Laurentian Bank of Canada (LRCDF) Stock Analysis
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.
Laurentian Bank of Canada (LRCDF) trades at $28.88 with AI Score 44/100 (Grade C). Laurentian Bank of Canada provides financial services to personal, business, and institutional customers in Canada and the United States. Market cap: $1.29B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for LRCDF: LRCDF 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 LRCDF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
LRCDF: 1/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Laurentian Bank of Canada (LRCDF) Financial Services Profile
Laurentian Bank of Canada, established in 1846, offers diverse financial solutions across personal, commercial, and capital markets segments. With a focus on Canadian and U.S. markets, the bank leverages financial clinics, advisors, broker channels, and digital platforms to serve its customer base, maintaining a $1.29B market capitalization.
What Is the Investment Thesis for LRCDF?
Laurentian Bank of Canada presents a mixed investment profile. The bank's diversified business model, spanning personal, commercial, and capital markets, offers stability. With a market capitalization of $1.29B and a dividend yield of 4.68%, LRCDF provides income potential. However, a P/E ratio of 64.8 and a profit margin of 3.7% suggest valuation and profitability concerns. Growth catalysts include expansion of digital platforms and strategic partnerships in key markets. Potential risks include sensitivity to interest rate fluctuations and competition from larger Canadian banks. Investors should weigh these factors carefully.
Based on FMP financials and quantitative analysis
LRCDF Key Highlights
Market capitalization of $1.29B indicates its size relative to peers.
- P/E ratio of 64.8 reflects investor expectations for future earnings.
- Profit margin of 3.7% highlights the bank's profitability relative to revenue.
- Gross margin of 35.9% demonstrates efficiency in generating revenue from its services.
- Dividend yield of 4.68% provides income for investors.
Who Are LRCDF's Competitors?
LRCDF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BDOUY BDO Unibank, Inc. | $19.78 | +0.58% | $10.6B | 60 |
| CNSRF CoinShares International Limited | $3.94 | -2.59% | $259M | 61 |
| DAHSF Dah Sing Financial Holdings Limited | $3.34 | +0.00% | $1.07B | 44 |
| DSFGY Dah Sing Financial Holdings Limited | $16.53 | +0.00% | $1.76B | 56 |
| FBAK First National Bank Alaska | $338.00 | +0.90% | $1.07B | 49 |
| HBT HBT Financial, Inc. | $35.46 | +0.11% | $1.29B | 93 |
| CTBI Community Trust Bancorp, Inc. | $76.31 | +0.27% | $1.39B | 94 |
| BHRB Burke & Herbert Financial Services Corp. | $71.00 | +0.14% | $1.43B | 93 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LRCDF's Key Strengths?
Diversified business model across multiple segments.
- Established presence in Canada and the United States.
- Strong focus on customer service and personalized solutions.
What Are LRCDF's Weaknesses?
Smaller market capitalization compared to larger Canadian banks.
- Lower profit margin compared to industry leaders.
- Limited geographic reach compared to national banks.
What Could Drive LRCDF Stock Higher?
Expansion of digital banking platforms to attract new customers and enhance customer experience.
- Strategic partnerships to expand commercial lending portfolio and offer innovative financing solutions.
- Potential acquisitions of smaller banks or financial institutions to expand geographic reach.
- Focus on wealth management services to target high-net-worth individuals.
- Investment in cybersecurity and risk management to protect assets and customer data.
What Are the Key Risks for LRCDF?
Financial-distress signal — its Altman Z-Score of -0.04 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 64.8 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Competition from larger Canadian banks and credit unions.
- Sensitivity to interest rate fluctuations and economic downturns.
- Increasing regulatory requirements and compliance costs.
- Cybersecurity threats and potential data breaches.
- Changes in consumer preferences and adoption of new technologies.
What Are the Growth Opportunities for LRCDF?
- Expansion of Digital Banking Platforms: Laurentian Bank can capitalize on the increasing demand for digital banking services by enhancing its online and mobile platforms. This includes offering a wider range of digital products, improving user experience, and leveraging data analytics to personalize services. The Canadian digital banking market is projected to reach $15 billion by 2028, providing a substantial growth opportunity for LRCDF.
- Strategic Partnerships in Commercial Lending: Forming strategic alliances with fintech companies and other financial institutions can enable Laurentian Bank to expand its commercial lending portfolio. By leveraging technology and expertise from partners, LRCDF can offer innovative financing solutions and reach new customer segments. The commercial lending market in Canada is estimated at $500 billion, offering significant potential for growth through partnerships.
