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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
99% of the 983 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.38 vs. LRCDF: 0.03 )
Ranked among companies with meaningful Cash to Debt only.
LRCDF' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.79 Max: N/A
Current: 0.03
Equity to Asset 0.04
LRCDF's Equity to Asset is ranked lower than
97% of the 1353 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 0.10 vs. LRCDF: 0.04 )
Ranked among companies with meaningful Equity to Asset only.
LRCDF' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.05 Max: 0.06
Current: 0.04
0.04
0.06
Interest Coverage 0.31
LRCDF's Interest Coverage is ranked lower than
88% of the 1269 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.61 vs. LRCDF: 0.31 )
Ranked among companies with meaningful Interest Coverage only.
LRCDF' s 10-Year Interest Coverage Range
Min: 0.17  Med: 0.26 Max: 0.31
Current: 0.31
0.17
0.31
F-Score: 3
WACC vs ROIC
7.73%
2.21%
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 (%) 22.05
LRCDF's Operating margin (%) is ranked lower than
69% of the 1421 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 30.31 vs. LRCDF: 22.05 )
Ranked among companies with meaningful Operating margin (%) only.
LRCDF' s 10-Year Operating margin (%) Range
Min: 17.52  Med: 22.45 Max: 28.04
Current: 22.05
17.52
28.04
Net-margin (%) 17.26
LRCDF's Net-margin (%) is ranked lower than
67% of the 1421 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 22.02 vs. LRCDF: 17.26 )
Ranked among companies with meaningful Net-margin (%) only.
LRCDF' s 10-Year Net-margin (%) Range
Min: 6.23  Med: 13.75 Max: 17.13
Current: 17.26
6.23
17.13
ROE (%) 8.91
LRCDF's ROE (%) is ranked higher than
52% of the 1423 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 8.48 vs. LRCDF: 8.91 )
Ranked among companies with meaningful ROE (%) only.
LRCDF' s 10-Year ROE (%) Range
Min: 3.66  Med: 8.69 Max: 10.7
Current: 8.91
3.66
10.7
ROA (%) 0.42
LRCDF's ROA (%) is ranked lower than
76% of the 1432 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 0.87 vs. LRCDF: 0.42 )
Ranked among companies with meaningful ROA (%) only.
LRCDF' s 10-Year ROA (%) Range
Min: 0.24  Med: 0.44 Max: 0.58
Current: 0.42
0.24
0.58
Revenue Growth (3Y)(%) -0.80
LRCDF's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1210 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 2.10 vs. LRCDF: -0.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LRCDF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 1.80 Max: 11.7
Current: -0.8
0
11.7
EPS Growth (3Y)(%) -1.10
LRCDF's EPS Growth (3Y)(%) is ranked lower than
74% of the 1065 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 9.70 vs. LRCDF: -1.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LRCDF' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 2.80 Max: 35.2
Current: -1.1
0
35.2
» LRCDF's 10-Y Financials

Financials


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

» Details

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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.Canada24.253.09Non Cum Pfd Shs -A- Series -11-
LB.PR.D.Canada25.006.00
LB.PR.H.Canada20.854.01Non Cum Pfd Shs -A- Series -13-

