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Laurentian Bank Of Canada

Laurentian Bank Of Canada

LB · TO · Financial Services / Banks - Regional

40.49CAD+0.01 (+0.02%)

Price History

Full chart

Market Stats

Previous Close40.48
Open40.48
Day Range40.48 – 40.49
52-Week Range30.24 – 40.34
Volume209.73K
Market Cap1.81B
P/E (TTM)0.00
Forward P/E15.27
EPS-0.49
Dividend Yield4.67%
Beta1.18
50-Day Avg40.45
200-Day Avg40.26

About

Laurentian Bank of Canada, together with its subsidiaries, provides various financial services to personal, commercial, and institutional customers in Canada and the United States. It operates through Personal and Commercial Banking, and the Capital Markets segments. The company offers chequing, current, business, savings, day by day US dollar, youth, and senior accounts; personal and student line of credit; personal, student, RRSP, and term loans; fixed and variable rate mortgage; equity line of credit; commercial lending; revolving credit; financing solutions; and mortgage and loan insurance. It also provides international services; and guaranteed investment certificates, term deposits, mutual funds, and other registered plans. In addition, the company offers government tax returns and remittance, banking transactions, ATMs, and operations managements solutions; and payment services, such as interac e-transfer, wire transfers, electronic funds transfers, and deposit box. The company was founded in 1846 and is headquartered in Montreal, Canada.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Eric Provost
  • Employees2.53K
  • Headquarters1360 René-Lévesque Blvd West, Montreal, QC, Canada, H3G 0E5, Canada
  • Websitehttps://www.laurentianbank.ca

Leadership

  • Mr. Eric ProvostPresident, CEO & Director · b. 1975
  • Mr. Yvan Deschamps CPA, CGAChief Financial Officer
  • Mr. Thierry LangevinChief of Personal & Commercial Banking
  • Mr. Christian De Broux LL.B, MBAChief Risk Officer
  • Mr. Daniel RadleyChief Executive Officer of Northpoint Commercial Finance
  • Mr. Benoit BertrandChief Information Officer
  • Ms. Anna Dell'ApiGeneral Counsel & Corporate Secretary
  • Ms. Macha PohuChief Human Resources Officer & Corporate Affairs
  • Ms. Sophie BoucherSenior VP and Head of Personal Banking & Small-Medium Enterprises (SME)
  • Ms. Marie-Christine CusteauChief Strategy & Transformation Officer

