The call highlighted strategic growth in commercial real estate and a strong dealer network expansion, supported by a solid liquidity and capital position. However, there were notable declines in total revenue, net income, and EPS, alongside increased efficiency ratio and gross impaired loans. The sentiment reflects a balanced mix of positive strategic progress and economic challenges.

Company Guidance

During the third quarter of fiscal year 2025, Laurentian Bank reported total revenue of $246.8 million, reflecting a 4% year-over-year decline but a 2% increase quarter-over-quarter. The bank's net interest margin decreased slightly to 1.82%, while the net interest income rose by 3% year-over-year, driven by a higher concentration of commercial loans. The bank maintained a strong CET1 ratio of 11.3%, up by 30 basis points sequentially, indicating robust capital positioning. The provision for credit losses stood at 12 basis points, showing a decrease from previous quarters. Despite the economic volatility, the bank's commercial real estate portfolio grew by 5% during the quarter, and its inventory financing utilization remained aligned with expectations at 41%. The adjusted efficiency ratio was reported at 75.7%, with an expectation of sustained elevated expense levels due to strategic investments in technology. Laurentian Bank remains committed to its strategic priorities, focusing on simplifying operations and enhancing system redundancy while strategically expanding its dealer network by 4% year-to-date, particularly in agriculture and power sports segments.

Commercial Real Estate Growth

Loan volumes in the commercial real estate portfolio increased by 5% during the quarter, reflecting strong market positioning and team expertise.

Stable Liquidity and Capital Position

Maintained a solid position in liquidity and capital, with CET1 ratio increasing by 30 basis points to 11.3% sequentially.

Resilient Dealer Network

Dealer base expanded by 4% year-to-date, driven by agriculture and power sports segments, indicating strong network performance.

Improved Engagement

High employee engagement reflected in recent survey results, indicating a committed workforce aligned with strategic goals.

Laurentian Bank (TSE:LB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

TSE:LB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Dec 05, 2025	2025 (Q4)	0.78 / -	0.89	―	―	―
Aug 29, 2025	2025 (Q3)	0.72 / 0.78	0.88	-11.36% (-0.10)
May 30, 2025	2025 (Q2)	0.70 / 0.73	0.9	-18.89% (-0.17)	―
Feb 28, 2025	2025 (Q1)	0.79 / 0.78	0.91	-14.29% (-0.13)	―
Dec 06, 2024	2024 (Q4)	0.87 / 0.89	1	-11.00% (-0.11)
Aug 30, 2024	2024 (Q3)	0.86 / 0.88	1.22	-27.87% (-0.34)
May 30, 2024	2024 (Q2)	0.88 / 0.90	1.16	-22.41% (-0.26)
Feb 29, 2024	2024 (Q1)	0.95 / 0.91	1.15	-20.87% (-0.24)
Dec 07, 2023	2023 (Q4)	1.16 / 1.00	1.31	-23.66% (-0.31)
Aug 31, 2023	2023 (Q3)	1.16 / 1.22	1.24	-1.61% (-0.02)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

TSE:LB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 29, 2025	C$31.68	C$30.50	-3.72%
May 30, 2025	C$28.39	C$30.14	+6.14%
Feb 28, 2025	C$26.86	C$25.92	-3.50%
Dec 06, 2024	C$27.63	C$29.11	+5.34%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Laurentian Bank (TSE:LB) report earnings?

Laurentian Bank (TSE:LB) is schdueled to report earning on Dec 05, 2025, TBA (Confirmed).

What is Laurentian Bank (TSE:LB) earnings time?

Laurentian Bank (TSE:LB) earnings time is at Dec 05, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is TSE:LB EPS forecast?

TSE:LB EPS forecast for the fiscal quarter 2025 (Q4) is 0.78.

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