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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.03
LRCDF's Cash to Debt is ranked lower than
53% of the 1375 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.49 vs. LRCDF: 0.03 )
LRCDF' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.03

Equity to Asset 0.04
LRCDF's Equity to Asset is ranked lower than
52% of the 1762 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 0.09 vs. LRCDF: 0.04 )
LRCDF' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.06
Current: 0.04

0.04
0.06
Interest Coverage 0.25
LRCDF's Interest Coverage is ranked higher than
50% of the 1631 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.27 vs. LRCDF: 0.25 )
LRCDF' s 10-Year Interest Coverage Range
Min: 0.17   Max: 0.31
Current: 0.25

0.17
0.31
F-Score: 2
Z-Score: 0.16
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 : 6/10

vs
industry
vs
history
Operating margin (%) 21.08
LRCDF's Operating margin (%) is ranked higher than
64% of the 1787 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 29.70 vs. LRCDF: 21.08 )
LRCDF' s 10-Year Operating margin (%) Range
Min: 18.35   Max: 28.04
Current: 21.08

18.35
28.04
Net-margin (%) 15.90
LRCDF's Net-margin (%) is ranked higher than
65% of the 1787 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 21.59 vs. LRCDF: 15.90 )
LRCDF' s 10-Year Net-margin (%) Range
Min: 6.23   Max: 17.13
Current: 15.9

6.23
17.13
ROE (%) 9.35
LRCDF's ROE (%) is ranked higher than
79% of the 1794 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 8.59 vs. LRCDF: 9.35 )
LRCDF' s 10-Year ROE (%) Range
Min: 5.43   Max: 12.8
Current: 9.35

5.43
12.8
ROA (%) 0.41
LRCDF's ROA (%) is ranked higher than
61% of the 1794 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 0.81 vs. LRCDF: 0.41 )
LRCDF' s 10-Year ROA (%) Range
Min: 0.24   Max: 0.58
Current: 0.41

0.24
0.58
ROC (Joel Greenblatt) (%) 248.64
LRCDF's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 1768 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 76.73 vs. LRCDF: 248.64 )
LRCDF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 13.03   Max: 217.65
Current: 248.64

13.03
217.65
EPS Growth (%) -4.80
LRCDF's EPS Growth (%) is ranked higher than
63% of the 1419 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 8.90 vs. LRCDF: -4.80 )
LRCDF' s 10-Year EPS Growth (%) Range
Min: -26.6   Max: 35.2
Current: -4.8

-26.6
35.2
» LRCDF's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with LRCDF

(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 )

Preferred stocks of Laurentian Bank of Canada

SymbolPriceYieldDescription
LB.PR.E.Canada25.005.255 1/4 % Non Cum Pfd Shs -A- Series -10
LB.PR.F.Canada25.543.92Non Cum Pfd Shs -A- Series -11-
LB.PR.D.Canada25.006.00
LB.PR.H.Canada25.351.91Non Cum Pfd Shs -A- Series -13-

Ratios

vs
industry
vs
history
P/E(ttm) 11.10
LRCDF's P/E(ttm) is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 14.80 vs. LRCDF: 11.10 )
LRCDF' s 10-Year P/E(ttm) Range
Min: 6.26   Max: 16.22
Current: 11.1

6.26
16.22
P/B 1.09
LRCDF's P/B is ranked higher than
75% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.16 vs. LRCDF: 1.09 )
LRCDF' s 10-Year P/B Range
Min: 0.67   Max: 1.33
Current: 1.09

0.67
1.33
P/S 1.64
LRCDF's P/S is ranked higher than
91% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 3.07 vs. LRCDF: 1.64 )
LRCDF' s 10-Year P/S Range
Min: 0.95   Max: 2.36
Current: 1.64

0.95
2.36
EV-to-EBIT 37.03
LRCDF's EV-to-EBIT is ranked higher than
62% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 16.86 vs. LRCDF: 37.03 )
LRCDF' s 10-Year EV-to-EBIT Range
Min: 3.3   Max: 47.6
Current: 37.03

