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Market Price

15.48 

-0.05 -0.3%

as of Jun 25 '19

52 Week Range:

13.78 20.85


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Lakeland Bancorp, Inc. operates as the bank holding company for Lakeland Bank that provides various banking products and services for individuals and small to medium sized businesses. It offers commercial banking services, including savings, money market, and time accounts, as well as demand deposits; lending solutions, such as short and medium term loans, lines of credit, letters of credit, inventory and accounts receivable financing, real estate construction loans, mortgage loans, small business administration loans, commercial real estate loans, commercial and industrial loans, and equipment financing, as well as merchant credit card services; and Internet banking, mobile banking, wire transfer, night depository, and cash management services. The company also provides consumer banking services, including checking accounts, savings accounts, money market accounts, certificates of deposit, secured and unsecured loans, consumer installment loans, mortgage loans, and safe deposit services, as well as Internet banking services. In addition, it offers investment and advisory services; and non-deposit products, which include securities brokerage services, including mutual funds and variable annuities. As of January 28, 2019, the company operated 54 branch offices throughout Bergen, Essex, Morris, Ocean, Passaic, Somerset, Sussex, and Union counties in New Jersey; 6 New Jersey regional commercial lending centers in Bernardsville, Jackson, Montville, Newton, Teaneck, and Waldwick; 1 commercial lending center in New York to serve the Hudson Valley region; and 1 commercial loan production office serving Middlesex and Monmouth counties in New Jersey. Lakeland Bancorp, Inc. was founded in 1989 and is headquartered in Oak Ridge, New Jersey.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 8.07
7.67
7.62
8.39
9.00
9.18
9.83
10.49
10.56
12.19
12.79
growth rate -5.0% -0.7% 10.1% 7.3% 2.0% 7.1% 6.7% 0.7% 15.4% 4.9%
Earnings BIT 22.39
-13.17
29.34
28.56
31.84
37.42
50.16
53.77
69.97
88.42
growth rate -100.0% 100.0% -2.7% 11.5% 17.5% 34.1% 7.2% 30.1% 26.4%
Avg.PE 17.48
-22.30
17.24
12.39
13.35
16.47
14.02
12.13
21.05
18.26
12.05
growth rate -100.0% 100.0% -28.1% 7.8% 23.4% -14.9% -13.5% 73.5% -13.3% -34.0%
ROA 0.59
-0.32
0.55
0.63
0.74
0.80
0.90
0.87
0.92
1.00
1.13
growth rate -100.0% 100.0% 14.6% 17.5% 8.1% 12.5% -3.3% 5.8% 8.7% 13.0%
ROE 7.01
-3.97
7.00
7.61
8.09
7.90
8.46
8.26
8.65
9.28
10.51
growth rate -100.0% 100.0% 8.7% 6.3% -2.4% 7.1% -2.4% 4.7% 7.3% 13.3%
ROIC 10.86
3.75
6.92
6.53
7.11
6.76
6.51
growth rate -65.5% 84.5% -5.6% 8.9% -4.9% -3.7%
Leverage 11.96
12.85
12.51
11.71
10.39
9.44
9.33
9.66
9.26
9.27
9.31