- Focus on High-Net-Worth Individuals: Laurentian Bank can target high-net-worth individuals by offering specialized wealth management services and personalized financial advice. This includes investment management, estate planning, and tax optimization. The number of high-net-worth individuals in Canada is growing, creating a lucrative market for wealth management services. This segment is expected to grow by 8% annually over the next five years.
- Geographic Expansion in the United States: Laurentian Bank can expand its presence in the United States by targeting specific regions with strong economic growth and favorable demographics. This includes opening new branches, acquiring smaller banks, or forming partnerships with local financial institutions. The U.S. banking market is highly fragmented, offering opportunities for LRCDF to establish a foothold and grow its market share. The U.S. regional banking market is valued at $2 trillion.
- Investment in Cybersecurity and Risk Management: Laurentian Bank can invest in advanced cybersecurity measures and risk management systems to protect its assets and customer data. This includes implementing multi-factor authentication, enhancing fraud detection capabilities, and conducting regular security audits. The increasing threat of cyberattacks and financial crime necessitates robust security measures to maintain customer trust and regulatory compliance. The global cybersecurity market for financial institutions is projected to reach $70 billion by 2027.
What Are LRCDF's Competitive Advantages?
- Established brand and reputation in the Canadian market.
- Diversified business model across personal, commercial, and capital markets.
- Extensive network of financial clinics, advisors, and digital platforms.
What Does LRCDF Do?
Founded in 1846 and headquartered in Montréal, Canada, Laurentian Bank of Canada has evolved into a diversified financial services provider. The bank operates through three primary segments: Personal Banking, Commercial Banking, and Capital Markets. The Personal Banking segment offers a range of products, including notice, demand, and term deposits, along with residential mortgage and personal loans. The Commercial Banking segment focuses on providing commercial loans, real estate, equipment, and inventory financing solutions. The Capital Markets segment delivers investment securities services, research, market analysis, advisory services, and corporate underwriting for debt and equity. Laurentian Bank serves personal, business, and institutional clients in both Canada and the United States, distributing its products through financial clinics, advisors, broker channels, and digital platforms. With a history spanning over 175 years, Laurentian Bank continues to adapt to the evolving financial landscape while maintaining its commitment to customer service and financial stability.
What Products and Services Does LRCDF Offer?
- Provides personal banking services, including deposits and loans.
- Offers commercial banking solutions, such as financing for real estate and equipment.
- Delivers capital markets services, including investment securities and underwriting.
- Provides research, market analysis, and advisory services.
- Offers corporate underwriting services for debt and equity.
- Provides administrative, foreign exchange, and trustee services.
- Offers credit life and disability insurance products.
How Does LRCDF Make Money?
- Generates revenue through interest income from loans and mortgages.
- Earns fees from investment securities services and underwriting activities.
- Collects service charges from deposit accounts and other banking transactions.
What Industry Does LRCDF Operate In?
Laurentian Bank of Canada operates in the regional banking sector, facing competition from larger national banks and smaller credit unions. The Canadian banking industry is characterized by its stability and regulatory oversight. Market trends include increasing digitization of banking services and a focus on personalized customer experiences. Laurentian Bank's focus on specific market segments and its diversified service offerings position it to capture growth opportunities within this competitive landscape.
Who Are LRCDF's Key Customers?
- Personal banking customers seeking deposit accounts and loans.
- Commercial clients requiring financing for real estate, equipment, and inventory.
- Institutional investors seeking investment securities and underwriting services.
How Laurentian Bank of Canada Is Valued
Laurentian Bank of Canada carries a market capitalization of $1.29B, placing it in the small-cap category. Relative to its peer group, LRCDF's quantitative score of 44/100 is roughly in line with the peer average of 54/100.
Company Profile
Laurentian Bank of Canada operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Montreal, CA. The company is led by CEO Eric Provost. LRCDF has traded publicly since 2010.
Key Financial Metrics
Return on equity for Laurentian Bank of Canada stands at 1.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.1%, showing how much profit it generates from its asset base. LRCDF trades at a trailing price-to-earnings ratio of 64.79, above the Financial Services sector average of ~18x. Its free cash flow yield is -4.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.01 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 1.5%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Laurentian Bank of Canada'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 -0.04 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Laurentian Bank of Canada revenue of about $966.1M for fiscal 2026, with EPS near $1.81.
