Laurentian Bank (LT7) Stock Price & Analysis
LT7 Stock Chart & Stats
- Day’s Range
- EUR 25.40 - EUR 26.00
- 52-Week Range
- EUR 19.80 - EUR 26.00
- Previous Close
- EUR 25.40
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 1.15B
- Enterprise Value
- EUR 21.60B
- Total Cash (Recent Filing)
- EUR 73.25M
- Total Debt (Recent Filing)
- EUR 19.74B
- Price to Earnings (P/E)
- ―
- Beta
- 0.11
- Next Earnings
- Dec 04, 2026 (Est.)
- EPS Estimate
- 0.46
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.53%
Bulls Say, Bears Say
Bulls Say
Diversified Traditional Banking Model
Laurentian’s lending, deposit, and fee-based activities provide multiple recurring revenue streams. This established banking model can support earnings resilience over the medium term when credit quality and funding costs remain controlled.
Demonstrated Ability To Generate Profits
Although current earnings have weakened, prior profitable periods show that the franchise can produce positive returns under stronger operating conditions. This provides a foundation for recovery if margins and credit performance stabilize.
Broadly Stable Asset Base
A relatively stable asset base suggests the bank retains an established operating platform and lending footprint. This continuity can support revenue normalization without requiring rapid balance-sheet expansion or major structural investment.
Bears Say
Deteriorating Profitability
The move from healthy prior-year profitability to a TTM loss indicates weaker earnings resilience. Compressed margins and negative operating profit could limit capital formation and reduce the bank’s ability to absorb future operating or credit pressures.
Unreliable Internal Cash Generation
Repeated periods of negative operating and free cash flow indicate inconsistent internal funding capacity. Although cash flow was positive in 2024–2025, the latest reversal raises concern about earnings quality, liquidity flexibility, and sustainable capital generation.
High Leverage And Declining Equity
Elevated and rising leverage leaves less balance-sheet flexibility when profitability weakens. Declining equity and very low TTM returns on equity may constrain capital resilience, reduce strategic options, and heighten sensitivity to credit or funding stress.
LT7 FAQ
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Laurentian Bank Stock Smart Score
Company Description
Laurentian Bank
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Eric Provost
- Employees
- 2,682
- Website
- www.laurentianbank.ca
- Address
- 1360 René-Lévesque Blvd West, Montréal, QC, H3G 0E5, CA
Laurentian Bank (LT7) Earnings & Revenues
LT7 Earnings Call
Earnings Call SentimentNeutral
The call reflects a mix of operational progress and near-term headwinds. Positive fundamentals include solid loan growth (4%), strong commercial momentum (inventory financing +7% QoQ, commercial mix at 51%), improved asset quality (gross impaired loans down 19%), and modest revenue and NII growth (+1% and +5% YoY respectively). Offsetting these positives are large transaction-related charges ($54.7M after tax in Q1 and an expected ~$40M in Q2), a reported net loss and compressed adjusted EPS (down 17% YoY), higher expenses and a decline in CET1 to 10.9%. Given balanced and material positives and negatives, the overall tone is cautious but constructive as management executes its transformation and transaction activity.
View all DE:LT7 earnings summariesLT7 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 3 | 4 |
| Technical Analysis | 4 | 3 | 3 |
| Moving Averages | 11 | 0 | 1 |
