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 0.58
LBAI's Cash to Debt is ranked higher than
68% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. LBAI: 0.58 )
LBAI' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.58

Equity to Asset 0.11
LBAI's Equity to Asset is ranked higher than
76% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. LBAI: 0.11 )
LBAI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.11

0.07
0.11
Interest Coverage 3.87
LBAI's Interest Coverage is ranked higher than
87% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. LBAI: 3.87 )
LBAI' s 10-Year Interest Coverage Range
Min: 0.4   Max: 3.87
Current: 3.87

0.4
3.87
F-Score: 4
Z-Score: 0.17
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 (%) 34.84
LBAI's Operating margin (%) is ranked higher than
83% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. LBAI: 34.84 )
LBAI' s 10-Year Operating margin (%) Range
Min: -356.32   Max: 35.17
Current: 34.84

-356.32
35.17
Net-margin (%) 23.23
LBAI's Net-margin (%) is ranked higher than
78% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. LBAI: 23.23 )
LBAI' s 10-Year Net-margin (%) Range
Min: -4.81   Max: 227.19
Current: 23.23

-4.81
227.19
ROE (%) 8.49
LBAI's ROE (%) is ranked higher than
75% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. LBAI: 8.49 )
LBAI' s 10-Year ROE (%) Range
Min: -2.21   Max: 14.98
Current: 8.49

-2.21
14.98
ROA (%) 0.90
LBAI's ROA (%) is ranked higher than
78% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. LBAI: 0.90 )
LBAI' s 10-Year ROA (%) Range
Min: -0.2   Max: 1.37
Current: 0.9

-0.2
1.37
ROC (Joel Greenblatt) (%) 124.75
LBAI's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. LBAI: 124.75 )
LBAI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -154.08   Max: 106.26
Current: 124.75

-154.08
106.26
Revenue Growth (3Y)(%) -5.80
LBAI's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. LBAI: -5.80 )
LBAI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 113.6
Current: -5.8

0
113.6
EBITDA Growth (3Y)(%) -0.80
LBAI's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. LBAI: -0.80 )
LBAI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 22.5
Current: -0.8

0
22.5
EPS Growth (3Y)(%) 9.40
LBAI's EPS Growth (3Y)(%) is ranked higher than
76% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. LBAI: 9.40 )
LBAI' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.3   Max: 23.5
Current: 9.4

-17.3
23.5
» LBAI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

LBAI Guru Trades in Q4 2013

Jim Simons Sold Out
» More
Q1 2014

LBAI Guru Trades in Q1 2014

Jim Simons 45,285 sh (New)
» More
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
» 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 Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.70
LBAI's P/E(ttm) is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. LBAI: 14.70 )
LBAI' s 10-Year P/E(ttm) Range
Min: 10.74   Max: 24.15
Current: 14.7

10.74
24.15
P/B 1.21
LBAI's P/B is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. LBAI: 1.21 )
LBAI' s 10-Year P/B Range
Min: 0.66   Max: 2.61
Current: 1.21

0.66
2.61
P/S 3.42
LBAI's P/S is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. LBAI: 3.42 )
LBAI' s 10-Year P/S Range
Min: 1.3   Max: 16.82
Current: 3.42

1.3
16.82
PFCF 38.39
LBAI's PFCF is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LBAI: 38.39 )
LBAI' s 10-Year PFCF Range
Min: 3.76   Max: 43.48
Current: 38.39

3.76
43.48
EV-to-EBIT 11.90
LBAI's EV-to-EBIT is ranked higher than
83% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. LBAI: 11.90 )
LBAI' s 10-Year EV-to-EBIT Range
Min: -43.4   Max: 71.5
Current: 11.9

-43.4
71.5
Shiller P/E 23.69
LBAI's Shiller P/E is ranked higher than
83% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LBAI: 23.69 )
LBAI' s 10-Year Shiller P/E Range
Min: 7.9   Max: 26.27
Current: 23.69

7.9
26.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.46
LBAI's Dividend Yield is ranked higher than
54% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. LBAI: 2.46 )
LBAI' s 10-Year Dividend Yield Range
Min: 1.72   Max: 6.22
Current: 2.46

1.72
6.22
Dividend Payout 0.36
LBAI's Dividend Payout is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. LBAI: 0.36 )
LBAI' s 10-Year Dividend Payout Range
Min: 0.3   Max: 2.69
Current: 0.36

0.3
2.69
Dividend growth (3y) 14.40
LBAI's Dividend growth (3y) is ranked higher than
86% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. LBAI: 14.40 )
LBAI' s 10-Year Dividend growth (3y) Range
Min: -18.4   Max: 38
Current: 14.4

-18.4
38
Yield on cost (5-Year) 2.98
LBAI's Yield on cost (5-Year) is ranked higher than
58% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. LBAI: 2.98 )
LBAI' s 10-Year Yield on cost (5-Year) Range
Min: 2.05   Max: 7.42
Current: 2.98

2.05
7.42
Share Buyback Rate -8.00
LBAI's Share Buyback Rate is ranked higher than
61% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. LBAI: -8.00 )
LBAI' s 10-Year Share Buyback Rate Range
Min: 0.6   Max: -24.3
Current: -8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.73
LBAI's Price/Tangible Book is ranked higher than
69% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. LBAI: 1.73 )
LBAI' s 10-Year Price/Tangible Book Range
Min: 1.3   Max: 3.82
Current: 1.73

1.3
3.82
Price/DCF (Projected) 0.89
LBAI's Price/DCF (Projected) is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. LBAI: 0.89 )
LBAI' s 10-Year Price/DCF (Projected) Range
Min: 0.34   Max: 1.27
Current: 0.89

0.34
1.27
Price/Median PS Value 1.14
LBAI's Price/Median PS Value is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. LBAI: 1.14 )
LBAI' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 7.24
Current: 1.14

0.47
7.24
Price/Graham Number 1.07
LBAI's Price/Graham Number is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. LBAI: 1.07 )
LBAI' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 3.21
Current: 1.07

0.77
3.21
Earnings Yield (Greenblatt) 8.40
LBAI's Earnings Yield (Greenblatt) is ranked higher than
81% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. LBAI: 8.40 )
LBAI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 10.1
Current: 8.4

1.4
10.1
Forward Rate of Return (Yacktman) 17.76
LBAI's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. LBAI: 17.76 )
LBAI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1   Max: 39.4
Current: 17.76

-1
39.4

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 Financials Nov 18 2014
10-Q for Lakeland Bancorp, Inc. Nov 12 2014
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
Lakeland Bancorp Reports Strong Third Quarter Results Oct 21 2014
Lakeland Bancorp Reports Strong Third Quarter Results Oct 21 2014
LAKELAND BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 11 2014
LAKELAND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Jul 22 2014
LAKELAND BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Jul 11 2014
LAKELAND BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 20 2014
LAKELAND BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 21 2014
Lakeland Bancorp announces 5% stock dividend May 21 2014
LAKELAND BANCORP INC Files SEC form 10-Q, Quarterly Report May 12 2014
LAKELAND BANCORP INC Files SEC form 8-K, Shareholder Director Nominations May 01 2014
LAKELAND BANCORP INC Files SEC form 8-K, Other Events Apr 30 2014
LAKELAND BANCORP INC Files SEC form 8-K, Other Events Apr 29 2014
LAKELAND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other Events Apr 28 2014
LAKELAND BANCORP INC Files SEC form 10-K, Annual Report Apr 28 2014
Moving Average Crossover: Great News for Lakeland Bancorp (LBAI)? Apr 11 2014

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)
Free 7-day Trial
FEEDBACK