13.43 USD
+0.15 (+1.13%)
13.43 USD
0 (0%)
LBAI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. LBAI may be in some trouble as it scores bad on both profitability and health. LBAI has a valuation in line with the averages, but it does not seem to be growing. LBAI also has an excellent dividend rating.
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.
- Each year in the past 5 years LBAI has been profitable.
- LBAI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- LBAI has a Return On Assets of 0.76%. This is comparable to the rest of the industry: LBAI outperforms 45.99% of its industry peers.
- LBAI has a worse Return On Equity (7.11%) than 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.
- LBAI's Profit Margin has declined in the last couple of years.
- 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.
- 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.
2.2 Solvency
- The Debt to FCF ratio of LBAI is 8.02, which is on the high side as it means it would take LBAI, 8.02 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of LBAI (8.02) is worse than 75.43% of its industry peers.
- LBAI has a Debt/Equity ratio of 0.68. This is a neutral value indicating LBAI is somewhat dependend on debt financing.
- LBAI's Debt to Equity ratio of 0.68 is on the low side compared to the rest of the industry. LBAI is outperformed by 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.
- LBAI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.06% yearly.
- Looking at the last year, LBAI shows a very negative growth in Revenue. The Revenue has decreased by -15.46% in the last year.
- 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.
- LBAI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.41% yearly.
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
- A Price/Earnings ratio of 10.49 indicates a reasonable valuation of LBAI.
- 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 27.21.
- A Price/Forward Earnings ratio of 9.40 indicates a reasonable valuation of LBAI.
- LBAI's Price/Forward Earnings is on the same level as the industry average.
- LBAI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.4 |
4.2 Price Multiples
- LBAI's Price/Free Cash Flow is on the same level as the industry average.
| 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.
- Compared to an average industry Dividend Yield of 2.65, LBAI pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.81, LBAI pays a better dividend.
| 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 paid a dividend for at least 10 years, which is a reliable track record.
- LBAI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.26%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
- LBAI pays out 45.41% of its income as dividend. 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
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.