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Laurentian Bank of Canada (LRCDF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Laurentian Bank of Canada $32.17, price $28.88, upside +11.4%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Broad data
Sep 24, 2026
Broad data
Sep 24, 2026
Laurentian Bank of Canada
LRCDF · USUndervaluedThe stock appears undervalued with acceptable quality.
✓Fair value $32.17 · Undervalued (+11.4%)
!Quality 51/100
!Mixed Growth (revenue 5y +6.5 %/yr)
!Thin margins · 3.2% net margin (TTM)
!High debt · generates free cash flow
✓6.5% dividend yield · Sustainable
!Narrow moat 22/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $12.52 – $29.61 · fair‑value band $24.13 – $40.22 · the $28.88 price screens below the $32.17 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
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.
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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.
Stock analysis
Laurentian Bank of Canada, (LRCDF) currently trades at $28.88, while our model-based Fair Value estimate is $32.17, implying the stock looks roughly 10.2% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $32.69 per share, and 3 of the 6 models we run sit above the $28.88 price.
Bear case: the Dividend Discount group reads lowest at $14.52, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $24.13 (bear) to $40.22 (bull), the price of $28.88 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Laurentian Bank of Canada, reported revenue of C$2.3B in FY2025 versus C$1.6B in FY2021, a compound +10.6%/yr. Reported net income was C$140M in FY2025, compounding +25.1%/yr from FY2021.
Key figures
Market cap $1.3B · P/E ratio 131.3 · P/S ratio 7.84 · EPS (TTM) $0.2200 · Dividend yield 6.5% · Net margin 6.0% · Return on equity 1.0% · Return on assets (EBIT) 0.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 2% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 11%, LRCDF screens cheaper than that median.
Fair Value models
Bear $24.13
Fair Value $32.17
Bull $40.22
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
$32.83
$32.69
$33.89
76
Gordon GGM
$10.73
$15.20
$19.34
69
DDM Multi-Stage
$10.73
$14.52
$18.30
67
All 6 models by family
Dividend Discount
Gordon GGM
$10.73
$15.20
$19.34
69
DDM Multi-Stage
$10.73
$14.52
$18.30
67
Multiples
P/E Multiple
$21.41
$28.55
$35.69
63
P/B Multiple
$28.00
$37.34
$46.67
55
Asset-Based
NCAV (Graham)
$22.62
$30.32
$45.25
54
Economic Profit
Residual Income
$32.83
$32.69
$33.89
76
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Set up alert →Quality Score breakdown
Overall quality
51/100
Of which business quality 50 · Market factors (momentum, volatility) 70
Profitability
17
Margins and returns on capital today
Quality Growth
56
Are margins and returns improving?
Cashflow
79
Earnings quality: real cash, not paper profit
Fin. Strength
9
Balance sheet, leverage, solvency risk
Investment
98
Disciplined investing over empire-building
Low Volatility
60
Calm price path (market factor)
Momentum
61
Price trend over the last 3–12 months (market factor)
52W Momentum
95
Distance to the 52-week high (market factor)
Net Issuance
76
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
66/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−9.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.5%
Start year 2020 (pandemic). Over 10 years: +5.0% a year
Revenue growth 29 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.6%
’14
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’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.6%
Dividend (yield on the price)6.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.3.6% vs −4.2%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 7%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+33.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CAD, Canada: IMF forecast 2.1% a year to 2030, 2.6% from 2016 to 2025) that is about +30.4% a year for the price.
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Frequently asked questions
Is Laurentian Bank of Canada (LRCDF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $32.17 versus a price of $28.88, about +11% upside (undervalued).
What is the fair value of LRCDF?
Our model-based fair value for Laurentian Bank of Canada, is $32.17 (as of Sep 24, 2026), built from audited fundamentals. The current price: $28.88.
What is the quality score of LRCDF?
Laurentian Bank of Canada, has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Laurentian Bank of Canada (LRCDF)?
Our model-based price target is the fair value of $32.17 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $24.13, optimistic scenario $40.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Laurentian Bank of Canada, stock forecast for 2026?
Our models put fair value at $32.17, about +11% upside versus a price of $28.88 (undervalued). Cautious scenario $24.13, optimistic scenario $40.22. The calculation is refreshed regularly with new filings.
What is the revenue of Laurentian Bank of Canada (LRCDF)?
Laurentian Bank of Canada, reported trailing-twelve-month revenue of about C$884M (latest available figure, as of Sep 24, 2026).
Does Laurentian Bank of Canada, pay a dividend?
Laurentian Bank of Canada, currently shows a dividend yield of about 6.51% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Laurentian Bank of Canada (LRCDF)?
