# Laurentian Bank of Canada (LB.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Banks. Price C$40.62, market value C$1.8 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Laurentian Bank of Canada reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **PEG: 0.02**. A PEG of 0.02 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.1×**. Each dollar of revenue is priced at 1.1×.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -39.1%** (5-yr avg 11.6%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Net margin: 6.0%**. 6.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 4.9%**. 4.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: -0.0%**. Each dollar of assets produces -0.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -9.3%** (3-yr 9.7%/yr, 5-yr 6.5%/yr). Revenue fell 9.3% over the last year, against 6.5% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 792.7%** (3-yr -16.9%/yr, 5-yr 3.7%/yr). Earnings per share rose 792.7%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -25.9%/yr**. Free cash flow has compounded at -25.9% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: C$1.6 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.63%** (C$1.88 per share, trailing). Laurentian Bank of Canada yields 4.63%, an income-level yield.
- **Payout ratio: 63%**. 63% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 0.1%/yr** (1-yr 0.0%). The dividend has grown 0.1% a year over five years.
- **Shareholder yield: 3.7%**. Dividends plus net buybacks return 3.7% of the market value a year.

## Analyst view
- **Analyst consensus: hold** (2 analysts). 2 analysts cover Laurentian Bank of Canada; the consensus is hold, with an average price target of C$40.25 (-1% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 35.7%** (YTD 4.4%, 3-mo 2.0%). The shares are up 35.7% over twelve months including dividends.
- **From 52-week high: -0.4%** (30.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 74**. An RSI of 74 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.07** (volatility 20%). Beta of 0.07 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=LB.TO · Page: https://foliofundamentals.com/stocks/lb.to

Not investment advice.