3.3
47.6
Shiller P/E 10.34
LRCDF's Shiller P/E is ranked higher than
95% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 27.85 vs. LRCDF: 10.34 )
LRCDF' s 10-Year Shiller P/E Range
Min: 8.25   Max: 16.68
Current: 10.34

8.25
16.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.24
LRCDF's Dividend Yield is ranked higher than
81% of the 1509 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 2.40 vs. LRCDF: 4.24 )
LRCDF' s 10-Year Dividend Yield Range
Min: 2.63   Max: 5.23
Current: 4.24

2.63
5.23
Dividend Payout 0.35
LRCDF's Dividend Payout is ranked higher than
72% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 0.46 vs. LRCDF: 0.35 )
LRCDF' s 10-Year Dividend Payout Range
Min: 0.14   Max: 2.23
Current: 0.35

0.14
2.23
Dividend growth (3y) 11.20
LRCDF's Dividend growth (3y) is ranked higher than
84% of the 1059 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 5.60 vs. LRCDF: 11.20 )
LRCDF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 71.5
Current: 11.2

0
71.5
Yield on cost (5-Year) 6.92
LRCDF's Yield on cost (5-Year) is ranked higher than
88% of the 1522 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 2.70 vs. LRCDF: 6.92 )
LRCDF' s 10-Year Yield on cost (5-Year) Range
Min: 4.33   Max: 8.62
Current: 6.92

4.33
8.62
Share Buyback Rate -5.80
LRCDF's Share Buyback Rate is ranked higher than
64% of the 1330 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: -1.90 vs. LRCDF: -5.80 )
LRCDF' s 10-Year Share Buyback Rate Range
Min: -0.1   Max: -5.8
Current: -5.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.38
LRCDF's Price/Tangible Book is ranked higher than
70% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.33 vs. LRCDF: 1.38 )
LRCDF' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 2.25
Current: 1.38

0.7
2.25
Price/Median PS Value 1.13
LRCDF's Price/Median PS Value is ranked higher than
70% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.09 vs. LRCDF: 1.13 )
LRCDF' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 1.61
Current: 1.13

0.51
1.61
Price/Graham Number 0.72
LRCDF's Price/Graham Number is ranked higher than
86% of the 1931 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.05 vs. LRCDF: 0.72 )
LRCDF' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 0.9
Current: 0.72

0.37
0.9
Earnings Yield (Greenblatt) 2.70
LRCDF's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1739 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 6.70 vs. LRCDF: 2.70 )
LRCDF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 30.1
Current: 2.7

2.1
30.1
Forward Rate of Return (Yacktman) -28.75
LRCDF's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 1409 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 12.57 vs. LRCDF: -28.75 )
LRCDF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -36.5   Max: 18.8
Current: -28.75

-36.5
18.8

Business Description

Industry: Banks » Banks - Regional - Canada
Compare: » details
Traded in other countries:LB.Canada, LB.PR.E.Canada, LB.PR.F.Canada, LB.PR.D.Canada, LT7.Germany, LB.PR.H.Canada
Laurentian Bank is the eighth-largest bank in Canada in terms of market capitalization The bank has a solid position in the province of Quebec and has four main business segments: The Retail & SME-Québec segment provides a full range of financial products and services, offered through its distribution networks, for retail clients and small and medium-sized enterprises in Quebec. The Real Estate & Commercial business segment includes two areas of operation. The first is real estate financing, specializing in financing for condominiums, office buildings, shopping centers and residential developments. The second is commercial financing specializing in financing for medium-sized enterprises across Canada. This segment also offers international services dedicated to the foreign trade activities for the Bank's clients. The B2B Bank business segment is a leader in providing banking products and investment accounts and services distributed through a network of 27,000 financial advisors and brokers. The Laurentian Bank Securities & Capital Markets business segment acts as an integrated broker serving retail and institutional clients and manages bank-related capital market activities. It is the only bank in Canada that has increased its earnings per share in each of the last seven years. More than 75,000 accounts across Canada hold B2b bank products owing to the thousands of financial advisors and brokers. It has more than 1 million clients. The bank has securities relationships with the federal government and all 10 provinces helping them to meet their financing needs through issuing bonds.
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