For today's price to be fair in a discounted-cash-flow model, Laurentian Bank of Canada, would have to grow free cash flow by +33.2 % per year for five years (discount rate 11.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of LRCDF use?
Our models discount Laurentian Bank of Canada, at 11.7 %: a base by market capitalisation (small), damped by beta 1.18, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Laurentian Bank of Canada, that is +33.2 % per year a year over ten years, using the same discount rate (11.7 %) and the same formula as our fair value.
How much growth has Laurentian Bank of Canada (LRCDF) delivered so far?
Over the past 5 years revenue at Laurentian Bank of Canada, grew +6.5 % a year. The price currently implies +33.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Laurentian Bank of Canada (LRCDF) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Laurentian Bank of Canada, (+33.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Laurentian Bank of Canada (LRCDF)?
The free-cash-flow yield on the price is 18.85 %: that much free cash flow Laurentian Bank of Canada, produces per unit of market value. When it exceeds the discount rate of our models (11.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Laurentian Bank of Canada (LRCDF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Laurentian Bank of Canada, it is $32.17 per share (as of Sep 24, 2026), against a price of $28.88. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Laurentian Bank of Canada, stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LRCDF trades below its calculated fair value: price $28.88, fair value $32.17, a gap of about +11% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LRCDF?
No. The price is what the market pays today ($28.88); the fair value is what the company's own numbers justify ($32.17). For Laurentian Bank of Canada, the two are $3.29 per share apart. That gap is exactly why we show both numbers side by side.
How much is Laurentian Bank of Canada, worth?
The market values Laurentian Bank of Canada, at about $1.3B (market capitalisation, as of Sep 24, 2026). Per share that is $28.88; our models calculate a fair value of $32.17 per share.
What do the bullish and bearish scenarios say about LRCDF?
Our models span a range for Laurentian Bank of Canada,: cautious scenario $24.13, base $32.17, optimistic $40.22 per share (as of Sep 24, 2026, price $28.88). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is LRCDF from its 52-week high?
Laurentian Bank of Canada, trades at $28.88, about 2% below its 52-week high of $29.61 and 29% above the low of $22.42 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $32.17 is for.
Which stocks are comparable to Laurentian Bank of Canada,?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Laurentian Bank of Canada, stock attractive at the current price?
The data as of Sep 24, 2026: price $28.88, calculated fair value $32.17 (+11%), Quality Score 51/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LRCDF calculated?
We run Laurentian Bank of Canada, through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $32.17, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Laurentian Bank of Canada, currently trades 10 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Laurentian Bank of Canada (LRCDF)?
The closing price on Oct 2, 2026 was $28.88. Our model-based fair value is $32.17, about +11% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Laurentian Bank of Canada, right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of Laurentian Bank of Canada (LRCDF) come from?
Earnings per share at Laurentian Bank of Canada, grew −2.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.4 %, EBIT margin −4.5 %, tax rate +0.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Laurentian Bank of Canada,
How large is the market capitalisation of Laurentian Bank of Canada (LRCDF)?
The market capitalisation of Laurentian Bank of Canada, is $1.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Laurentian Bank of Canada (LRCDF)?
The price-to-earnings ratio of Laurentian Bank of Canada, is 131.3. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Laurentian Bank of Canada (LRCDF)?
The price-to-sales ratio of Laurentian Bank of Canada, is 7.84 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Laurentian Bank of Canada (LRCDF)?
Earnings per share at Laurentian Bank of Canada, are $0.2200 (price ÷ EPS = P/E 131.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Laurentian Bank of Canada (LRCDF)?
The dividend yield of Laurentian Bank of Canada, is 6.5%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Laurentian Bank of Canada (LRCDF)?
The net margin of Laurentian Bank of Canada, is 6.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Laurentian Bank of Canada (LRCDF)?
The return on equity (ROE) of Laurentian Bank of Canada, is 1.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Laurentian Bank of Canada (LRCDF)?
On an EBIT basis the return on assets of Laurentian Bank of Canada, is 0.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Laurentian Bank of Canada (LRCDF)?
The operating margin of Laurentian Bank of Canada, is −0.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Laurentian Bank of Canada (LRCDF)?
Revenue at Laurentian Bank of Canada, is growing −17.3% versus a year earlier (3y avg +9.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Laurentian Bank of Canada (LRCDF)?
Earnings per share at Laurentian Bank of Canada, are growing −24.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Laurentian Bank of Canada (LRCDF) carry?
The net debt of Laurentian Bank of Canada, is C$18.1B (fiscal year 2025, ≈ 53.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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