Lakeland Bancorp, Inc. (LBAI) Stock Analysis
DELISTED 2024
What happened to Lakeland Bancorp, Inc. (LBAI) stock?
Lakeland Bancorp, Inc. (LBAI) no longer trades on public markets. It was delisted in May 2024. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Lakeland Bancorp, Inc. (LBAI) trades at $13.43. Lakeland Bancorp, Inc. operates as the holding company for Lakeland Bank, providing a range of banking products and services to individuals and businesses. Market cap: $875M, Sector: Financial services.
Last analyzed: May 10, 2026Analyst Coverage for LBAI: LBAI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates LBAI against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
LBAI: 1/2 scored disciplines lean bearish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Lakeland Bancorp, Inc. (LBAI) Financial Services Profile
Lakeland Bancorp, Inc., through Lakeland Bank, delivers commercial and consumer banking services, including lending, deposit accounts, and wealth management, primarily in New Jersey and the Hudson Valley. With a focus on small to medium-sized businesses and individuals, the company maintains a regional presence and offers online and mobile banking solutions.
What Is the Investment Thesis for LBAI?
Lakeland Bancorp presents a stable investment profile within the regional banking sector. The company's diversified revenue streams, encompassing commercial and consumer banking, alongside wealth management services, mitigate risk. A dividend yield of 4.32% offers an attractive income component. The company's P/E ratio of 10.3 suggests a reasonable valuation relative to earnings. Growth catalysts include expansion within the Hudson Valley region and increased adoption of digital banking services. However, potential risks include interest rate sensitivity and competition from larger national banks and fintech companies. Maintaining a profit margin of 28.8% demonstrates efficiency, but continued focus on cost management is crucial. Lakeland Bancorp's beta of 0.82 indicates lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
LBAI Key Highlights
Market capitalization of $875M, reflecting its position as a regional bank.
- P/E ratio of 10.3, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 28.8%, indicating strong profitability and efficient operations.
- Gross margin of 103.4%, reflecting a substantial difference between revenue and the cost of goods sold.
- Dividend yield of 4.32%, offering an attractive income stream for investors.
Who Are LBAI's Competitors?
LBAI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| TCBI Texas Capital Bancshares, Inc. | $98.04 | -0.16% | $4.26B | 90 |
| CFG Citizens Financial Group, Inc. | $69.71 | -1.48% | $29.5B | 84 |
| FCNCA First Citizens BancShares, Inc. | $2151.23 | -0.90% | $24.5B | 84 |
| CCBG Capital City Bank Group, Inc. | $51.40 | +0.80% | $880M | 94 |
| HAFC Hanmi Financial Corporation | $30.95 | -0.63% | $921M | 95 |
| THFF First Financial Corporation | $79.07 | +0.32% | $940M | 95 |
| MPB Mid Penn Bancorp, Inc. | $37.22 | +0.54% | $943M | 92 |
| FISI Financial Institutions, Inc. | $40.79 | -0.29% | $803M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LBAI's Key Strengths?
Strong regional presence in New Jersey and the Hudson Valley.
- Diversified revenue streams from commercial and consumer banking.
- Experienced management team.
- Attractive dividend yield.
What Are LBAI's Weaknesses?
Limited geographic diversification.
- Reliance on traditional banking services.
- Smaller size compared to national banks.
- Potential interest rate sensitivity.
What Could Drive LBAI Stock Higher?
Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Continued expansion of digital banking services to attract and retain customers.
- Strategic partnerships with local businesses to drive loan growth.
What Are the Key Risks for LBAI?
Financial-distress signal — its Altman Z-Score of -0.76 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in New Jersey and the Hudson Valley could negatively impact loan quality.
- Increased competition from larger national banks and fintech companies.
- Cybersecurity threats and data breaches could damage the bank's reputation and financial performance.
What Are the Growth Opportunities for LBAI?
- Expansion in the Hudson Valley: Lakeland Bancorp has an opportunity to expand its presence in the Hudson Valley region of New York. By increasing its commercial lending activities and attracting new customers in this area, the company can diversify its geographic footprint and revenue streams. The Hudson Valley region represents a market with growing businesses and a demand for community banking services. This expansion can be achieved through targeted marketing, strategic partnerships, and the opening of new branch locations or lending centers.
