LRCDF (Laurentian Bank of Canada) Cyclically Adjusted FCF per Share: $8.53 (As of Apr. 2026)


LRCDF Laurentian Bank of Canada LRCDF
51 GF Score
Price $28.61
GF Value $19.54
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Laurentian Bank of Canada Cyclically Adjusted FCF per Share?

Laurentian Bank of Canada LRCDF -1.69% 51 Cyclically Adjusted FCF per Share is $8.53 as of Apr. 2026. GuruFocus rates LRCDF with a GF Score™ of 51/100 and a GF Value™ of $19.54 (Significantly Overvalued). The stock has 9 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Laurentian Bank of Canada's adjusted free cash flow per share for the three months ended in Apr. 2026 was $14.810. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $8.53 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Laurentian Bank of Canada's average Cyclically Adjusted FCF Growth Rate was 4.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 21.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Laurentian Bank of Canada was 154.70% per year. The lowest was -35.10% per year. And the median was 4.70% per year.

As of today (2026-07-01), Laurentian Bank of Canada's current stock price is $28.6074. Laurentian Bank of Canada's Cyclically Adjusted FCF per Share for the quarter that ended in Apr. 2026 was $8.53. Laurentian Bank of Canada's Cyclically Adjusted Price-to-FCF of today is 3.35.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Laurentian Bank of Canada was 89.63. The lowest was 2.15. And the median was 3.87.


Laurentian Bank of Canada  (OTCPK:LRCDF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Laurentian Bank of Canada's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=28.6074/8.53
=3.35

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Laurentian Bank of Canada was 89.63. The lowest was 2.15. And the median was 3.87.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Laurentian Bank of Canada Cyclically Adjusted FCF per Share Related Terms


Laurentian Bank of Canada Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Laurentian Bank of Canada's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Laurentian Bank of Canada Cyclically Adjusted FCF per Share Chart

Laurentian Bank of Canada Annual Data
Trend Oct16 Oct17 Oct18 Oct19 Oct20 Oct21 Oct22 Oct23 Oct24 Oct25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.40 3.80 7.24 5.94 7.04

Laurentian Bank of Canada Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.00 8.88 7.04 7.66 8.53

LRCDF vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Laurentian Bank of Canada's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Laurentian Bank of Canada Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Laurentian Bank of Canada's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Laurentian Bank of Canada's Cyclically Adjusted Price-to-FCF falls into.


LRCDF
51GF Score
Laurentian Bank of Canada LRCDF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Laurentian Bank of Canada Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Laurentian Bank of Canada's adjusted Free Cash Flow per Share data for the three months ended in Apr. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Apr. 2026 (Change)*Current CPI (Apr. 2026)
=14.81/132.2623*132.2623
=14.810

Current CPI (Apr. 2026) = 132.2623.

Laurentian Bank of Canada Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201607 -8.419 101.844 -10.934
201610 36.361 102.002 47.148
201701 -4.030 102.318 -5.209
201704 6.645 103.029 8.530
201707 5.143 103.029 6.602
201710 12.501 103.424 15.987
201801 -2.863 104.056 -3.639
201804 -8.003 105.320 -10.050
201807 12.367 106.110 15.415
201810 -12.311 105.952 -15.368
201901 0.535 105.557 0.670
201904 -3.906 107.453 -4.808
201907 1.600 108.243 1.955
201910 -4.226 107.927 -5.179
202001 0.709 108.085 0.868
202004 0.761 107.216 0.939
202007 7.711 108.401 9.408
202010 2.182 108.638 2.656
202101 -2.337 109.192 -2.831
202104 -0.254 110.851 -0.303
202107 5.845 112.431 6.876
202110 -2.050 113.695 -2.385
202201 3.271 114.801 3.769
202204 0.994 118.357 1.111
202207 5.726 120.964 6.261
202210 4.759 121.517 5.180
202301 -11.838 121.596 -12.876
202304 -5.386 123.571 -5.765
202307 15.358 124.914 16.261
202310 -8.291 125.310 -8.751
202401 -2.571 125.072 -2.719
202404 8.196 126.890 8.543
202407 -0.868 128.075 -0.896
202410 -2.083 127.838 -2.155
202501 15.479 127.443 16.064
202504 -11.172 129.102 -11.445
202507 7.734 130.287 7.851
202510 -6.728 130.603 -6.813
202601 3.281 130.366 3.329
202604 14.810 132.262 14.810

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $8.53 mean?
Laurentian Bank of Canada (LRCDF) has a Cyclically Adjusted FCF per Share of $8.53 as of Apr. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Laurentian Bank of Canada and its competitors.
Is Laurentian Bank of Canada's Cyclically Adjusted FCF per Share too high?
Laurentian Bank of Canada's current Cyclically Adjusted FCF per Share is $8.53. Overall, Laurentian Bank of Canada has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Laurentian Bank of Canada's Cyclically Adjusted FCF per Share compare to PNC and USB?
Laurentian Bank of Canada's Cyclically Adjusted FCF per Share of $8.53 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Laurentian Bank of Canada and its competitors. Laurentian Bank of Canada's current Cyclically Adjusted FCF per Share is $8.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Laurentian Bank of Canada stock overvalued right now?
Based on GuruFocus' analysis, Laurentian Bank of Canada (LRCDF) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.54, compared to a current price of $28.61 — trading 46.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $8.53. Laurentian Bank of Canada's overall GF Score™ is 51/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Laurentian Bank of Canada (LRCDF), the current Cyclically Adjusted FCF per Share is $8.53 as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Laurentian Bank of Canada (LRCDF) Overvalued in 2026?

Based on GuruFocus' analysis, Laurentian Bank of Canada stock appears to be overvalued. The current stock price of $28.61 is trading 46.4% above its estimated GF Value™ of $19.54. GuruFocus considers Laurentian Bank of Canada to be Significantly Overvalued.

Key valuation signals for LRCDF:

  • Cyclically Adjusted FCF per Share: $8.53
  • GF Value™: $19.54 vs. price of $28.61 (46.4% above fair value)
  • GF Score™: 51/100 with 9 warning signs

No single metric tells the full story. See the LRCDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Laurentian Bank of Canada Business Description

Address 1360, Boulevard Rene-Levesque Ouest, Suite 600, Secretariat Corporatif, Montreal, QC, CAN, H3G 0E5
Laurentian Bank of Canada provides personal banking, business banking, and real estate and commercial financing services to its personal, business, and institutional customers across Canada and the United States. The company operates through two segments: the Personal and Commercial Banking segment, which offers a broad range of financial services and advice-based solutions for personal and commercial banking customers in Canada and the United States; and the Capital Markets segment, which provides services including research, market analysis, advisory services, corporate underwriting for debt and equity, and administrative support. The company operates in Canada and the United States, with the majority of its revenue generated from Canada.
51GF Score

Get the complete analysis for LRCDF

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.61
Price
$19.54
GF Value