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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 0.55
LBAI's Cash to Debt is ranked lower than
69% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. LBAI: 0.55 )
Ranked among companies with meaningful Cash to Debt only.
LBAI' s Cash to Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.55 Max: No Debt
Current: 0.55
Equity to Asset 0.10
LBAI's Equity to Asset is ranked higher than
50% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LBAI: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
LBAI' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 4.00
LBAI's Interest Coverage is ranked higher than
75% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. LBAI: 4.00 )
Ranked among companies with meaningful Interest Coverage only.
LBAI' s Interest Coverage Range Over the Past 10 Years
Min: 0.4  Med: 1.42 Max: 5.18
Current: 4
0.4
5.18
F-Score: 3
M-Score: -2.50
WACC vs ROIC
5.86%
5.74%
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 (%) 33.87
LBAI's Operating margin (%) is ranked higher than
57% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. LBAI: 33.87 )
Ranked among companies with meaningful Operating margin (%) only.
LBAI' s Operating margin (%) Range Over the Past 10 Years
Min: -11.74  Med: 28.41 Max: 35.3
Current: 33.87
-11.74
35.3
Net-margin (%) 22.52
LBAI's Net-margin (%) is ranked higher than
50% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. LBAI: 22.52 )
Ranked among companies with meaningful Net-margin (%) only.
LBAI' s Net-margin (%) Range Over the Past 10 Years
Min: -4.81  Med: 19.45 Max: 23.71
Current: 22.52
-4.81
23.71
ROE (%) 7.93
LBAI's ROE (%) is ranked lower than
54% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. LBAI: 7.93 )
Ranked among companies with meaningful ROE (%) only.
LBAI' s ROE (%) Range Over the Past 10 Years
Min: -3.51  Med: 7.86 Max: 8.75
Current: 7.93
-3.51
8.75
ROA (%) 0.83
LBAI's ROA (%) is ranked lower than
55% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. LBAI: 0.83 )
Ranked among companies with meaningful ROA (%) only.
LBAI' s ROA (%) Range Over the Past 10 Years
Min: -0.2  Med: 0.76 Max: 0.91
Current: 0.83
-0.2
0.91
Revenue Growth (3Y)(%) -2.70
LBAI's Revenue Growth (3Y)(%) is ranked lower than
76% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. LBAI: -2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LBAI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.80 Max: 100.6
Current: -2.7
0
100.6
EBITDA Growth (3Y)(%) 4.80
LBAI's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. LBAI: 4.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LBAI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.60 Max: 22.6
Current: 4.8
0
22.6
EPS Growth (3Y)(%) 5.60
LBAI's EPS Growth (3Y)(%) is ranked lower than
57% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. LBAI: 5.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LBAI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.8  Med: 5.60 Max: 23.8
Current: 5.6
-17.8
23.8
» LBAI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-22)