- Digital Banking Adoption: Lakeland Bancorp can drive growth by increasing the adoption of its digital banking services. As more customers prefer online and mobile banking, the company can invest in enhancing its digital platforms and offering a wider range of digital products. This includes improving the user experience, adding new features such as mobile check deposit and person-to-person payments, and promoting digital banking through marketing campaigns. Increased digital adoption can reduce operating costs and improve customer satisfaction.
- Wealth Management Services: Lakeland Bancorp can expand its wealth management services to generate additional revenue and attract high-net-worth clients. By offering comprehensive financial planning, investment advisory, and securities brokerage services, the company can cater to the needs of individuals and businesses seeking to grow and preserve their wealth. This expansion can be achieved through hiring experienced financial advisors, developing new wealth management products, and partnering with other financial institutions.
- SBA Lending: Lakeland Bancorp can increase its participation in Small Business Administration (SBA) lending programs. SBA loans provide financing to small businesses that may not qualify for conventional loans. By actively promoting SBA loans and streamlining the application process, the company can attract more small business customers and generate fee income. SBA lending also supports local economic development and strengthens the bank's relationships with the community.
- Strategic Acquisitions: Lakeland Bancorp can pursue strategic acquisitions of other community banks or financial institutions. Acquisitions can provide access to new markets, customers, and products. By carefully evaluating potential acquisition targets and integrating them effectively, the company can accelerate its growth and increase its market share. Strategic acquisitions can also create synergies and reduce operating costs.
What Are LBAI's Competitive Advantages?
- Strong regional presence in New Jersey and the Hudson Valley.
- Established relationships with local businesses and communities.
- Comprehensive suite of banking products and services.
- Experienced management team with local market knowledge.
What Does LBAI Do?
Lakeland Bancorp, Inc., established in 1969 and headquartered in Oak Ridge, New Jersey, functions as the bank holding company for Lakeland Bank. The bank provides a comprehensive suite of financial products and services tailored to individuals and small to medium-sized businesses. Lakeland Bank's commercial banking services encompass savings, money market, and time accounts, alongside demand deposits. Its lending activities include commercial real estate loans, commercial and industrial loans, short and medium-term loans, lines of credit, letters of credit, inventory and accounts receivable financing, real estate construction loans, residential mortgage loans, Small Business Administration (SBA) loans, and merchant credit card services. The bank also offers financing solutions to small and medium-sized companies, online and mobile banking, wire transfer services, and cash management services, including remote deposit capture and overnight sweep repurchase agreements. Consumer banking services include checking accounts, savings accounts, interest-bearing checking accounts, money market accounts, certificates of deposit, online banking, secured and unsecured loans, consumer installment loans, mortgage loans, and safe deposit services. Additionally, Lakeland Bank provides investment advisory services for individuals and businesses, securities brokerage services (including mutual funds and variable annuities), commercial title insurance services, and life insurance products. As of December 31, 2021, Lakeland Bank operated 48 branch offices across Bergen, Essex, Morris, Ocean, Passaic, Somerset, Sussex, and Union counties in New Jersey, as well as in Highland Mills, New York. The bank also maintains six New Jersey regional commercial lending centers and one New York commercial lending center serving the Hudson Valley region.
What Products and Services Does LBAI Offer?
- Provides commercial banking services to businesses.
- Offers consumer banking services to individuals.
- Provides commercial real estate loans.
- Offers commercial and industrial loans.
- Provides residential mortgage loans.
- Offers online and mobile banking services.
- Provides investment advisory services.
- Offers securities brokerage services.
How Does LBAI Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as online banking, wire transfers, and merchant credit card services.
- Provides investment advisory services for fees.
- Offers securities brokerage services for commissions.
What Industry Does LBAI Operate In?
Lakeland Bancorp operates within the competitive regional banking sector. The industry is characterized by increasing consolidation, technological disruption from fintech companies, and evolving regulatory requirements. Regional banks like Lakeland Bancorp face competition from larger national banks with greater resources and smaller, more agile fintech firms. The market is influenced by interest rate fluctuations, economic growth, and consumer confidence. Lakeland Bancorp's focus on serving small to medium-sized businesses and individuals in New Jersey and the Hudson Valley positions it within a specific niche of the broader banking market.
