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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.51
LBAI's Cash to Debt is ranked lower than
68% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. LBAI: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
LBAI' s 10-Year Cash to Debt Range
Min: 0.13   Max: 37.86
Current: 0.51

0.13
37.86
Equity to Asset 0.11
LBAI's Equity to Asset is ranked higher than
60% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LBAI: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
LBAI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.11

0.07
0.11
Interest Coverage 5.18
LBAI's Interest Coverage is ranked higher than
81% of the 1198 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. LBAI: 5.18 )
Ranked among companies with meaningful Interest Coverage only.
LBAI' s 10-Year Interest Coverage Range
Min: 0.4   Max: 5.18
Current: 5.18

0.4
5.18
F-Score: 4
Z-Score: 0.17
WACC vs ROIC
7.33%
6.97%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 36.15
LBAI's Operating margin (%) is ranked higher than
67% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. LBAI: 36.15 )
Ranked among companies with meaningful Operating margin (%) only.
LBAI' s 10-Year Operating margin (%) Range
Min: -291.98   Max: 35.26
Current: 36.15

-291.98
35.26
Net-margin (%) 24.35
LBAI's Net-margin (%) is ranked higher than
61% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. LBAI: 24.35 )
Ranked among companies with meaningful Net-margin (%) only.
LBAI' s 10-Year Net-margin (%) Range
Min: -4.81   Max: 182.84
Current: 24.35

-4.81
182.84
ROE (%) 8.65
LBAI's ROE (%) is ranked higher than
53% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. LBAI: 8.65 )
Ranked among companies with meaningful ROE (%) only.
LBAI' s 10-Year ROE (%) Range
Min: -2.21   Max: 14.98
Current: 8.65

-2.21
14.98
ROA (%) 0.92
LBAI's ROA (%) is ranked higher than
59% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. LBAI: 0.92 )
Ranked among companies with meaningful ROA (%) only.
LBAI' s 10-Year ROA (%) Range
Min: -0.2   Max: 1.31
Current: 0.92

-0.2
1.31
ROC (Joel Greenblatt) (%) 132.97
LBAI's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. LBAI: 132.97 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
LBAI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -149.81   Max: 127.12
Current: 132.97

-149.81
127.12
Revenue Growth (3Y)(%) -5.60
LBAI's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. LBAI: -5.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LBAI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 101.3
Current: -5.6

0
101.3
EBITDA Growth (3Y)(%) 5.30
LBAI's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. LBAI: 5.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LBAI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 22.5
Current: 5.3

0
22.5
EPS Growth (3Y)(%) 9.20
LBAI's EPS Growth (3Y)(%) is ranked higher than
51% of the 1001 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. LBAI: 9.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LBAI' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.3   Max: 23.5
Current: 9.2

-17.3
23.5
» LBAI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

LBAI Guru Trades in Q2 2014

Jim Simons 82,519 sh (+73.55%)
» More
Q3 2014

LBAI Guru Trades in Q3 2014

Jim Simons 99,001 sh (+19.97%)
» More
Q4 2014

LBAI Guru Trades in Q4 2014

Jim Simons 27,900 sh (-71.82%)
» More
Q1 2015

LBAI Guru Trades in Q1 2015

Jim Simons 58,902 sh (+111.12%)
» More
» Details

Insider Trades

Latest Guru Trades with LBAI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.50
LBAI's P/E(ttm) is ranked higher than
55% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. LBAI: 13.50 )
Ranked among companies with meaningful P/E(ttm) only.
LBAI' s 10-Year P/E(ttm) Range
Min: 10.23   Max: 22.99
Current: 13.5

10.23
22.99
Forward P/E 11.53
LBAI's Forward P/E is ranked higher than
55% of the 1302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.03 vs. LBAI: 11.53 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.60
LBAI's PE(NRI) is ranked higher than
54% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. LBAI: 13.60 )
Ranked among companies with meaningful PE(NRI) only.
LBAI' s 10-Year PE(NRI) Range
Min: 10.21   Max: 23.06
Current: 13.6

10.21
23.06
P/B 1.10
LBAI's P/B is ranked higher than
53% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. LBAI: 1.10 )
Ranked among companies with meaningful P/B only.
LBAI' s 10-Year P/B Range
Min: 0.63   Max: 2.41
Current: 1.1

0.63
2.41
P/S 3.27
LBAI's P/S is ranked lower than
57% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. LBAI: 3.27 )
Ranked among companies with meaningful P/S only.
LBAI' s 10-Year P/S Range
Min: 1.23   Max: 16.02
Current: 3.27