Financials

Income Statement

Currency: CAD1996-10-311997-10-311998-10-311999-10-312000-10-312001-10-312002-10-312003-10-312004-10-312005-10-312006-10-312007-10-312008-10-312009-10-312010-10-312011-10-312012-10-312013-10-312014-10-312015-10-312016-10-312017-10-312018-10-312019-10-312020-10-312021-10-312022-10-312023-10-312024-10-312025-10-31
Total Revenue1.11B1.01B965.20M1.01B1.15B1.38B1.33B1.30B997.09M926.57M1.02B1.10B1.18B1.17B1.17B1.31B1.39B1.46B1.43B1.44B1.47B1.61B1.83B1.84B1.71B1.56B1.78B2.55B2.58B2.34B
Growth (%)--9.58%-4.04%+4.25%+14.14%+20.18%-3.56%-2.38%-23.27%-7.07%+10.06%+8.13%+7.03%-0.45%-0.70%+12.53%+5.99%+5.10%-1.92%+0.33%+1.89%+10.08%+13.29%+0.56%-6.94%-8.62%+13.55%+43.77%+1.22%-9.31%
Cost of Revenue684.80M543.20M517.50M563.00M657.76M749.43M730.65M669.45M523.13M464.51M519.97M558.69M598.19M564.31M518.80M650.10M653.54M657.39M626.24M600.98M610.59M654.46M828.87M914.37M856.13M610.47M797.90M1.59B1.64B1.42B
Gross Profit427.60M462.60M447.70M443.20M490.67M630.80M600.42M629.95M473.96M462.06M499.81M543.99M581.98M610.50M647.75M662.60M737.83M804.90M807.92M837.87M855.50M959.41M999.41M924.11M854.71M952.96M977.36M963.90M942.70M921.76M
Gross Margin38.44%45.99%46.38%44.05%42.73%45.70%45.11%48.48%47.53%49.87%49.01%49.33%49.31%51.97%55.53%50.48%53.03%55.04%56.33%58.23%58.35%59.45%54.66%50.26%49.96%60.95%55.05%37.77%36.49%39.34%
Operating Expense347.40M377.60M349.10M360.80M377.89M481.12M523.65M499.42M411.63M381.95M410.81M427.47M445.99M471.99M482.54M505.44M554.86M654.07M626.82M704.47M658.14M692.74M719.08M727.95M734.42M880.36M701.66M753.49M964.91M749.22M
Operating Income80.20M85.00M98.60M82.40M112.78M149.68M76.77M130.53M62.32M80.11M88.99M116.52M135.99M138.51M165.21M157.16M182.97M150.83M181.10M133.40M197.36M266.67M280.33M196.16M120.28M72.59M275.70M210.41M-22.21M172.55M
Operating Margin7.21%8.45%10.22%8.19%9.82%10.84%5.77%10.05%6.25%8.65%8.73%10.57%11.52%11.79%14.16%11.97%13.15%10.31%12.63%9.27%13.46%16.52%15.33%10.67%7.03%4.64%15.53%8.24%-0.86%7.36%
EBITDA102.00M110.80M125.70M113.30M147.61M192.77M116.84M173.67M98.08M109.82M116.19M145.13M167.08M172.11M202.42M197.16M230.01M205.77M236.72M186.19M235.93M303.17M322.36M242.76M185.93M134.11M328.18M270.39M35.48M218.85M
EBITDA Margin9.17%11.02%13.02%11.26%12.85%13.97%8.78%13.37%9.84%11.85%11.39%13.16%14.16%14.65%17.35%15.02%16.53%14.07%16.51%12.94%16.09%18.79%17.63%13.20%10.87%8.58%18.49%10.59%1.37%9.34%
Net Income54.20M60.00M68.30M57.60M81.66M90.70M44.34M91.87M47.77M65.28M70.33M94.55M102.53M113.13M122.94M123.72M140.51M119.48M140.37M102.47M151.91M206.46M224.65M172.71M114.08M57.07M226.58M181.09M-5.50M139.87M
Net Income Margin4.87%5.97%7.08%5.72%7.11%6.57%3.33%7.07%4.79%7.05%6.90%8.57%8.69%9.63%10.54%9.42%10.10%8.17%9.79%7.12%10.36%12.79%12.29%9.39%6.67%3.65%12.76%7.09%-0.21%5.97%
Interest Expense651.30M513.20M493.50M544.30M632.76M714.43M619.65M615.45M483.13M424.51M479.97M518.69M549.69M508.31M450.80M599.02M620.54M621.39M584.24M566.08M577.24M617.46M784.87M869.97M739.83M560.97M741.02M1.53B1.58B1.36B
Interest Expense % of Total Revenue58.55%51.02%51.13%54.09%55.10%51.76%46.55%47.36%48.45%45.81%47.07%47.04%46.58%43.27%38.64%45.63%44.60%42.49%40.74%39.34%39.37%38.26%42.93%47.32%43.24%35.88%41.74%59.82%61.13%58.05%

