LAKELAND BANCORP INC (LBAI) Stock Fundamental Analysis
USA - NASDAQ:LBAI - US5116371007 - Common Stock
13.43 USD
+0.15 (+1.13%)
13.43 USD
0 (0%)
Taking everything into account, LBAI scores 3 out of 10 in our fundamental rating. LBAI was compared to 388 industry peers in the Banks industry. LBAI may be in some trouble as it scores bad on both profitability and health. LBAI is valued correctly, but it does not seem to be growing. LBAI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
LBAI had positive earnings in the past year.
In the past year LBAI had a positive cash flow from operations.
LBAI had positive earnings in each of the past 5 years.
LBAI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
LBAI has a Return On Assets (0.76%) which is in line with its industry peers.
LBAI's Return On Equity of 7.11% is on the low side compared to the rest of the industry. LBAI is outperformed by 65.45% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of LBAI (28.70%) is better than 75.43% of its industry peers.
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 Rank | Sector 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
2. Health
2.1 Basic Checks
LBAI does not have a ROIC to compare to the WACC, probably because it is not profitable.
LBAI has about the same amout of shares outstanding than it did 1 year ago.
LBAI has more shares outstanding than it did 5 years ago.
LBAI has a better debt/assets ratio than last year.
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.
LBAI has a Debt to FCF ratio of 8.02. This is in the lower half of the industry: LBAI underperforms 75.43% of its industry peers.
A Debt/Equity ratio of 0.68 indicates that LBAI is somewhat dependend on debt financing.
LBAI has a Debt to Equity ratio of 0.68. This is in the lower half of the industry: LBAI underperforms 77.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 8.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for LBAI have decreased strongly by -24.26% in the last year.
The Earnings Per Share has been decreasing by -1.06% on average over the past years.
The Revenue for LBAI has decreased by -15.46% in the past year. This is quite bad
LBAI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.39% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
LBAI is valuated reasonably with a Price/Earnings ratio of 10.49.
The rest of the industry has a similar Price/Earnings ratio as LBAI.
LBAI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.51.
A Price/Forward Earnings ratio of 9.40 indicates a reasonable valuation of LBAI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LBAI is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 34.98. LBAI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.4 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.32%, LBAI is a good candidate for dividend investing.
LBAI's Dividend Yield is a higher than the industry average which is at 3.39.
LBAI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector 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
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
13.43
+0.15 (+1.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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.
What is the valuation status of LAKELAND BANCORP INC (LBAI) stock?
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 is the financial health of LAKELAND BANCORP INC (LBAI) stock?
The financial health rating of LAKELAND BANCORP INC (LBAI) is 1 / 10.
What is the expected EPS growth for LAKELAND BANCORP INC (LBAI) stock?
The Earnings per Share (EPS) of LAKELAND BANCORP INC (LBAI) is expected to decline by -8.84% in the next year.