1.23
16.02
PFCF 36.80
LBAI's PFCF is ranked lower than
90% of the 1098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. LBAI: 36.80 )
Ranked among companies with meaningful PFCF only.
LBAI' s 10-Year PFCF Range
Min: 3.15   Max: 39.13
Current: 36.8

3.15
39.13
POCF 10.20
LBAI's POCF is ranked lower than
55% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.34 vs. LBAI: 10.20 )
Ranked among companies with meaningful POCF only.
LBAI' s 10-Year POCF Range
Min: 2.99   Max: 830.1
Current: 10.2

2.99
830.1
EV-to-EBIT 12.00
LBAI's EV-to-EBIT is ranked higher than
63% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. LBAI: 12.00 )
Ranked among companies with meaningful EV-to-EBIT only.
LBAI' s 10-Year EV-to-EBIT Range
Min: -42.4   Max: 68.4
Current: 12

-42.4
68.4
Shiller P/E 21.10
LBAI's Shiller P/E is ranked lower than
67% of the 1018 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.02 vs. LBAI: 21.10 )
Ranked among companies with meaningful Shiller P/E only.
LBAI' s 10-Year Shiller P/E Range
Min: 7.53   Max: 25.02
Current: 21.1

7.53
25.02
Days Sales Outstanding 24.38
LBAI's Days Sales Outstanding is ranked higher than
72% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. LBAI: 24.38 )
Ranked among companies with meaningful Days Sales Outstanding only.
LBAI' s 10-Year Days Sales Outstanding Range
Min: 24.38   Max: 459.68
Current: 24.38

24.38
459.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.71
LBAI's Dividend Yield is ranked higher than
52% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. LBAI: 2.71 )
Ranked among companies with meaningful Dividend Yield only.
LBAI' s 10-Year Dividend Yield Range
Min: 1.81   Max: 6.53
Current: 2.71

1.81
6.53
Dividend Payout 0.35
LBAI's Dividend Payout is ranked lower than
54% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. LBAI: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
LBAI' s 10-Year Dividend Payout Range
Min: 0.3   Max: 2.69
Current: 0.35

0.3
2.69
Dividend growth (3y) 10.40
LBAI's Dividend growth (3y) is ranked higher than
60% of the 623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. LBAI: 10.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
LBAI' s 10-Year Dividend growth (3y) Range
Min: -18.4   Max: 25.8
Current: 10.4

-18.4
25.8
Yield on cost (5-Year) 3.55
LBAI's Yield on cost (5-Year) is ranked higher than
59% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. LBAI: 3.55 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LBAI' s 10-Year Yield on cost (5-Year) Range
Min: 2.38   Max: 8.57
Current: 3.55

2.38
8.57
Share Buyback Rate -10.60
LBAI's Share Buyback Rate is ranked lower than
80% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. LBAI: -10.60 )
Ranked among companies with meaningful Share Buyback Rate only.
LBAI' s 10-Year Share Buyback Rate Range
Min: 0.6   Max: -24.3
Current: -10.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
LBAI's Price/Tangible Book is ranked lower than
66% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. LBAI: 1.60 )
Ranked among companies with meaningful Price/Tangible Book only.
LBAI' s 10-Year Price/Tangible Book Range
Min: 1.24   Max: 3.64
Current: 1.6

1.24
3.64
Price/DCF (Projected) 0.70
LBAI's Price/DCF (Projected) is ranked higher than
54% of the 952 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. LBAI: 0.70 )
Ranked among companies with meaningful Price/DCF (Projected) only.
LBAI' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 1.21
Current: 0.7

0.32
1.21
Price/Median PS Value 1.10
LBAI's Price/Median PS Value is ranked higher than
56% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. LBAI: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
LBAI' s 10-Year Price/Median PS Value Range
Min: 0.46   Max: 7.16
Current: 1.1

0.46
7.16
Price/Graham Number 1.00
LBAI's Price/Graham Number is ranked lower than
57% of the 1431 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. LBAI: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
LBAI' s 10-Year Price/Graham Number Range
Min: 0.73   Max: 1.9
Current: 1

0.73
1.9
Earnings Yield (Greenblatt) 8.50
LBAI's Earnings Yield (Greenblatt) is ranked higher than
65% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. LBAI: 8.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
LBAI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 10.6
Current: 8.5

1.5
10.6
Forward Rate of Return (Yacktman) 12.80
LBAI's Forward Rate of Return (Yacktman) is ranked lower than
54% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. LBAI: 12.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
LBAI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.5   Max: 33.7
Current: 12.8