Balance Sheet

Currency: CAD1996-10-311997-10-311998-10-311999-10-312000-10-312001-10-312002-10-312003-10-312004-10-312005-10-312006-10-312007-10-312008-10-312009-10-312010-10-312011-10-312012-10-312013-10-312014-10-312015-10-312016-10-312017-10-312018-10-312019-10-312020-10-312021-10-312022-10-312023-10-312024-10-312025-10-31
Total Assets12.47B13.42B13.30B13.64B14.74B17.70B18.60B16.74B16.61B16.51B17.30B17.79B19.58B22.16B27.06B28.96B34.94B33.91B36.48B39.66B43.01B46.68B45.89B44.35B44.17B45.08B50.72B49.89B47.40B50.15B
Total Liabilities11.94B12.86B12.71B13.03B14.08B16.87B17.73B15.82B15.72B15.59B16.35B16.78B18.50B20.99B25.92B27.74B33.40B32.48B34.94B38.07B41.03B44.35B43.40B41.79B41.56B42.44B47.94B47.03B44.57B47.27B
Total Equity531.30M561.00M589.40M613.40M662.17M779.73M822.37M873.31M886.75M913.24M946.42M1.00B1.08B1.17B1.14B1.22B1.54B1.43B1.54B1.59B1.97B2.33B2.50B2.57B2.61B2.64B2.78B2.86B2.83B2.88B
Cash275.70M332.20M376.60M113.00M251.03M184.35M433.70M722.92M328.43M498.45M282.07M509.03M297.19M360.90M287.55M495.96M694.91M356.07M422.95M569.46M345.36M459.94M903.94M803.89M870.16M849.08M2.06B1.41B1.51B1.35B
Total Debt527.40M1.95B2.17B1.99B966.10M1.28B1.71B1.54B1.76B210.06M1.25B1.95B2.11B150.00M5.06B6.51B6.48B5.76B7.53B10.04B12.60B13.76B13.54B14.96B15.59B16.80B17.97B18.35B19.26B19.50B
Net Debt251.70M1.62B1.79B1.88B715.06M1.09B1.28B819.99M1.43B-288.39M968.31M1.44B1.81B-210.90M4.77B6.02B5.79B5.40B7.10B5.37B7.10B8.12B10.83B14.15B14.72B15.95B15.91B16.94B17.74B18.14B

Cash Flow

Currency: CAD1996-10-311997-10-311998-10-311999-10-312000-10-312001-10-312002-10-312003-10-312004-10-312005-10-312006-10-312007-10-312008-10-312009-10-312010-10-312011-10-312012-10-312013-10-312014-10-312015-10-312016-10-312017-10-312018-10-312019-10-312020-10-312021-10-312022-10-312023-10-312024-10-312025-10-31
Operating Cash Flow76.40M74.50M164.40M-144.30M387.92M41.11M-224.95M133.96M222.66M-39.98M-330.68M467.34M122.72M-148.09M331.05M-1.02B-263.26M-1.15B622.87M540.95M1.45B1.05B-397.34M-270.10M698.68M93.66M903.98M-580.18M198.78M381.73M
Investing Cash Flow257.50M-875.50M-8.10M-111.40M608.11M-1.55B-468.94M-105.14M-47.81M128.89M-407.38M-843.33M-1.70B-2.15B-1.73B-277.98M-554.47M2.29B-514.34M-485.50M-1.46B-1.37B448.29M347.76M-599.87M-16.61M-759.03M665.23M-61.45M-286.72M
Financing Cash Flow-955.10M1.08B-183.10M217.40M-969.19M1.50B791.92M-5.71M-199.21M-78.85M751.23M370.32M1.57B2.31B1.41B1.31B826.99M-1.16B-65.12M-72.64M32.39M303.57M-49.60M-102.42M-123.25M-73.76M-147.80M-97.08M-114.48M-94.24M
Capital Expenditure53.90M39.40M34.40M31.00M36.37M39.77M33.59M11.23M18.02M29.16M43.00M54.48M37.56M38.19M46.56M58.27M77.32M96.70M64.49M14.62M43.55M101.92M160.97M68.61M41.20M28.11M63.05M38.70M37.02M39.89M
Free Cash Flow22.50M35.10M130.00M-175.30M351.55M1.33M-258.55M122.73M204.65M-69.15M-373.68M412.86M85.16M-186.28M284.49M-1.08B-340.58M-1.24B558.38M526.33M1.40B945.59M-558.31M-338.71M657.48M65.56M840.93M-618.88M161.76M341.84M
Dividends Paid27.70M30.30M31.70M31.90M32.88M37.63M41.91M42.82M42.51M39.32M39.12M39.44M42.81M44.57M46.57M51.19M59.98M54.51M60.80M73.03M55.21M75.22M88.72M102.43M106.29M52.70M99.34M83.08M85.47M87.95M
FCF to OCF29.45%47.11%79.08%121.48%90.62%3.24%114.93%91.62%91.91%172.94%113.00%88.34%69.40%125.79%85.93%105.69%129.37%108.44%89.65%97.30%96.99%90.27%140.51%125.40%94.10%69.99%93.03%106.67%81.38%89.55%
Dividend Paid to FCF123.11%86.32%24.38%-18.20%9.35%2822.81%-16.21%34.89%20.77%-56.86%-10.47%9.55%50.27%-23.93%16.37%-4.73%-17.61%-4.39%10.89%13.87%3.94%7.95%-15.89%-30.24%16.17%80.39%11.81%-13.42%52.84%25.73%

