LAKELAND BANCORP INC (LBAI) Stock Fundamental Analysis

NASDAQ:LBAI • US5116371007

13.43 USD
+0.15 (+1.13%)
At close: May 15, 2024
13.43 USD
0 (0%)
After Hours: 5/15/2024, 8:00:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall LBAI gets a fundamental rating of 3 out of 10. We evaluated LBAI against 381 industry peers in the Banks industry. Both the profitability and financial health of LBAI have multiple concerns. LBAI has a valuation in line with the averages, but it does not seem to be growing. LBAI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year LBAI was profitable.
  • In the past year LBAI had a positive cash flow from operations.
  • In the past 5 years LBAI has always been profitable.
  • Each year in the past 5 years LBAI had a positive operating cash flow.
LBAI Yearly Net Income VS EBIT VS OCF VS FCFLBAI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

1.2 Ratios

  • LBAI's Return On Assets of 0.76% is in line compared to the rest of the industry. LBAI outperforms 45.99% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.11%, LBAI is doing worse than 65.45% of the companies in the same industry.
Industry RankSector Rank
ROA 0.76%
ROE 7.11%
ROIC N/A
ROA(3y)0.96%
ROA(5y)0.93%
ROE(3y)9.36%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
LBAI Yearly ROA, ROE, ROICLBAI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 28.70%, LBAI is in the better half of the industry, outperforming 75.43% of the companies in the same industry.
  • In the last couple of years the Profit Margin of LBAI has declined.
  • The Operating Margin and Gross Margin are not available for LBAI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.7%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.04%
PM growth 5Y-3.13%
GM growth 3YN/A
GM growth 5YN/A
LBAI Yearly Profit, Operating, Gross MarginsLBAI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • LBAI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LBAI remains at a similar level compared to 1 year ago.
  • The debt/assets ratio for LBAI has been reduced compared to a year ago.
LBAI Yearly Shares OutstandingLBAI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
LBAI Yearly Total Debt VS Total AssetsLBAI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.2 Solvency

  • LBAI has a debt to FCF ratio of 8.02. This is a slightly negative value and a sign of low solvency as LBAI would need 8.02 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 8.02, LBAI is not doing good in the industry: 75.43% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.68 indicates that LBAI is somewhat dependend on debt financing.
  • LBAI has a worse Debt to Equity ratio (0.68) than 77.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF 8.02
Altman-Z N/A
ROIC/WACCN/A
WACC13.07%
LBAI Yearly LT Debt VS Equity VS FCFLBAI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LBAI Yearly Current Assets VS Current LiabilitesLBAI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • LBAI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.26%.
  • The Earnings Per Share has been decreasing by -1.06% on average over the past years.
  • Looking at the last year, LBAI shows a very negative growth in Revenue. The Revenue has decreased by -15.46% in the last year.
  • The Revenue has been growing by 9.39% on average over the past years. This is quite good.
EPS 1Y (TTM)-24.26%
EPS 3Y4.55%
EPS 5Y-1.06%
EPS Q2Q%0%
Revenue 1Y (TTM)-15.46%
Revenue growth 3Y9.33%
Revenue growth 5Y9.39%
Sales Q2Q%-17.32%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.66% on average over the next years.
  • The Revenue is expected to grow by 2.41% on average over the next years.
EPS Next Y-8.84%
EPS Next 2Y5.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.29%
Revenue Next 2Y2.41%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
LBAI Yearly Revenue VS EstimatesLBAI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
LBAI Yearly EPS VS EstimatesLBAI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.49, which indicates a very decent valuation of LBAI.
  • LBAI's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.16. LBAI is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.40, the valuation of LBAI can be described as reasonable.
  • LBAI's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.10, LBAI is valued rather cheaply.
Industry RankSector Rank
PE 10.49
Fwd PE 9.4
LBAI Price Earnings VS Forward Price EarningsLBAI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of LBAI is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 8.79
EV/EBITDA N/A
LBAI Per share dataLBAI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.66%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • LBAI has a Yearly Dividend Yield of 4.32%, which is a nice return.
  • LBAI's Dividend Yield is a higher than the industry average which is at 2.78.
  • LBAI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.32%

5.2 History

  • The dividend of LBAI has a limited annual growth rate of 5.26%.
  • LBAI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • LBAI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.26%
Div Incr Years13
Div Non Decr Years13
LBAI Yearly Dividends per shareLBAI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 45.41% of the earnings are spent on dividend by LBAI. This is a bit on the high side, but may be sustainable.
  • The dividend of LBAI is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP45.41%
EPS Next 2Y5.66%
EPS Next 3YN/A
LBAI Yearly Income VS Free CF VS DividendLBAI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
LBAI Dividend Payout.LBAI Dividend Payout, showing the Payout Ratio.LBAI Dividend Payout.PayoutRetained Earnings

