Switch to:

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 0.49
LBAI's Cash to Debt is ranked lower than
74% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. LBAI: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
LBAI' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.6 Max: N/A
Current: 0.49
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 3.81
LBAI's Interest Coverage is ranked higher than
74% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. LBAI: 3.81 )
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: 3.81
0.4
5.18
F-Score: 5
M-Score: -2.19
WACC vs ROIC
6.34%
6.25%
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 (%) 36.21
LBAI's Operating margin (%) is ranked higher than
62% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. LBAI: 36.21 )
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: 36.21
Current: 36.21
-11.74
36.21
Net-margin (%) 23.99
LBAI's Net-margin (%) is ranked higher than
56% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. LBAI: 23.99 )
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: 23.99
Current: 23.99
-4.81
23.99
ROE (%) 8.57
LBAI's ROE (%) is ranked higher than
51% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. LBAI: 8.57 )
Ranked among companies with meaningful ROE (%) only.
LBAI' s ROE (%) Range Over the Past 10 Years
Min: -3.51  Med: 7.8 Max: 8.75
Current: 8.57
-3.51
8.75
ROA (%) 0.89
LBAI's ROA (%) is ranked higher than
51% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. LBAI: 0.89 )
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: 0.89
-0.2
0.91
Revenue Growth (3Y)(%) -2.70
LBAI's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 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: -5.8  Med: 6.7 Max: 100.6
Current: -2.7
-5.8
100.6
EBITDA Growth (3Y)(%) 4.80
LBAI's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 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: -9.4  Med: 4.8 Max: 22.6
Current: 4.8
-9.4
22.6
EPS Growth (3Y)(%) 5.70
LBAI's EPS Growth (3Y)(%) is ranked lower than
55% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. LBAI: 5.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LBAI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.8  Med: 5.7 Max: 23.8
Current: 5.7
-17.8
23.8
» LBAI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

