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Laurentian Bank (TSE:LB)
TSX:LB
Earnings Data
Report Date
Aug 29, 2025TBA Not Confirmed
Period Ending
2025 (Q3)Consensus EPS Forecast
0.73Last Year’s EPS
0.88Same Quarter Last Year
Moderate Sell
Based on 9 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 30, 2025
|% Change Since: 4.09%
|Next Earnings Date:Aug 29, 2025
Earnings Call Sentiment|Neutral
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
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.
TSE:LB Earnings History
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 |
|---|---|---|---|
May 30, 2025 | C$28.83 | C$30.60 | +6.14% |
Feb 28, 2025 | C$27.27 | C$26.32 | -3.49% |
Dec 06, 2024 | C$28.05 | C$29.55 | +5.34% |
Aug 30, 2024 | C$25.61 | C$24.52 | -4.26% |
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 Aug 29, 2025, TBA Not Confirmed.
What is Laurentian Bank (TSE:LB) earnings time?
Laurentian Bank (TSE:LB) earnings time is at Aug 29, 2025, TBA Not 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 (Q3) is 0.73.