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LAKELAND BANCORP INC

NASDAQ:LBAI (5/15/2024, 8:00:03 PM)

After market: 13.43 0 (0%)

13.43

+0.15 (+1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-19
Earnings (Next)07-25
Inst Owners12.01%
Inst Owner Change0%
Ins Owners3.05%
Ins Owner Change0%
Market Cap874.96M
Revenue(TTM)292.29M
Net Income(TTM)83.88M
Analysts45.71
Price Target14.36 (6.92%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.32%
Yearly Dividend0.59
Dividend Growth(5Y)5.26%
DP45.41%
Div Incr Years13
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.28%
Min EPS beat(2)-6.78%
Max EPS beat(2)9.34%
EPS beat(4)1
Avg EPS beat(4)-3.79%
Min EPS beat(4)-14.75%
Max EPS beat(4)9.34%
EPS beat(8)3
Avg EPS beat(8)-7.57%
EPS beat(12)6
Avg EPS beat(12)-4.3%
EPS beat(16)9
Avg EPS beat(16)-1.32%
Revenue beat(2)0
Avg Revenue beat(2)-5.21%
Min Revenue beat(2)-5.45%
Max Revenue beat(2)-4.96%
Revenue beat(4)0
Avg Revenue beat(4)-5.27%
Min Revenue beat(4)-5.8%
Max Revenue beat(4)-4.85%
Revenue beat(8)1
Avg Revenue beat(8)-4.09%
Revenue beat(12)1
Avg Revenue beat(12)-3.79%
Revenue beat(16)2
Avg Revenue beat(16)-3.3%
PT rev (1m)-8.16%
PT rev (3m)-8.16%
EPS NQ rev (1m)-1.89%
EPS NQ rev (3m)-1.89%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.3%
Revenue NQ rev (1m)-2.5%
Revenue NQ rev (3m)-2.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.98%
Valuation
Industry RankSector Rank
PE 10.49
Fwd PE 9.4
P/S 2.99
P/FCF 8.79
P/OCF 8.46
P/B 0.74
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)1.28
EY9.53%
EPS(NY)1.43
Fwd EY10.64%
FCF(TTM)1.53
FCFY11.37%
OCF(TTM)1.59
OCFY11.82%
SpS4.49
BVpS18.1
TBVpS13.83
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 7.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.7%
GM N/A
FCFM 34.05%
ROA(3y)0.96%
ROA(5y)0.93%
ROE(3y)9.36%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.04%
PM growth 5Y-3.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF 8.02
Debt/EBITDA N/A
Cap/Depr 51.31%
Cap/Sales 1.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.07%
ROIC/WACCN/A
Cap/Depr(3y)79.32%
Cap/Depr(5y)120.35%
Cap/Sales(3y)1.81%
Cap/Sales(5y)2.26%
Profit Quality(3y)113.11%
Profit Quality(5y)118.23%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.26%
EPS 3Y4.55%
EPS 5Y-1.06%
EPS Q2Q%0%
EPS Next Y-8.84%
EPS Next 2Y5.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.46%
Revenue growth 3Y9.33%
Revenue growth 5Y9.39%
Sales Q2Q%-17.32%
Revenue Next Year-7.29%
Revenue Next 2Y2.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.21%
FCF growth 3Y12.56%
FCF growth 5Y8.39%
OCF growth 1Y9.55%
OCF growth 3Y10.79%
OCF growth 5Y7.8%

LAKELAND BANCORP INC / LBAI FAQ

What is the ChartMill fundamental rating of LAKELAND BANCORP INC (LBAI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to LBAI.


Can you provide the valuation status for LAKELAND BANCORP INC?

ChartMill assigns a valuation rating of 4 / 10 to LAKELAND BANCORP INC (LBAI). This can be considered as Fairly Valued.


What is the profitability of LBAI stock?

LAKELAND BANCORP INC (LBAI) has a profitability rating of 3 / 10.


What are the PE and PB ratios of LAKELAND BANCORP INC (LBAI) stock?

The Price/Earnings (PE) ratio for LAKELAND BANCORP INC (LBAI) is 10.49 and the Price/Book (PB) ratio is 0.74.


How financially healthy is LAKELAND BANCORP INC?

The financial health rating of LAKELAND BANCORP INC (LBAI) is 1 / 10.