Earnings

Report DateDec 1, 1995Feb 28, 1996May 30, 1996Aug 29, 1996Nov 29, 1996Mar 3, 1997May 30, 1997Aug 29, 1997Dec 4, 1997Mar 2, 1998Aug 27, 1998Dec 3, 1998Mar 2, 1999May 26, 1999Aug 26, 1999Dec 2, 1999Mar 6, 2000May 31, 2000Aug 29, 2000Dec 4, 2000Mar 1, 2001May 30, 2001Aug 29, 2001Dec 4, 2001Feb 28, 2002May 30, 2002Aug 29, 2002Dec 4, 2002Feb 27, 2003May 29, 2003Aug 28, 2003Dec 3, 2003Feb 26, 2004May 27, 2004Aug 26, 2004Dec 8, 2004Feb 25, 2005May 27, 2005Aug 26, 2005Dec 9, 2005Feb 28, 2006Jun 2, 2006Sep 6, 2006Dec 12, 2006Feb 27, 2007Jun 1, 2007Sep 6, 2007Dec 4, 2007Feb 27, 2008May 28, 2008Sep 5, 2008Dec 5, 2008Mar 4, 2009May 27, 2009Sep 3, 2009Dec 9, 2009Mar 3, 2010May 26, 2010Sep 2, 2010Dec 8, 2010Mar 9, 2011Jun 2, 2011Sep 2, 2011Dec 7, 2011Mar 7, 2012Jun 6, 2012Aug 31, 2012Dec 5, 2012Mar 6, 2013Jun 5, 2013Aug 30, 2013Dec 11, 2013Mar 5, 2014Jun 4, 2014Aug 28, 2014Dec 10, 2014Feb 26, 2015Jun 3, 2015Sep 2, 2015Dec 9, 2015Feb 25, 2016Jun 1, 2016Aug 31, 2016Dec 6, 2016Feb 28, 2017May 30, 2017Aug 29, 2017Dec 5, 2017Feb 28, 2018Jun 1, 2018Sep 4, 2018Dec 5, 2018Feb 27, 2019May 30, 2019Aug 29, 2019Dec 4, 2019Feb 28, 2020May 29, 2020Sep 4, 2020Dec 4, 2020Mar 3, 2021Jun 2, 2021Sep 1, 2021Dec 10, 2021Mar 2, 2022Jun 1, 2022Aug 31, 2022Dec 9, 2022Feb 28, 2023Jun 1, 2023Aug 31, 2023Dec 7, 2023Feb 29, 2024May 31, 2024Aug 30, 2024Dec 6, 2024Feb 28, 2025May 30, 2025Aug 29, 2025Dec 5, 2025Feb 27, 2026May 29, 2026Aug 27, 2026Dec 4, 2026
EPS Estimate0.480.510.500.540.590.650.610.640.650.700.640.710.760.690.550.530.570.560.720.690.760.800.840.870.91-0.930.850.810.630.420.460.450.280.390.390.310.290.320.370.480.540.530.560.650.640.630.740.820.820.800.860.950.990.820.871.091.091.071.131.151.221.151.211.221.271.191.251.361.261.241.331.311.291.241.401.411.381.301.431.461.431.371.401.431.421.381.491.551.541.381.451.261.291.071.161.161.080.380.470.730.740.891.060.921.201.151.251.241.151.111.161.160.940.870.860.840.790.690.720.780.700.640.560.72
EPS Actual0.410.520.530.560.620.670.560.650.670.730.720.740.700.430.460.510.570.700.780.840.890.880.880.920.90-0.950.780.520.700.320.500.420.370.340.170.460.380.340.520.610.580.460.600.650.740.680.850.810.910.931.091.130.910.761.080.991.211.061.131.241.271.131.341.311.241.311.271.171.341.291.311.141.291.291.351.391.321.381.481.441.391.461.371.471.431.391.631.631.491.471.341.220.981.081.151.050.790.201.020.911.031.231.251.061.261.391.241.311.151.161.221.000.910.900.880.880.780.730.780.730.650.460.51-
Surprise-14.58%1.96%6.00%3.70%5.08%3.08%-8.20%1.56%3.08%4.29%12.50%4.23%-7.89%-37.68%-16.36%-3.77%0.00%25.00%8.33%21.74%17.11%10.00%4.76%5.75%-1.10%-2.15%-8.24%-35.80%11.11%-23.81%8.70%-6.67%32.14%-12.82%-56.41%48.39%31.03%6.25%40.54%27.08%7.41%-13.21%7.14%0.00%15.63%7.94%14.86%-1.22%10.98%16.25%26.74%18.95%-8.08%-7.32%24.14%-9.17%11.01%-0.93%0.00%7.83%4.10%-1.74%10.74%7.38%-2.36%10.08%1.60%-13.97%6.35%4.03%-1.50%-12.98%0.00%4.03%-3.57%-1.42%-4.35%6.15%3.50%-1.37%-2.80%6.57%-2.14%2.80%0.70%0.72%9.40%5.16%-3.25%6.52%-7.59%-3.17%-24.03%0.93%-0.86%-9.48%-26.85%-47.37%117.02%24.66%39.19%38.20%17.92%15.22%5.00%20.87%-0.80%5.65%0.00%4.50%5.17%-13.79%-3.19%3.45%2.33%4.76%-1.27%5.80%8.33%-6.41%-7.14%-28.13%-8.93%-
Timing-----Pre-marketPre-marketPre-marketPre-market-----------After-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-market