-0.5
33.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Lakeland Bancorp Inc, a bank holding company, was organized in March of 1989. The Company, through its subsidiary, Lakeland Bank, currently operates 52 banking offices, located in Bergen, Essex, Morris, Passaic, Somerset, Sussex, Union and Warren counties in New Jersey. The Company offers wire transfer, Internet banking, mobile banking and night depository services to the business community and municipal relationships. Through Lakeland, the Company offers lending, depository, and related financial services to individuals, small to medium sized businesses and municipalities located in northern and central New Jersey. In the lending area, these services include short and medium term loans, lines of credit, letters of credit, interest rate swaps, inventory and accounts receivable financing, real estate construction loans, mortgage loans and merchant credit card services. In addition to commercial real estate loans, Lakeland makes commercial and industrial loans, which are not always secured by real estate. Lakeland's Equipment Finance Division provides a solution to small and medium sized companies who prefer to finance equipment over other financial alternatives. Lakeland's Asset Based Loan Department provides commercial borrowers with another lending alternative. Depository products include demand deposits, as well as savings, money market and time accounts. In addition, Lakeland offers cash management services, such as remote capture of deposits and overnight sweep repurchase agreements. Lakeland also offers consumer banking services, including checking accounts, savings accounts, NOW accounts, money market accounts, certificates of deposit, internet banking, mobile banking, secured and unsecured loans, consumer installment loans, home equity loans, mortgage loans, and safe deposit services. It also provides wealth management services. It faces competition in its market areas for deposits and loans from other depository institutions. It also competes with credit unions, brokerage firms, insurance companies, money market mutual funds, consumer finance companies, mortgage companies and other financial companies. Further, the competition for loans comes from other commercial banks, savings institutions, insurance companies, consumer finance companies, credit unions, mortgage banking firms and other institutional lenders. The Company is subject to a number of laws and regulations set forth by Federal Reserve Board, Federal Deposit Insurance Corporation, as well as states and local governments.
» More Articles for LBAI

Headlines

Articles On GuruFocus.com
GuruFocus Historical Low P/B Portfolio Gained 16.8% YTD, Thanks To These Stocks: LBAI, FDO, SJI, VLO Dec 23 2010 
GuruFocus Historical Low P/S Portfolio Gained 19.33% YTD, Thanks to These Stocks: LBAI, FDO, AZO, SJ Dec 23 2010 
Lakeland Bancorp Inc. Reports Operating Results (10-Q) Nov 08 2010 
Lakeland Bancorp Inc. Reports Operating Results (10-Q) Aug 06 2010 
Top Performing Historical Low P/S Stocks: AutoZone Inc., Family Dollar Stores Inc., Lakeland Bancorp Jul 05 2010 
All GuruFocus Model Portfolios Outperformed in the First Half; Two delivered Positive Gains Jun 30 2010 
Historical Low P/S and P/B Model Portfolios Outperform S&P 500 Handsomely May 12 2010 
Lakeland Bancorp Inc. Reports Operating Results (10-Q) May 07 2010 
Historical Low P/S and P/B Model Portfolios Outperform Handsomely in the First Quarter, helped by Fa Mar 28 2010 
Lakeland Bancorp Inc. (LBAI) CEO Thomas Shara buys 1,500 Shares Nov 17 2009 

More From Other Websites
LAKELAND BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2015
LAKELAND BANCORP INC Financials May 15 2015
10-Q for Lakeland Bancorp, Inc. May 11 2015
LAKELAND BANCORP INC Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for Lakeland Bancorp, Inc. May 04 2015
LAKELAND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Apr 23 2015
Lakeland Bancorp posts 1Q profit Apr 23 2015
Lakeland Bancorp posts 1Q profit Apr 23 2015
Lakeland Bancorp Reports 16% Increase in Net Income and Raises Cash Dividend Apr 23 2015
LAKELAND BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 20 2015
LAKELAND BANCORP INC Files SEC form 10-K, Annual Report Mar 16 2015
LAKELAND BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 02 2015
Lakeland Bancorp Reports Record Full Year Results Feb 19 2015
LAKELAND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Jan 30 2015
Lakeland Bancorp posts 4Q profit Jan 30 2015
Lakeland Bancorp posts 4Q profit Jan 30 2015
LAKELAND BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 10 2014
Is Lakeland Bancorp (CB) Stock a Solid Choice Right Now? Oct 30 2014
LAKELAND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Oct 21 2014
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