Laurentian Bank of Canada, together with its subsidiaries, provides various banking services to individuals, small and medium-sized enterprises, and institutional customers in Canada and the United States.
Adequate balance sheet and fair value.
Share Price & News
How has Laurentian Bank of Canada's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: LT7's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: LT7 underperformed the German Banks industry which returned -3.8% over the past year.
Return vs Market: LT7 underperformed the German Market which returned 6.4% over the past year.
Price Volatility Vs. Market
How volatile is Laurentian Bank of Canada's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Laurentian Bank of Canada undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: LT7 (€16.9) is trading above our estimate of fair value (€11.99)
Significantly Below Fair Value: LT7 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: LT7 is good value based on its PE Ratio (9.9x) compared to the DE Banks industry average (20.9x).
PE vs Market: LT7 is good value based on its PE Ratio (9.9x) compared to the German market (21.5x).
Price to Earnings Growth Ratio
PEG Ratio: LT7 is poor value based on its PEG Ratio (3.3x)
Price to Book Ratio
PB vs Industry: LT7 is good value based on its PB Ratio (0.5x) compared to the DE Banks industry average (0.8x).
How is Laurentian Bank of Canada forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LT7's forecast earnings growth (3% per year) is above the savings rate (0.2%).
Earnings vs Market: LT7's earnings (3% per year) are forecast to grow slower than the German market (23.6% per year).
High Growth Earnings: LT7's earnings are forecast to grow, but not significantly.
Revenue vs Market: LT7's revenue (2.3% per year) is forecast to grow slower than the German market (5.9% per year).
High Growth Revenue: LT7's revenue (2.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if LT7's Return on Equity is forecast to be high in 3 years time
How has Laurentian Bank of Canada performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LT7 has high quality earnings.
Growing Profit Margin: LT7's current net profit margins (13.5%) are lower than last year (18.4%).
Past Earnings Growth Analysis
Earnings Trend: LT7's earnings have grown by 8.2% per year over the past 5 years.
Accelerating Growth: LT7's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: LT7 had negative earnings growth (-33.4%) over the past year, making it difficult to compare to the Banks industry average (1.4%).
Return on Equity
High ROE: LT7's Return on Equity (5.1%) is considered low.
How is Laurentian Bank of Canada's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: LT7's Assets to Equity ratio (17.7x) is moderate.
Allowance for Bad Loans: LT7 has a low allowance for bad loans (63%).
Low Risk Liabilities: 59% of LT7's liabilities are made up of primarily low risk sources of funding.
Loan Level: LT7 has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: LT7's Loans to Deposits ratio (131%) is high.
Level of Bad Loans: LT7 has an appropriate level of bad loans (0.7%).
What is Laurentian Bank of Canada current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LT7's dividend (5.88%) is higher than the bottom 25% of dividend payers in the German market (1.25%).
High Dividend: LT7's dividend (5.88%) is in the top 25% of dividend payers in the German market (3.8%)
Stability and Growth of Payments
Stable Dividend: LT7's dividend payments have been volatile in the past 10 years.
Growing Dividend: LT7's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (96.5%), LT7's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Stéphane Therrien has been Executive Vice President of Personal and Commercial Banking at Laurentian Bank of Canada since June 04, 2015 and serves as its Interim President and CEO since June 2020. He s ...
CEO Compensation Analysis
Compensation vs Market: Stéphane's total compensation ($USD1.09M) is about average for companies of similar size in the German market ($USD1.30M).
Compensation vs Earnings: Stéphane's compensation has been consistent with company performance over the past year.
|EVP of Personal & Commercial Banking||0.17yr||CA$1.46m||0.0091% |
|Executive VP of Finance||5yrs||CA$1.35m||0.0062% |
|Executive VP||2.17yrs||CA$1.45m||0.0045% |
|Executive VP & Chief Risk Officer||2.17yrs||CA$1.34m||0.017% |
|Senior VP & Chief Accountant||no data||no data||0.00095% |
|Director of Investor Relations||no data||no data||no data|
|Senior Legal Counsel & Assistant Secretary||no data||no data||no data|
|Assistant Vice President of Communications||no data||no data||no data|
|SVP of Real Estate Financing and VP of Real Estate Financing - Ontario & Western Canada||no data||no data||no data|
|Chief Accountant & VP of Commercial Credit||no data||no data||no data|
|Senior Vice-President of Business Services||7.83yrs||no data||0.0034% |
|Senior Vice President of Integrated Risk Management||no data||no data||no data|
Experienced Management: LT7's management team is considered experienced (2.2 years average tenure).
|EVP of Personal & Commercial Banking||0.17yr||CA$1.46m||0.0091% |
|Independent Director||7yrs||CA$146.50k||0.0033% |
|Independent Director||4yrs||CA$134.45k||0.0054% |
|Director Emeritus||3.42yrs||CA$63.69k||no data|
|Independent Chairman of the Board||1.33yrs||CA$204.24k||no data|
|Independent Director||1yr||CA$19.45k||no data|
|Independent Director||1yr||CA$19.45k||0.0035% |
|Independent Director||14.42yrs||CA$119.00k||0.0096% |
|Independent Director||5.67yrs||CA$123.25k||0.0029% |
|Independent Director||0.25yr||no data||0.0070% |
|Independent Director||8.42yrs||CA$137.85k||0.015% |
|Independent Director||2.83yrs||CA$119.04k||0.0023% |
Experienced Board: LT7's board of directors are considered experienced (3.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: LT7 insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Laurentian Bank of Canada's company bio, employee growth, exchange listings and data sources
- Name: Laurentian Bank of Canada
- Ticker: LT7
- Exchange: DB
- Founded: 1846
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: CA$1.169b
- Listing Market Cap: CA$741.717m
- Shares outstanding: 42.94m
- Website: https://www.lbcfg.ca
Number of Employees
- Laurentian Bank of Canada
- 1360 René-Lévesque Boulevard West
- Suite 600
- H3G 0E5
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|LB||TSX (The Toronto Stock Exchange)||Yes||Common Shares||CA||CAD||Jul 1983|
|LT7||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||Jul 1983|
|LRCD.F||OTCPK (Pink Sheets LLC)||Yes||Common Shares||US||USD||Jul 1983|
|LB.PRJ||TSX (The Toronto Stock Exchange)||PFD SHS SER 15||CA||CAD||Mar 2016|
Laurentian Bank of Canada, together with its subsidiaries, provides various banking services to individuals, small and medium-sized enterprises, and institutional customers in Canada and the United States. ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/07 22:33|
|End of Day Share Price||2020/08/07 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.