Key Statistics & Ratios

Market Cap1.81B
Enterprise Value11.21B
Trailing P/E0.00
Forward P/E15.27
PEG Ratio1.88
Price / Sales2.09
Price / Book0.69
EPS-0.49
Book Value58.53
Revenue (TTM)864.67M
Gross Profit (TTM)864.67M
Profit Margin-0.93%
Operating Margin11.00%
Return on Equity-0.29%
Return on Assets-0.02%
Shares Outstanding44.86M
Shares Float41.28M
Beta1.18
Dividend Yield4.67%
Dividend Rate1.88
Payout Ratio80.00%

Dividends

20264×
0.47Oct 1, 20260.47Jun 30, 20260.47Apr 1, 20260.47Jan 5, 2026
20254×
0.47Oct 1, 20250.47Jun 30, 20250.47Apr 1, 20250.47Jan 3, 2025
20245×
0.10Dec 5, 20240.47Oct 1, 20240.47Jul 2, 20240.47Mar 28, 20240.47Jan 2, 2024
20233×
0.47Sep 28, 20230.47Jun 30, 20230.46Mar 31, 2023
20224×
0.46Dec 30, 20220.45Sep 29, 20220.45Jun 30, 20220.44Mar 31, 2022
20214×
0.44Dec 31, 20210.40Sep 29, 20210.40Jun 30, 20210.40Mar 31, 2021

Stock Splits

  • May 31, 20002:1
  • Jun 20, 19902:1
  • Jun 24, 19863:2
  • Jun 26, 19852:1
  • Jun 14, 19832:1
  • Nov 23, 19822:1
  • May 22, 19783:2