While the company reported strong capital and liquidity positions, strategic growth in commercial loans, and momentum in inventory financing and real estate pipelines, it faced challenges with declining revenue, net income, and higher expenses impacting the efficiency ratio. The sentiment reflects a balance of positive strategic initiatives and negative financial performance trends.

Company Guidance -

Q3 2025

During the Laurentian Bank's quarterly financial results call for the second quarter of fiscal year 2025, several key metrics were highlighted. The bank reported a total revenue of $242.5 million, marking a 4% year-over-year decrease. The net income was $32.3 million with a diluted EPS of $0.69, while adjusted figures showed a net income of $34 million and an EPS of $0.73. The bank's efficiency ratio was noted at 75.2%, with expectations of maintaining this elevated expense level due to ongoing strategic investments. Commercial loans grew by 1% compared to the previous quarter, comprising 49% of the total assets, while net interest margin remained stable at 1.85%. The inventory financing utilization rate slightly increased to 46%, and the commercial real estate unfunded pipeline grew significantly by 9% quarter-over-quarter and 28% year-over-year. Despite a challenging environment, Laurentian Bank maintained a strong liquidity coverage ratio and a CET1 capital ratio of 11%, reflecting solid financial positioning.

Commercial Loan Growth

Commercial loans grew by 1% compared to the previous quarter, reflecting a strategic focus on growing commercial assets, which now make up 49% of the total.

Strong Liquidity and Capital Position

CET1 ratio increased by 10 basis points to 11% sequentially, indicating a solid capital position for potential growth.

Inventory Financing Expansion

Dealer onboarding in inventory financing grew by 2% compared to last quarter, with a total of 6,500 dealers, representing a 6% growth year-over-year.

Commercial Real Estate Pipeline Momentum

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

Stable Net Interest Margin

The net interest margin remained stable at 1.85% quarter-over-quarter, with a 5 basis point increase year-over-year.

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
Aug 29, 2025	2025 (Q3)	0.53 / -	0.64	―	―	―
May 30, 2025	2025 (Q2)	0.51 / 0.53	0.655	-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	0.888	-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	0.837	-20.87% (-0.17)
Dec 07, 2023	2023 (Q4)	0.84 / 0.73	0.953	-23.66% (-0.23)
Aug 31, 2023	2023 (Q3)	0.85 / 0.89	0.902	-1.61% (-0.01)
Jun 01, 2023	2023 (Q2)	0.81 / 0.84	1.011	-16.55% (-0.17)

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 Aug 29, 2025, TBA (Confirmed).

What is Laurentian Bank (LRCDF) earnings time?

Laurentian Bank (LRCDF) earnings time is at Aug 29, 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 (Q3) is 0.53.

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