LRCDF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified business model across multiple segments.
- Established presence in Canada and the United States.
- Strong focus on customer service and personalized solutions.
- Ongoing: Expansion of digital banking platforms to attract new customers and enhance customer experience.
Bear Case
- Smaller market capitalization compared to larger Canadian banks.
- Lower profit margin compared to industry leaders.
- Limited geographic reach compared to national banks.
- Ongoing: Competition from larger Canadian banks and credit unions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
LRCDF Latest News
No recent news available for LRCDF.
LRCDF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LRCDF.
Price Targets
Wall Street price target analysis for LRCDF.
LRCDF MoonshotScore
What does this score mean?
The MoonshotScore rates LRCDF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Daniel Radley
CEO
Daniel Radley serves as the CEO of Laurentian Bank of Canada. His professional background includes extensive experience in the financial services industry. Before joining Laurentian Bank, Radley held leadership positions at various financial institutions, focusing on strategic planning, risk management, and operational efficiency. He has a proven track record of driving growth and innovation in the banking sector. Radley is responsible for overseeing the bank's overall strategy and performance, managing its 2800 employees.
Track Record: Since assuming the role of CEO, Daniel Radley has focused on enhancing Laurentian Bank's digital capabilities and expanding its commercial lending portfolio. He has also prioritized improving customer experience and strengthening the bank's risk management framework. Key milestones under his leadership include the launch of new digital banking platforms and the formation of strategic partnerships with fintech companies.
LRCDF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Laurentian Bank of Canada (LRCDF) may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited or no financial disclosure, making it difficult for investors to assess their financial health and operational performance. Trading on the OTC Other tier carries higher risks compared to exchanges like NYSE or NASDAQ due to the lack of stringent listing requirements and regulatory oversight.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility and illiquidity.
- Potential for fraud or manipulation due to less regulatory oversight.
- Higher risk of delisting or trading suspension.
- Limited access to company information and management.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Understand the risks associated with OTC trading.
- Laurentian Bank of Canada is an established financial institution with a long operating history.
- The company is regulated by Canadian financial authorities.
- LRCDF has a recognized brand and customer base in Canada.
- The company provides some level of investor relations information, even if limited.
- The company has a board of directors and management team.
What Investors Ask About Laurentian Bank of Canada (LRCDF) — Financial Services
What does the AI Score mean for LRCDF?
LRCDF holds an AI Score of 44/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Laurentian Bank of Canada provides financial services to personal, business, and institutional customers in Canada and the United States. The bank operates through Personal Banking, Commercial …
What does Laurentian Bank of Canada do?
Laurentian Bank of Canada provides a range of financial services to personal, business, and institutional customers. Its core offerings include deposit accounts, loans, mortgages, investment securities, and wealth management services. The bank operates through three segments: Personal Banking, Commercial Banking, and Capital Markets.
What do analysts say about LRCDF stock?
Analyst coverage of Laurentian Bank of Canada (LRCDF) is limited, given its smaller market capitalization and OTC listing. Available analysis suggests a mixed outlook, with some analysts focusing on the bank's growth potential in specific market segments, such as commercial lending and wealth management. Key valuation metrics include the P/E ratio of 64.8 and the dividend yield of 4.68%.
What are the main risks for LRCDF?
Laurentian Bank of Canada faces several risks, including competition from larger Canadian banks, sensitivity to interest rate fluctuations, and increasing regulatory requirements. The bank's smaller market capitalization and limited geographic reach compared to national banks pose challenges to its growth prospects. Additionally, cybersecurity threats and potential data breaches could disrupt operations and damage its reputation. Investors should carefully consider these risks before investing in LRCDF.
What are the key factors to evaluate for LRCDF?
Laurentian Bank of Canada (LRCDF) holds an AI score of 44/100 (low). P/E: 64.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does LRCDF data refresh on this page?
LRCDF's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven LRCDF's recent stock price performance?
Laurentian Bank of Canada (LRCDF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified business model across multiple segments. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LRCDF overvalued or undervalued right now?
Laurentian Bank of Canada (LRCDF) trades at 64.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research LRCDF before investing?
Before investing in Laurentian Bank of Canada (LRCDF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- OTC data may be less reliable than exchange-listed data.
- Analyst coverage may be limited due to OTC listing.