014 64.490.000 -49.95%
2015 14.619.000 -341.14%
2016 43.549.000 66.43%
2017 101.918.000 57.27%
2018 160.971.000 36.69%
2019 68.615.000 -134.6%
2020 41.201.000 -66.54%
2021 40.804.000 -0.97%
2022 63.049.000 35.28%
2023 11.380.000 -454.03%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Laurentian Bank of Canada Equity
Year Equity Growth
1996 531.300.000
1997 561.000.000 5.29%
1998 589.400.000 4.82%
1999 613.400.000 3.91%
2000 662.172.000 7.37%
2001 779.733.000 15.08%
2002 822.370.000 5.18%
2003 873.313.000 5.83%
2004 886.752.000 1.52%
2005 913.240.000 2.9%
2006 946.420.000 3.51%
2007 1.004.681.000 5.8%
2008 1.083.435.000 7.27%
2009 1.171.226.000 7.5%
2010 1.239.415.000 5.5%
2011 1.334.692.000 7.14%
2012 1.541.129.000 13.4%
2013 1.486.993.000 -3.64%
2014 1.544.610.000 3.73%
2015 1.587.027.000 2.67%
2016 1.974.827.000 19.64%
2017 2.330.410.000 15.26%
2018 2.496.202.000 6.64%
2019 2.567.661.000 2.78%
2020 2.611.241.000 1.67%
2021 2.640.870.000 1.12%
2022 2.781.103.000 5.04%
2023 2.858.820.000 2.72%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Laurentian Bank of Canada Assets
Year Assets Growth
1996 12.472.200.000
1997 13.422.100.000 7.08%
1998 13.303.200.000 -0.89%
1999 13.643.800.000 2.5%
2000 14.741.318.000 7.45%
2001 17.695.824.000 16.7%
2002 18.595.616.000 4.84%
2003 16.737.768.000 -11.1%
2004 16.607.476.000 -0.78%
2005 16.506.984.000 -0.61%
2006 17.295.959.000 4.56%
2007 17.786.846.000 2.76%
2008 19.558.552.000 9.06%
2009 22.164.780.000 11.76%
2010 23.800.003.000 6.87%
2011 24.490.451.000 2.82%
2012 34.936.826.000 29.9%
2013 33.925.680.000 -2.98%
2014 34.848.681.000 2.65%
2015 39.659.504.000 12.13%
2016 43.006.340.000 7.78%
2017 46.682.658.000 7.88%
2018 45.894.683.000 -1.72%
2019 44.353.127.000 -3.48%
2020 44.167.660.000 -0.42%
2021 45.077.024.000 2.02%
2022 50.716.758.000 11.12%
2023 49.893.453.000 -1.65%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Laurentian Bank of Canada Liabilities
Year Liabilities Growth
1996 11.940.900.000
1997 12.861.100.000 7.15%
1998 12.713.800.000 -1.16%
1999 13.030.400.000 2.43%
2000 14.079.146.000 7.45%
2001 16.873.408.000 16.56%
2002 17.726.140.000 4.81%
2003 15.822.628.000 -12.03%
2004 15.720.724.000 -0.65%
2005 15.593.744.000 -0.81%
2006 16.349.539.000 4.62%
2007 16.782.165.000 2.58%
2008 18.475.117.000 9.16%
2009 20.993.554.000 12%
2010 22.560.588.000 6.95%
2011 23.155.759.000 2.57%
2012 33.395.697.000 30.66%
2013 32.438.687.000 -2.95%
2014 33.304.071.000 2.6%
2015 38.072.477.000 12.52%
2016 41.031.513.000 7.21%
2017 44.352.248.000 7.49%
2018 43.398.481.000 -2.2%
2019 41.785.466.000 -3.86%
2020 41.556.419.000 -0.55%
2021 42.436.154.000 2.07%
2022 47.935.655.000 11.47%
2023 47.034.633.000 -1.92%

Laurentian Bank of Canada Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
23.61
Net Income per Share
4.17
Price to Earning Ratio
6.39x
Price To Sales Ratio
1.13x
POCF Ratio
-1.98
PFCF Ratio
-1.86
Price to Book Ratio
0.4
EV to Sales
14.58
EV Over EBITDA
15.04
EV to Operating CashFlow
-25.63
EV to FreeCashFlow
-24.03
Earnings Yield
0.16
FreeCashFlow Yield
-0.54
Market Cap
1,16 Bil.
Enterprise Value
14,96 Bil.
Graham Number
78.58
Graham NetNet
-1043.95

Income Statement Metrics

Net Income per Share
4.17
Income Quality
-3.22
ROE
0.06
Return On Assets
0
Return On Capital Employed
0.02
Net Income per EBT
0.86
EBT Per Ebit
0.37
Ebit per Revenue
0.36
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.38
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
1
Operating Profit Margin
0.36
Pretax Profit Margin
0.13
Net Profit Margin
0.12

Dividends

Dividend Yield
0.05
Dividend Yield %
5.25
Payout Ratio
0.44
Dividend Per Share
1.4

Operating Metrics

Operating Cashflow per Share
-13.44
Free CashFlow per Share
-14.33
Capex to Operating CashFlow
0.07
Capex to Revenue
-0.04
Capex to Depreciation
-0.65
Return on Invested Capital
0.04
Return on Tangible Assets
0
Days Sales Outstanding
100.87
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
3.62
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.89

Balance Sheet

Cash per Share
34,14
Book Value per Share
65,82
Tangible Book Value per Share
57.36
Shareholders Equity per Share
65.82
Interest Debt per Share
385.84
Debt to Equity
5.33
Debt to Assets
0.31
Net Debt to EBITDA
13.88
Current Ratio
1.63
Tangible Asset Value
2,49 Bil.
Net Current Asset Value
-45,27 Bil.
Invested Capital
5.33
Working Capital
0,68 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,14 Bil.
Average Payables
0,54 Bil.
Average Inventory
0
Debt to Market Cap
13.17

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Laurentian Bank of Canada Dividends
Year Dividends Growth
1995 1
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 100%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 2 0%
2012 2 0%
2013 2 50%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 3 0%
2019 3 0%
2020 2 -100%
2021 2 0%
2022 2 0%
2023 1 0%

Laurentian Bank of Canada Profile

About Laurentian Bank of Canada

Laurentian Bank of Canada, together with its subsidiaries, provides various financial services to personal, business, and institutional customers in Canada and the United States. It operates through three segments: Personal Banking, Commercial Banking, and Capital Markets. The company offers notice, demand, and term deposits; commercial, residential mortgage, and personal loans; real estate, and equipment and inventory financing; and credit life and disability insurance products. It also provides investment securities services; research, market analysis, and advisory services; corporate underwriting services for debt and equity; and administrative, foreign exchange, and trustee services. The company sells its products through the bank's financial clinics, advisors, broker channels, and digital platforms. Laurentian Bank of Canada was founded in 1846 and is headquartered in Montréal, Canada.

CEO
Mr. Eric Provost
Employee
3.000
Address
1360 RenE-LEvesque Boulevard West
Montreal, H3G 0E5

Laurentian Bank of Canada Executives & BODs

Laurentian Bank of Canada Executives & BODs
# Name Age
1 Mr. Kelsey Gunderson B.Sc., M.B.A.
Executive Vice President of Capital Markets
70
2 Mr. Sebastien Belair
Executive Vice President & Chief Operating Officer
70
3 Mr. William James Alexander Mason
Executive Vice President & Chief Risk Officer
70
4 Mr. Eric Provost
President, Chief Executive Officer & Director
70

Laurentian Bank of Canada Competitors