Laurentian Bank (LB) AI Stock Analysis

• Market Cap: $1.17B
• Dividend Yield: 7.32%
• Average Volume (3M): 206.34K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.86
• Revenue Growth: -3.68%
• EPS Growth: -111.41%
• Country: CA
• Employees: 3,000
• Sector: Financial
• Sector Strength: 93
• Industry: Banking
• EPS (TTM): -0.41
• Shares Outstanding: 44,006,916
• 10 Day Avg. Volume: 247,457
• 30 Day Avg. Volume: 206,335
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.23
• Price to Cash Flow (P/CF): -3.00
• P/FCF Ratio: 1.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$27.57
• Price Target Upside: 3.45% Upside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 7

Laurentian Bank's overall score reflects its financial challenges, including declining revenue and negative net income. The stock shows technical weakness with negative trends. While the dividend yield is attractive, it raises sustainability concerns. Positive aspects include strategic loan growth and shareholder engagement efforts, but these are tempered by increased impaired loans and high leverage.

Laurentian Bank Business Overview & Revenue Model

Company Description

Laurentian Bank of Canada engages in the provision of financial services. It operates through the following segments: Retail Services, Business Services, Business-to-Business (B2B) Bank, and Capital Markets. The Retail Services segment offers savings, investment, and financing products. The Business Services segment caters to the financial needs of business clients, small and medium-sized enterprises, and real estate developers such as leasing solutions, investment, cash management, and international services. The B2B Bank segment supplies banking and financial products to independent financial advisors and non-bank financial Institutions. The Capital Markets segment consists of full-service broker and bank's capital market activities. The company was founded by Monsignor Ignace Bourget on May 26, 1846 and is headquartered in Montreal, Canada.

How the Company Makes Money

Laurentian Bank generates revenue through a diversified model primarily based on interest income from loans and advances to customers, which include personal loans, residential mortgages, and commercial loans. Additionally, the bank earns non-interest income from service fees, investment management fees, and trading activities. Significant partnerships with other financial institutions and service providers also contribute to its earnings by enhancing product offerings and expanding market reach. Furthermore, Laurentian Bank leverages its wealth management and advisory services to provide tailored investment solutions, which generate additional fee-based income.

Laurentian Bank Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
1.02B	1.03B	1.03B	1.00B	933.76M
	Gross Profit
1.02B	1.03B	1.03B	1.00B	933.76M
	EBIT
0.00	234.51M	1.02B	72.59M	120.28M
	EBITDA
0.00	0.00	0.00	134.11M	185.93M
	Net Income Common Stockholders
-5.50M	181.09M	226.58M	57.07M	114.08M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.68B	1.48B	2.25B	1.11B	1.14B
	Total Assets
47.40B	49.89B	50.72B	45.08B	44.17B
	Total Debt
15.59B	15.23B	15.04B	14.03B	13.18B
	Net Debt
14.08B	13.82B	12.98B	13.18B	12.31B
	Total Liabilities
44.57B	47.03B	47.94B	42.44B	41.56B
	Stockholders Equity
2.83B	2.86B	2.78B	2.64B	2.61B
Cash Flow		Free Cash Flow
161.76M	-616.62M	833.84M	93.88M	657.48M
	Operating Cash Flow
198.78M	-577.92M	896.89M	134.68M	698.68M
	Investing Cash Flow
-61.45M	665.23M	-759.03M	-29.31M	-599.87M
	Financing Cash Flow
-114.48M	-1.01B	-140.71M	-102.08M	-1.86B

Laurentian Bank Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 26.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:LB, the sentiment is Negative. The current price of 26.65 is below the 20-day moving average (MA) of 27.51, below the 50-day MA of 28.15, and above the 200-day MA of 26.63, indicating a neutral trend. The MACD of -0.35 indicates Positive momentum. The RSI at 31.18 is Neutral, neither overbought nor oversold. The STOCH value of 17.85 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:LB.

Laurentian Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$14.34B	10.61	9.28%	4.07%	18.04%	-9.54%
LB	52 Neutral	$1.17B	―	-0.24%	7.32%	-3.68%	-111.41%

Laurentian Bank Corporate Events

Laurentian Bank Releases Proxy Circular and ESG Report

Laurentian Bank has released its management proxy circular, detailing the agenda for its annual meeting of common shareholders, which includes voting on the Board of Directors, auditor appointments, and executive compensation. Additionally, the bank has published its 2024 ESG report, highlighting progress in reducing greenhouse gas emissions, underscoring its commitment to sustainability and potentially enhancing its industry positioning.

Laurentian Bank Reports Q1 2025 Financial Results

Laurentian Bank of Canada reported a slight increase in net income for the first quarter of 2025, with a net income of $38.6 million compared to $37.3 million in the same period last year. Despite a decrease in adjusted net income and earnings per share compared to the previous year, the bank’s strategic focus on specialized commercial groups and maintaining strong liquidity and capital levels positions it well to navigate current economic uncertainties.

Laurentian Bank Declares Quarterly Dividend and Offers Reinvestment Plan

Laurentian Bank of Canada has announced a regular quarterly dividend of 47 cents per share on its common shares, payable on May 1, 2025. The dividends are eligible for reinvestment under the Bank’s Shareholder Dividend Reinvestment and Share Purchase Plan, allowing shareholders to reinvest dividends in new shares at a 2% discount without brokerage fees. This move underscores Laurentian Bank’s commitment to providing value to its shareholders and enhancing shareholder engagement through flexible investment options.

Laurentian Bank Declares Dividend and Offers Reinvestment Plan

Laurentian Bank of Canada has announced a dividend of $0.38725 on its Series 13 preferred shares, payable on March 17, 2025. These dividends are eligible for reinvestment into common shares under the Bank’s Shareholder Dividend Reinvestment and Share Purchase Plan, offering shareholders the opportunity to purchase additional shares at a 2% discount without brokerage fees, potentially enhancing shareholder value and engagement.

Laurentian Bank Announces Quarterly Dividend

Laurentian Bank of Canada has announced a quarterly dividend of 47 cents per share for its common shareholders, payable on February 1, 2025. Shareholders have the option to reinvest their dividends in newly issued shares under the bank’s Dividend Reinvestment Plan, with a 2% discount and no brokerage fees.

Laurentian Bank Reports 2024 Financial Results

Laurentian Bank of Canada reported a net loss of $5.5 million for the fiscal year 2024, a stark contrast from the $181.1 million net income in 2023, largely due to restructuring and impairment charges. Despite these setbacks, the bank showed progress in the fourth quarter with a net income of $40.7 million, up from $30.6 million in the same period last year, indicating a potential recovery. The bank remains optimistic about future growth, focusing on strategic priorities and maintaining a strong customer-centric approach.