Who Are LBAI's Key Customers?
- Small to medium-sized businesses in New Jersey and the Hudson Valley.
- Individual consumers in New Jersey and the Hudson Valley.
- High-net-worth individuals seeking wealth management services.
- Small businesses seeking SBA loans.
Company Profile
Lakeland Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oak Ridge, US. The company is led by CEO Thomas J. Shara Jr.. LBAI has traded publicly since 1999.
Lakeland Bancorp, Inc. (LBAI) Valuation Context
Valued at $875M, LBAI is classified as a small-cap stock.
Key Financial Metrics
Return on equity for Lakeland Bancorp, Inc. stands at 7.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. LBAI trades at a trailing price-to-earnings ratio of 10.31, below the Financial Services sector average of ~18x. Its free cash flow yield is 12.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.19 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.7%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Lakeland Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.76 places it in the distress zone, a signal of elevated financial risk.
LBAI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that those closest to the business see potential upside.
- Community sentiment has shifted positively, with discussions highlighting Lakeland's strong regional presence and customer loyalty.
- Analysts are optimistic about the bank's ability to navigate current economic conditions, suggesting a robust risk management framework.
- Recent developments in local markets, including economic growth in their operating regions, may enhance lending opportunities for Lakeland.
Bear Case
- Concerns about rising interest rates have led some investors to question the bank's profitability and net interest margin outlook.
- Social sentiment has shown some skepticism regarding the bank's ability to maintain growth amid increasing competition in the regional banking sector.
- Some community members express worries about potential regulatory changes that could impact operational flexibility and profitability.
- Recent discussions indicate a cautious approach among investors, with some advocating for a wait-and-see strategy given the current economic climate.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
LBAI Latest News
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Earnings Scheduled For July 28, 2022
benzinga · Jul 28, 2022
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Earnings Scheduled For April 28, 2022
benzinga · Apr 28, 2022
Leadership: Thomas J. Shara Jr.
CEO
Thomas J. Shara Jr. serves as the CEO of Lakeland Bancorp, Inc. His career encompasses extensive experience in the banking and financial services sectors. He has held various leadership positions within Lakeland Bank, demonstrating a deep understanding of the company's operations and strategic direction. Shara's background includes expertise in commercial lending, retail banking, and wealth management. His leadership is focused on driving growth, enhancing customer experience, and maintaining a strong financial performance.
Track Record: Under Thomas J. Shara Jr.'s leadership, Lakeland Bancorp has focused on expanding its regional presence and enhancing its digital banking capabilities. Key achievements include increasing the bank's asset base and improving its efficiency ratio. Strategic decisions have involved investing in technology to enhance the customer experience and expanding into new markets within the Hudson Valley region. The company has also maintained a strong credit quality and a healthy capital position.
Common Questions About LBAI (Financial Services)
What happened to Lakeland Bancorp, Inc. (LBAI) stock?
Lakeland Bancorp, Inc. (LBAI) no longer trades on public markets. It was delisted in May 2024. The figures below are historical and are not a current quote.
Can I still buy LBAI shares?
No. LBAI stopped trading on public markets in May 2024, so the shares are not available through a broker. Anything you see quoted for LBAI elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before LBAI stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Lakeland Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Lakeland Bancorp, Inc. do?
Lakeland Bancorp, Inc., through its subsidiary Lakeland Bank, provides a range of banking and financial services to individuals and businesses primarily in New Jersey and the Hudson Valley region of New York. These services include commercial and consumer lending, deposit accounts, cash management, online and mobile banking, and wealth management.
What do analysts say about LBAI stock?
Analyst coverage of Lakeland Bancorp (LBAI) typically focuses on its regional banking performance, asset quality, and profitability. Key valuation metrics such as the P/E ratio and dividend yield are closely monitored. Growth considerations include the company's expansion strategies, digital banking initiatives, and ability to manage interest rate risk.
What are the main risks for LBAI?
Lakeland Bancorp faces several key risks, including credit risk associated with its loan portfolio, interest rate risk due to fluctuations in market interest rates, and operational risks related to cybersecurity and regulatory compliance. Economic conditions in New Jersey and the Hudson Valley region can also impact the bank's performance.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest reporting period.