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

» Details

Guru Trades

Q1 2015

LBAI Guru Trades in Q1 2015

Jim Simons 58,902 sh (+111.12%)
» More
Q2 2015

LBAI Guru Trades in Q2 2015

Jim Simons 116,158 sh (+97.21%)
» More
Q3 2015

LBAI Guru Trades in Q3 2015

Jim Simons 136,906 sh (+17.86%)
» More
Q4 2015

LBAI Guru Trades in Q4 2015

Jim Simons 174,502 sh (+27.46%)
» 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) 13.36
LBAI's P/E(ttm) is ranked lower than
54% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. LBAI: 13.36 )
Ranked among companies with meaningful P/E(ttm) only.
LBAI' s P/E(ttm) Range Over the Past 10 Years
Min: 10.23  Med: 15.04 Max: 22.99
Current: 13.36
10.23
22.99
PE(NRI) 13.36
LBAI's PE(NRI) is ranked lower than
54% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. LBAI: 13.36 )
Ranked among companies with meaningful PE(NRI) only.
LBAI' s PE(NRI) Range Over the Past 10 Years
Min: 10.21  Med: 15.09 Max: 23.06
Current: 13.36
10.21
23.06
Price/Owner Earnings (ttm) 12.97
LBAI's Price/Owner Earnings (ttm) is ranked lower than
55% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. LBAI: 12.97 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
LBAI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.36  Med: 13.25 Max: 57.24
Current: 12.97
6.36
57.24
P/B 1.02
LBAI's P/B is ranked higher than
52% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. LBAI: 1.02 )
Ranked among companies with meaningful P/B only.
LBAI' s P/B Range Over the Past 10 Years
Min: 0.63  Med: 1.12 Max: 1.79
Current: 1.02
0.63
1.79
P/S 3.06
LBAI's P/S is ranked lower than
52% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. LBAI: 3.06 )
Ranked among companies with meaningful P/S only.
LBAI' s P/S Range Over the Past 10 Years
Min: 1.24  Med: 2.84 Max: 16.03
Current: 3.06
1.24
16.03
PFCF 11.74
LBAI's PFCF is ranked lower than
57% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. LBAI: 11.74 )
Ranked among companies with meaningful PFCF only.
LBAI' s PFCF Range Over the Past 10 Years
Min: 3.6  Med: 9.22 Max: 2360
Current: 11.74
3.6
2360
POCF 10.34
LBAI's POCF is ranked lower than
57% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. LBAI: 10.34 )
Ranked among companies with meaningful POCF only.
LBAI' s POCF Range Over the Past 10 Years
Min: 3.32  Med: 7.69 Max: 36.73
Current: 10.34
3.32
36.73
EV-to-EBIT 13.20
LBAI's EV-to-EBIT is ranked higher than
51% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. LBAI: 13.20 )
Ranked among companies with meaningful EV-to-EBIT only.
LBAI' s EV-to-EBIT Range Over the Past 10 Years
Min: -42.4  Med: 13.15 Max: 47.6
Current: 13.2
-42.4
47.6
EV-to-EBITDA 12.23
LBAI's EV-to-EBITDA is ranked higher than
50% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. LBAI: 12.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
LBAI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -68.3  Med: 12.00 Max: 47.6
Current: 12.23
-68.3
47.6
PEG 4.06
LBAI's PEG is ranked lower than
85% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. LBAI: 4.06 )
Ranked among companies with meaningful PEG only.
LBAI' s PEG Range Over the Past 10 Years
Min: 2.56  Med: 3.69 Max: 10.78
Current: 4.06
2.56
10.78
Shiller P/E 17.98
LBAI's Shiller P/E is ranked lower than
54% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. LBAI: 17.98 )
Ranked among companies with meaningful Shiller P/E only.
LBAI' s Shiller P/E Range Over the Past 10 Years
Min: 8.22  Med: 15.18 Max: 19.76
Current: 17.98
8.22
19.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.07
LBAI's Dividend Yield is ranked higher than
52% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. LBAI: 3.07 )
Ranked among companies with meaningful Dividend Yield only.
LBAI' s Dividend Yield Range Over the Past 10 Years
Min: 1.81  Med: 2.64 Max: 6.53
Current: 3.07
1.81
6.53
Dividend Payout 0.39
LBAI's Dividend Payout is ranked lower than
58% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. LBAI: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
LBAI' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.39 Max: 0.71
Current: 0.39
0.19
0.71
Dividend Growth (3y) 12.00
LBAI's Dividend Growth (3y) is ranked higher than
61% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. LBAI: 12.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
LBAI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -18.4  Med: 6.50 Max: 25.8
Current: 12
-18.4
25.8
Forward Dividend Yield 3.43
LBAI's Forward Dividend Yield is ranked higher than
55% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. LBAI: 3.43 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.46
LBAI's Yield on cost (5-Year) is ranked higher than
72% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. LBAI: 5.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LBAI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.22  Med: 4.69 Max: 11.61
Current: 5.46
3.22
11.61
3-Year Average Share Buyback Ratio -9.30
LBAI's 3-Year Average Share Buyback Ratio is ranked lower than
75% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. LBAI: -9.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LBAI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -24.3  Med: -2.50 Max: 0.6
Current: -9.3
-24.3
0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
LBAI's Price/Tangible Book is ranked lower than
68% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. LBAI: 1.44 )
Ranked among companies with meaningful Price/Tangible Book only.
LBAI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.24  Med: 2.04 Max: 3.61
Current: 1.44
1.24
3.61
Price/Projected FCF 0.64
LBAI's Price/Projected FCF is ranked higher than
53% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. LBAI: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
LBAI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.87 Max: 1.34
Current: 0.64
0.47
1.34
Price/Median PS Value 1.08
LBAI's Price/Median PS Value is ranked lower than
61% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. LBAI: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
LBAI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1.15 Max: 3
Current: 1.08
0.48
3
Price/Graham Number 0.92
LBAI's Price/Graham Number is ranked lower than
58% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. LBAI: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
LBAI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.89  Med: 1.26 Max: 1.8
Current: 0.92
0.89
1.8
Earnings Yield (Greenblatt) (%) 7.60
LBAI's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. LBAI: 7.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LBAI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 7.20 Max: 11
Current: 7.6
2.1
11
Forward Rate of Return (Yacktman) (%) 14.91
LBAI's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. LBAI: 14.91 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LBAI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -6.2  Med: 9.50 Max: 23.9
Current: 14.91
-6.2
23.9

More Statistics

Revenue(Mil) $143
EPS $ 0.83
Beta0.79
Short Percentage of Float3.31%
52-Week Range $9.72 - 12.50
Shares Outstanding(Mil)41.23

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LKFN, OTCPK:FMBL, NYSE:BANC, NAS:STBZ, NAS:ORIT, NAS:NFBK » 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 

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