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Laurentian Bank of Canada T.LB

Alternate Symbol(s):  LRCDF | LAUCF | T.LB.PR.H

Laurentian Bank of Canada (the Bank) is a Canada-based provider of financial services to its personal, commercial and institutional customers. The Bank operates in Canada and the United States. Its segments include Personal Banking, Commercial Banking and Capital Markets. The Personal Banking segment caters to the financial needs of retail clients. The Commercial Banking segment caters to the financial needs of business clients across Canada and in the United States and provides commercial banking, real estate financing, and equipment and inventory financing. The Capital Markets segment provides a range of services, including research, market analysis and advisory services, corporate underwriting for debt and equity, and administrative services. The Bank's clients can access its offering of financial advice, products and services through a network of branches in Quebec. The Bank offers a digital direct-to-customer platform to all Canadians. The Bank has approximately 57 branches.


TSX:LB - Post by User

Post by DeanEdmontonon Jul 13, 2023 9:01am
260 Views
Post# 35538922

Not Interesting to the Big 5

Not Interesting to the Big 5So ten years of attempting to turn this around still hasn't worked. Even the new CEO couldn't get it fixed. Between management and the board it is clear they are tired of beating a dead horse.

Most assets are in Quebec, and overall size is small in relation to the amount of work needed on the regualtory side to get the purchase approved. 90% of the branches would be redundant, as are the staff. The existing IT infrastructure would need to be turned off, the online cpacity is rudimentary and not integratable and all legacy accounts and loans would need to be converted to the new owners system. To layoff and close that many locations would draw a ton of negative press and a lot of pressure from politicians.

Far too much work for what you get. On top of which, book value is quite a bit lower than claimed given the integration and wind up costs. Buying the assets and deposits would have a far lower value than an operating entitiy. If I still had any shares in this Bank I would have sold them yesterday shortly after the open.

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