LBAI Guru Trades in Q4 2015

Jim Simons 174,502 sh (+27.46%)
» More
Q1 2016

LBAI Guru Trades in Q1 2016

Jim Simons 358,702 sh (+105.56%)
» More
Q2 2016

LBAI Guru Trades in Q2 2016

Jim Simons 256,102 sh (-28.60%)
» More
Q3 2016

LBAI Guru Trades in Q3 2016

Jim Simons 193,700 sh (-24.37%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:TRST, NAS:EFSC, NAS:RBCAA, NAS:GABC, NYSE:BANC, NAS:CTBI, NAS:SBCF, NAS:OPB, NAS:TCBK, NAS:CNOB, NAS:MSFG, NAS:SASR, NAS:GSBC, NYSE:NBHC, NAS:WASH, NAS:HFWA, NAS:PPBI, NAS:NFBK, NAS:CHCO, NYSE:CUBI » details
Lakeland Bancorp Inc, through its subsidiary offers lending, depository, and related financial services to individuals and small to medium sized businesses. It also offers a range of consumer banking services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 20.43
LBAI's P/E(ttm) is ranked lower than
73% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. LBAI: 20.43 )
Ranked among companies with meaningful P/E(ttm) only.
LBAI' s P/E(ttm) Range Over the Past 10 Years
Min: 10.34  Med: 14.83 Max: 23.06
Current: 20.43
10.34
23.06
PE(NRI) 20.43
LBAI's PE(NRI) is ranked lower than
73% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. LBAI: 20.43 )
Ranked among companies with meaningful PE(NRI) only.
LBAI' s PE(NRI) Range Over the Past 10 Years
Min: 10.21  Med: 14.8 Max: 22.43
Current: 20.43
10.21
22.43
Price/Owner Earnings (ttm) 22.37
LBAI's Price/Owner Earnings (ttm) is ranked lower than
75% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. LBAI: 22.37 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
LBAI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.48  Med: 13.74 Max: 69.75
Current: 22.37
6.48
69.75
P/B 1.65
LBAI's P/B is ranked lower than
75% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. LBAI: 1.65 )
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: 1.76
Current: 1.65
0.63
1.76
P/S 4.86
LBAI's P/S is ranked lower than
74% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. LBAI: 4.86 )
Ranked among companies with meaningful P/S only.
LBAI' s P/S Range Over the Past 10 Years
Min: 1.24  Med: 2.83 Max: 8.05
Current: 4.86
1.24
8.05
PFCF 18.62
LBAI's PFCF is ranked lower than
68% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. LBAI: 18.62 )
Ranked among companies with meaningful PFCF only.
LBAI' s PFCF Range Over the Past 10 Years
Min: 3.6  Med: 10.3 Max: 2360
Current: 18.62
3.6
2360
POCF 16.69
LBAI's POCF is ranked lower than
71% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. LBAI: 16.69 )
Ranked among companies with meaningful POCF only.
LBAI' s POCF Range Over the Past 10 Years
Min: 3.32  Med: 8.4 Max: 16.74
Current: 16.69
3.32
16.74
EV-to-EBIT 17.96
LBAI's EV-to-EBIT is ranked lower than
66% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. LBAI: 17.96 )
Ranked among companies with meaningful EV-to-EBIT only.
LBAI' s EV-to-EBIT Range Over the Past 10 Years
Min: -42.4  Med: 12.9 Max: 30.1
Current: 17.96
-42.4
30.1
EV-to-EBITDA 16.73
LBAI's EV-to-EBITDA is ranked lower than
67% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. LBAI: 16.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
LBAI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -68.3  Med: 11.7 Max: 28.6
Current: 16.73
-68.3
28.6
PEG 6.09
LBAI's PEG is ranked lower than
90% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. LBAI: 6.09 )
Ranked among companies with meaningful PEG only.
LBAI' s PEG Range Over the Past 10 Years
Min: 2.96  Med: 3.66 Max: 20.32
Current: 6.09
2.96
20.32
Shiller P/E 29.49
LBAI's Shiller P/E is ranked lower than
72% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. LBAI: 29.49 )
Ranked among companies with meaningful Shiller P/E only.
LBAI' s Shiller P/E Range Over the Past 10 Years
Min: 8.22  Med: 15.47 Max: 29.49
Current: 29.49
8.22
29.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.98
LBAI's Dividend Yield is ranked lower than
65% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. LBAI: 1.98 )
Ranked among companies with meaningful Dividend Yield only.
LBAI' s Dividend Yield Range Over the Past 10 Years
Min: 1.81  Med: 2.67 Max: 6.53
Current: 1.98
1.81
6.53
Dividend Payout 0.40
LBAI's Dividend Payout is ranked lower than
63% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LBAI: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
LBAI' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.4 Max: 2.87
Current: 0.4
0.19
2.87
Dividend Growth (3y) 12.00
LBAI's Dividend Growth (3y) is ranked higher than
60% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 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: 5.9 Max: 14.4
Current: 12
-18.4
14.4
Forward Dividend Yield 2.11
LBAI's Forward Dividend Yield is ranked lower than
68% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. LBAI: 2.11 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.52
LBAI's Yield on cost (5-Year) is ranked higher than
51% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. LBAI: 3.52 )
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: 4.75 Max: 11.61
Current: 3.52
3.22
11.61
3-Year Average Share Buyback Ratio -6.70
LBAI's 3-Year Average Share Buyback Ratio is ranked lower than
68% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. LBAI: -6.70 )
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: -22.6  Med: -4.1 Max: 0.9
Current: -6.7
-22.6
0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.32
LBAI's Price/Tangible Book is ranked lower than
83% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. LBAI: 2.32 )
Ranked among companies with meaningful Price/Tangible Book only.
LBAI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.24  Med: 1.95 Max: 3.61
Current: 2.32
1.24
3.61
Price/Projected FCF 1.02
LBAI's Price/Projected FCF is ranked lower than
70% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. LBAI: 1.02 )
Ranked among companies with meaningful Price/Projected FCF only.
LBAI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.62 Max: 1.28
Current: 1.02
0.34
1.28
Price/Median PS Value 1.72
LBAI's Price/Median PS Value is ranked lower than
87% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. LBAI: 1.72 )
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: 1.16 Max: 7.26
Current: 1.72
0.48
7.26
Price/Graham Number 1.45
LBAI's Price/Graham Number is ranked lower than
80% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. LBAI: 1.45 )
Ranked among companies with meaningful Price/Graham Number only.
LBAI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.84  Med: 1.24 Max: 1.93
Current: 1.45
0.84
1.93
Earnings Yield (Greenblatt) (%) 5.58
LBAI's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. LBAI: 5.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LBAI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.3  Med: 7.45 Max: 11
Current: 5.58
3.3
11
Forward Rate of Return (Yacktman) (%) 11.90
LBAI's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. LBAI: 11.90 )
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: -1.6  Med: 10.4 Max: 23.9
Current: 11.9
-1.6
23.9

More Statistics

Revenue (TTM) (Mil) $158.5
EPS (TTM) $ 0.91
Beta0.70
Short Percentage of Float2.65%
52-Week Range $9.72 - 18.75
Shares Outstanding (Mil)44.44
» 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
Is DHT Holdings Inc (DHT) About to Sink? Hedge Funds Are Fleeing Dec 03 2016
ETFs with exposure to Lakeland Bancorp, Inc. : November 30, 2016 Nov 30 2016
LAKELAND BANCORP INC Financials Nov 17 2016
LAKELAND BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 08 2016
ETF’s with exposure to Lakeland Bancorp, Inc. : November 3, 2016 Nov 03 2016
Lakeland Bancorp, Inc. :LBAI-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
Lakeland downgraded by Raymond James Oct 27 2016
LAKELAND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Oct 26 2016
Lakeland Bancorp Reports a 25% Increase in Earnings Per Share Oct 26 2016
Lakeland Bancorp posts 3Q profit Oct 26 2016
Lakeland Bancorp posts 3Q profit Oct 26 2016
Lakeland Bancorp Reports a 25% Increase in Earnings Per Share Oct 26 2016
Lakeland Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : LBAI-US : October... Oct 24 2016
Lakeland Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : LBAI-US : October... Oct 14 2016
Lakeland Bancorp, Inc. : LBAI-US: Dividend Analysis : August 03rd, 2016 (record date) : By the... Oct 13 2016
LAKELAND BANCORP INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of a... Sep 30 2016
Lakeland Bancorp Announces Pricing of $75 Million of 5.125% Subordinated Notes Sep 30 2016
Lakeland Bancorp Announces Pricing of $75 Million of 5.125% Subordinated Notes Sep 30 2016
LAKELAND BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 09 2016
LAKELAND BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 01 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)