The earnings call presents a mix of positive strategic advancements in commercial growth and customer satisfaction, alongside challenges in revenue and profitability. While the bank is making progress in its strategic areas, it faces headwinds in revenue generation and efficiency.

Company Guidance

During the fiscal year 2025's second-quarter financial call, Laurentian Bank provided several key performance metrics and guidance. The bank noted a 1% growth in commercial loans compared to the previous quarter, with commercial assets now comprising 49% of the total portfolio. The net interest margin remained stable at 1.85% quarter-over-quarter. Inventory financing saw a slight increase in utilization to 46%, while dealer onboarding grew by 2% quarter-over-quarter. The commercial real estate unfunded pipeline grew by 9% quarter-over-quarter and 28% year-over-year, indicating potential future growth. The bank's adjusted efficiency ratio was reported at 75.2% for the quarter, with expectations of elevated expenses due to ongoing technology investments. Total revenue for the quarter was $242.5 million, a 4% decrease year-over-year, while the adjusted diluted EPS was $0.73, down 19% year-over-year. Laurentian Bank's CET1 ratio increased to 11%, and the provision for credit losses was reported at $16.7 million. The bank anticipates a decrease in its loan book due to seasonal reductions in inventory financing, with revenues projected to be slightly up in the next quarter.

Stable Commercial Loan Growth

Commercial loans grew by 1% compared to the previous quarter, with commercial assets now making up 49% of the total. This reflects the bank's strategic focus on growing commercial assets.

Strong Commercial Real Estate Pipeline

The commercial real estate unfunded pipeline grew by 9% quarter-over-quarter and 28% year-over-year, indicating strong future potential despite current market conditions.

High Customer Satisfaction

The commercial banking net promoter score remained in the excellent category, reflecting strong customer satisfaction and value-added solutions.

CET1 Ratio Improvement

The CET1 ratio increased by 10 basis points to 11% sequentially, maintaining a strong capital position.

Disciplined Risk Management

The provision for credit losses decreased by $1.2 million year-over-year, and the bank remains well-positioned to manage current uncertainties with a coverage ratio 15% higher than the industry average.

Laurentian Bank (LRCDF) 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 >

LRCDF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Dec 05, 2025	2025 (Q4)	0.58 / -	0.647	―	―	―
Aug 29, 2025	2025 (Q3)	0.53 / 0.57	0.64	-11.36% (-0.07)
May 30, 2025	2025 (Q2)	0.51 / 0.53	0.654	-18.89% (-0.12)	―
Feb 28, 2025	2025 (Q1)	0.57 / 0.57	0.662	-14.29% (-0.09)	―
Dec 06, 2024	2024 (Q4)	0.63 / 0.65	0.727	-11.00% (-0.08)
Aug 30, 2024	2024 (Q3)	0.63 / 0.64	0.887	-27.87% (-0.25)
May 30, 2024	2024 (Q2)	0.64 / 0.65	0.844	-22.41% (-0.19)
Feb 29, 2024	2024 (Q1)	0.69 / 0.66	0.836	-20.87% (-0.17)
Dec 07, 2023	2023 (Q4)	0.84 / 0.73	0.953	-23.66% (-0.23)
Aug 31, 2023	2023 (Q3)	0.84 / 0.89	0.902	-1.61% (-0.01)

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

LRCDF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 30, 2025	$20.56	$22.23	+8.12%
Feb 28, 2025	$18.60	$17.94	-3.55%
Dec 06, 2024	$19.71	$20.58	+4.41%
Aug 30, 2024	$18.75	$17.94	-4.32%

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 (LRCDF) report earnings?

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

What is Laurentian Bank (LRCDF) earnings time?

Laurentian Bank (LRCDF) 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 LRCDF EPS forecast?

LRCDF EPS forecast for the fiscal quarter 2025 (Q4) is 0.58.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing