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Life & Banc Split (LBS) AI Stock Analysis

TSE:LBS

Life & Banc Split

(TSX:LBS)

Select Model
Rating:67Neutral
Price Target:CAD 14.00â–²(6.87% Upside)
Action:downgraded
Date:09/25/26

The overall score balances a very attractive valuation—driven by an ultra-low P/E and high dividend yield—with strong reported profitability and equity growth on one hand, and chronic operating cash flow weakness plus leverage-related liquidity risks on the other, while technical trends point to a stable but not strongly momentum-driven uptrend.

Positive Factors
Recurring Portfolio IncomeThe portfolio is designed around common shares of a Canadian bank and life insurer, whose dividends provide a recurring income source. That cash can help fund expenses and distributions over the next several months, subject to portfolio income and fund policies.
Negative Factors
Persistent Negative Cash FlowNegative operating and free cash flow across 2021–2025 is a durable weakness because reported profitability has not consistently translated into cash generation. This can constrain self-funding for expenses, distributions, or obligations and increase reliance on balance-sheet flexibility.

Life & Banc Split (LBS) vs. iShares MSCI Canada ETF (EWC)

-20%0%20%40%60%80%TSE:LBS+70.86%EWC+24.02%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
CAD 581.58M
Dividend Yield
8.14%
Average Volume (3M)
107.03K
Price to Earnings (P/E)
1.5
Beta (1Y)
1.00
Revenue Growth
59.58%
EPS Growth
111.70%
Country
Canada
Employees
―
Sector
Financial
Sector Strength
68
Industry
Asset Management

Life & Banc Split Business Overview & Revenue Model

Company Description

Life & Banc Split Corp. is a closed-ended equity mutual fund, managed by Brompton Funds Limited, that primarily allocates its capital to the Canadian public stock markets. Its investment approach targets companies within the banking and life insuranc...

How the Company Makes Money

Life & Banc Split does not operate an operating business; it generates cash flows and economic returns primarily from its investment portfolio and pays expenses and distributions out of those portfolio returns. Its main sources of value and cash gene...

Life & Banc Split Financial Statement Overview

Summary

Strong profitability and high margins support equity growth, but persistently weak operating cash flow and elevated leverage create meaningful liquidity and balance sheet risk, yielding a mid-range score.

Income Statement

82Very Positive

Balance Sheet

68Positive

Cash Flow

35Negative
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue69.00M69.54M40.36M42.59M-44.28M157.62M
Gross Profit61.05M62.83M34.87M87.76M-48.48M153.74M
EBITDA551.72M305.23M204.29M87.28M-136.84K157.18M
Net Income511.74M270.33M165.35M58.04M-46.51M140.16M
Balance Sheet
Total Assets1.56B1.21B935.99M730.28M608.19M606.52M
Cash, Cash Equivalents and Short-Term Investments1.56B1.20B933.99M728.42M606.70M604.59M
Total Debt592.96M514.94M464.79M408.20M352.03M298.16M
Total Liabilities617.36M532.76M478.40M420.58M360.92M305.56M
Stockholders Equity947.23M672.71M457.59M309.70M247.27M300.96M
Cash Flow
Free Cash Flow-5.25M-2.12M-1.88M-59.86M-64.41M-16.90M
Operating Cash Flow-5.25M-2.12M-1.88M-59.86M-64.41M-16.90M
Investing Cash Flow000000
Financing Cash Flow66.26M-1.36M34.44M59.81M64.95M17.34M

Life & Banc Split Technical Analysis

Technical Analysis SentimentPositive
Last Price13.10

Price Trends

50DMA12.47Positive
100DMA12.63Positive
200DMA10.99Positive

Market Momentum

MACD0.16Negative
RSI61.84Neutral
STOCH62.65Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:LBS, the sentiment is Positive. The current price of 13.10 is above the 20-day moving average (MA) of 12.47, above the 50-day MA of 12.47, and above the 200-day MA of 10.99, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 61.84 is Neutral, neither overbought nor oversold. The STOCH value of 62.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:LBS.

Life & Banc Split Peers Comparison

Overall Rating

UnderperformOutperform
Sector (68)

Financial Indicators

TSE:LBS against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
TSE:QRCTSE:QRC79OutperformCAD 728.81M2.0447.52%2.69%33.16%―
TSE:PWITSE:PWI78OutperformCAD 52.11M3.0727.77%11.50%233.57%28.65%
TSE:RSTSE:RS70OutperformCAD 105.13M4.6917.87%18.82%95.81%37.32%
Sector *68Neutral$18.00B11.429.92%3.81%9.73%1.22%
TSE:LBSTSE:LBS67NeutralCAD 870.38M1.5363.18%8.14%59.58%111.70%
TSE:BNKTSE:BNK63NeutralCAD 28.27M1.5459.22%8.05%288.09%138.83%

* Financial Sector Average

Performance Comparison

0%25%50%75%TSE:LBSTSE:QRCTSE:RSTSE:BNKTSE:PWIDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
TSE:LBS and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
TSE:LBSLife & Banc Split Corp13.115.4671.33%
TSE:QRCQueen's Road Capital Investment Ltd.13.214.7255.65%
TSE:RSReal Estate & E-Commerce Split Corp. Class A8.290.384.83%
TSE:BNKBig Banc Split Corp.15.114.7245.47%
TSE:PWISustainable Power & Infrastructure Split Corp.10.170.454.66%

Life & Banc Split Corporate Events

Business Operations and StrategyDividends

Brompton Funds Announces New Distributions Across Split Share Lineup

Positive
Sep 23, 2026

Brompton Funds has declared new monthly distributions for class A shareholders and quarterly distributions for preferred shareholders across several of its split share funds, including Dividend Growth Split Corp., Global Dividend Growth Split Corp.,...

Business Operations and StrategyDividends

Brompton Funds Declares September Distributions for TSX-Listed Split Share Funds

Positive
Aug 24, 2026

Brompton Funds has declared regular cash distributions for class A shares of seven TSX-listed split share funds, including Dividend Growth Split Corp., Brompton Energy Split Corp., Global Dividend Growth Split Corp., Life & Banc Split Corp., Brom...

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Sep 25, 2026