# Life & Banc Split Corp. (LBS-PA.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Capital Markets. Price C$10.93, market value C$563 million.

## Valuation
- **P/E (trailing): 2.1×** (5-yr avg 3.5×, 3-yr avg 3.5×). Life & Banc Split Corp. trades at 2.1× trailing earnings, well below its own five-year average of 3.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 1.9×**. Each dollar of revenue is priced at 1.9×.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 0.1%** (5-yr avg -12.5%). Free cash flow equals 0.1% of the market value, above its five-year average of -12.5%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 48.0%**. The inverse of the P/E: 48.0% of the price is earned each year.

## Profitability
- **Net margin: 99.6%**. 99.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 45.1%**. 45.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 25.1%**. Each dollar of assets produces 25.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 48.6%**. Revenue grew 48.6% over the last year.
- **EPS growth (1 yr): 55.3%**. Earnings per share rose 55.3%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Life & Banc Split Corp. does not currently pay a dividend, but it returned -0.2% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): 4.8%** (YTD 5.6%, 3-mo 2.8%). The shares are up 4.8% over twelve months including dividends.
- **From 52-week high: -4.6%** (4.4% 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): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.02** (volatility 6%). Beta of 0.02 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=LBS-PA.TO · Page: https://foliofundamentals.com/stocks/lbs-pa.to

Not investment advice.