Ratios

vs
industry
vs
history
P/E(ttm) 9.40
LRCDF's P/E(ttm) is ranked higher than
73% of the 1300 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 13.20 vs. LRCDF: 9.40 )
Ranked among companies with meaningful P/E(ttm) only.
LRCDF' s 10-Year P/E(ttm) Range
Min: 6.26  Med: 11.14 Max: 16.22
Current: 9.4
6.26
16.22
Forward P/E 7.84
LRCDF's Forward P/E is ranked higher than
82% of the 718 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 11.82 vs. LRCDF: 7.84 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.50
LRCDF's PE(NRI) is ranked higher than
73% of the 1288 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 13.20 vs. LRCDF: 9.50 )
Ranked among companies with meaningful PE(NRI) only.
LRCDF' s 10-Year PE(NRI) Range
Min: 6.27  Med: 11.31 Max: 17.78
Current: 9.5
6.27
17.78
P/B 0.96
LRCDF's P/B is ranked higher than
59% of the 1381 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.05 vs. LRCDF: 0.96 )
Ranked among companies with meaningful P/B only.
LRCDF' s 10-Year P/B Range
Min: 0.67  Med: 1.04 Max: 1.33
Current: 0.96
0.67
1.33
P/S 1.58
LRCDF's P/S is ranked higher than
83% of the 1426 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 2.88 vs. LRCDF: 1.58 )
Ranked among companies with meaningful P/S only.
LRCDF' s 10-Year P/S Range
Min: 0.95  Med: 1.48 Max: 2.36
Current: 1.58
0.95
2.36
PFCF 14.20
LRCDF's PFCF is ranked lower than
65% of the 858 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 10.85 vs. LRCDF: 14.20 )
Ranked among companies with meaningful PFCF only.
LRCDF' s 10-Year PFCF Range
Min: 1.66  Med: 3.73 Max: 17.89
Current: 14.2
1.66
17.89
POCF 10.51
LRCDF's POCF is ranked lower than
58% of the 954 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 9.17 vs. LRCDF: 10.51 )
Ranked among companies with meaningful POCF only.
LRCDF' s 10-Year POCF Range
Min: 1.53  Med: 4.03 Max: 56.69
Current: 10.51
1.53
56.69
EV-to-EBIT 37.54
LRCDF's EV-to-EBIT is ranked lower than
87% of the 1297 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 13.56 vs. LRCDF: 37.54 )
Ranked among companies with meaningful EV-to-EBIT only.
LRCDF' s 10-Year EV-to-EBIT Range
Min: 4.5  Med: 15.40 Max: 74.1
Current: 37.54
4.5
74.1
Shiller P/E 9.48
LRCDF's Shiller P/E is ranked higher than
81% of the 784 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 15.97 vs. LRCDF: 9.48 )
Ranked among companies with meaningful Shiller P/E only.
LRCDF' s 10-Year Shiller P/E Range
Min: 8.22  Med: 10.80 Max: 16.8
Current: 9.48
8.22
16.8
Days Sales Outstanding 48.26
LRCDF's Days Sales Outstanding is ranked lower than
63% of the 793 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 34.20 vs. LRCDF: 48.26 )
Ranked among companies with meaningful Days Sales Outstanding only.
LRCDF' s 10-Year Days Sales Outstanding Range
Min: 37.46  Med: 96.10 Max: 141.78
Current: 48.26
37.46
141.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.73
LRCDF's Dividend Yield is ranked higher than
68% of the 2262 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 2.73 vs. LRCDF: 3.73 )
Ranked among companies with meaningful Dividend Yield only.
LRCDF' s 10-Year Dividend Yield Range
Min: 2.04  Med: 3.82 Max: 5.23
Current: 3.73
2.04
5.23
Dividend Payout 0.44
LRCDF's Dividend Payout is ranked lower than
67% of the 1321 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 0.33 vs. LRCDF: 0.44 )
Ranked among companies with meaningful Dividend Payout only.
LRCDF' s 10-Year Dividend Payout Range
Min: 0.14  Med: 0.39 Max: 2.23
Current: 0.44
0.14
2.23
Dividend growth (3y) 8.30
LRCDF's Dividend growth (3y) is ranked higher than
54% of the 671 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 7.50 vs. LRCDF: 8.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
LRCDF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 1.55 Max: 71.5
Current: 8.3
0
71.5
Yield on cost (5-Year) 3.90
LRCDF's Yield on cost (5-Year) is ranked higher than
59% of the 2265 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 3.15 vs. LRCDF: 3.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LRCDF' s 10-Year Yield on cost (5-Year) Range
Min: 2.04  Med: 3.82 Max: 5.23
Current: 3.9
2.04
5.23
Share Buyback Rate -6.30
LRCDF's Share Buyback Rate is ranked lower than
69% of the 1012 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: -1.90 vs. LRCDF: -6.30 )
Ranked among companies with meaningful Share Buyback Rate only.
LRCDF' s 10-Year Share Buyback Rate Range
Min: -0.1  Med: -1.65 Max: -6.3
Current: -6.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
LRCDF's Price/Tangible Book is ranked lower than
54% of the 1349 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.15 vs. LRCDF: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
LRCDF' s 10-Year Price/Tangible Book Range
Min: 0.7  Med: 1.19 Max: 2.25
Current: 1.1
0.7
2.25
Price/Median PS Value 0.88
LRCDF's Price/Median PS Value is ranked higher than
52% of the 1310 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 1.05 vs. LRCDF: 0.88 )
Ranked among companies with meaningful Price/Median PS Value only.
LRCDF' s 10-Year Price/Median PS Value Range
Min: 0.49  Med: 0.88 Max: 1.55
Current: 0.88
0.49
1.55
Price/Graham Number 0.56
LRCDF's Price/Graham Number is ranked higher than
71% of the 1192 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 0.82 vs. LRCDF: 0.56 )
Ranked among companies with meaningful Price/Graham Number only.
LRCDF' s 10-Year Price/Graham Number Range
Min: 0.37  Med: 0.64 Max: 0.9
Current: 0.56
0.37
0.9
Earnings Yield (Greenblatt) (%) 2.71
LRCDF's Earnings Yield (Greenblatt) (%) is ranked lower than
78% of the 1422 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 6.80 vs. LRCDF: 2.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LRCDF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 6.50 Max: 22
Current: 2.71
1.3
22
Forward Rate of Return (Yacktman) (%) -38.04
LRCDF's Forward Rate of Return (Yacktman) (%) is ranked lower than
96% of the 785 Companies
in the Global Banks - Regional - Canada industry.

( Industry Median: 14.29 vs. LRCDF: -38.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LRCDF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -49.1  Med: -14.80 Max: 28
Current: -38.04
-49.1
28

Analyst Estimate

Oct15 Oct16 Oct17
EPS($) 4.15 4.33 4.53
EPS without NRI($) 4.15 4.33 4.53

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, LB.PR.H.Canada, LT7.Germany,
Laurentian Bank of Canada was incorporated on May 26, 1846. 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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