growth rate 7.4% -2.7% -6.4% -11.3% -9.1% -1.2% 3.5% -4.1% 0.1% 0.4%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 8.37
7.64
8.60
8.90
9.21
12.56
14.42
growth rate -8.7% 12.6% 3.4% 3.5% 36.4% 14.8%
Acct.Payable 2,790.82
2,995.57
4,092.84
4,368.75
4,620.67
growth rate 7.3% 36.6% 6.7% 5.8%
Cur.Assets 119.87
131.44
194.55
165.20
238.79
growth rate 9.7% 48.0% -15.1% 44.5%
Total Assets 2,642.60
2,724.00
2,792.70
2,825.95
2,918.70
3,317.79
3,538.33
3,869.55
5,093.13
5,405.64
5,806.09
growth rate 3.1% 2.5% 1.2% 3.3% 13.7% 6.7% 9.4% 31.6% 6.1% 7.4%
Cash 49.80
58.70
49.30
616.20
603.56
643.51
109.32
118.49
175.80
142.93
208.60
growth rate 17.9% -16.0% 1,149.9% -2.1% 6.6% -83.0% 8.4% 48.4% -18.7% 45.9%
Inventory 1.03
0.98
1.07
0.84
0.83
growth rate -4.2% 9.1% -21.4% -1.5%
Cur.Liabilities 2,899.79
3,148.32
4,149.19
4,513.68
4,894.84
growth rate 8.6% 31.8% 8.8% 8.4%
Liabilities 2,421.70
2,456.00
2,532.00
2,566.17
2,637.84
2,966.37
3,158.89
3,469.03
4,543.09
4,822.52
5,182.35
growth rate 1.4% 3.1% 1.4% 2.8% 12.5% 6.5% 9.8% 31.0% 6.2% 7.5%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
243.74
303.14
368.00
282.38
256.92
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -87.9% 24.4% 21.4% -23.3% -9.0%
Equity 220.90
268.00
260.70
259.78
280.87
351.42
379.44
400.52
550.04
583.12
623.74
growth rate 21.3% -2.7% -0.4% 8.1% 25.1% 8.0% 5.6% 37.3% 6.0% 7.0%
Common Shares 27.00
27.00
28.00
28.00
29.00
35.00
38.00
38.00
43.00
48.00
48.00
growth rate 0.0% 3.7% 0.0% 3.6% 20.7% 8.6% 0.0% 13.2% 11.6% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.80
-50.40
-1.40
3.43
8.98
2.79
2.49
4.84
3.98
3.97
5.52
growth rate -100.0% 0.0% 100.0% 162.1% -69.0% -10.6% 94.1% -17.8% -0.1% 39.1%
Cash Dividends 8.10
8.20
6.80
6.33
5.99
8.15
10.84
12.59
16.01
18.85
21.31
growth rate 1.2% -17.1% -7.0% -5.3% 36.1% 32.9% 16.2% 27.2% 17.8% 13.0%
Cash From OA 30.90
22.50
56.00
49.93
48.59
50.73
45.63
40.77
50.07
67.47
79.44
growth rate -27.2% 148.9% -10.8% -2.7% 4.4% -10.1% -10.7% 22.8% 34.7% 17.8%
FCF per Share 1.24
0.71
1.96
1.86
1.36
1.44
1.11
1.03
1.02
1.20
1.69
growth rate -42.7% 176.1% -5.1% -26.9% 5.9% -22.9% -7.2% -1.0% 17.7% 40.8%
Sale Purchase of Stock -19.74
3.40
2.40
0.17
0.15
48.96
0.32
growth rate 100.0% -29.6% -93.0% -12.6% 33,436.3% -99.3%
FCF 34.00
20.00
54.00
47.00
40.00
48.00
43.00
36.00
46.00
63.00
74.00
growth rate -41.2% 170.0% -13.0% -14.9% 20.0% -10.4% -16.3% 27.8% 37.0% 17.5%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 106.20
112.20
119.00
135.64
129.86
135.16
125.42
133.59
162.76
184.58
192.04
growth rate 5.7% 6.1% 14.0% -4.3% 4.1% -7.2% 6.5% 21.8% 13.4% 4.0%
Op.Income 22.40
-13.20
29.30
19.85
21.74
24.97
49.01
52.62
70.04
85.29
83.70
growth rate -100.0% 100.0% -32.3% 9.5% 14.8% 96.3% 7.4% 33.1% 21.8% -1.9%
IBT 22.39
-13.17
29.34
28.56
31.84
37.42
46.29
48.65
62.84
80.05
80.29
growth rate -100.0% 100.0% -2.7% 11.5% 17.5% 23.7% 5.1% 29.2% 27.4% 0.3%
Net Income 15.20
-5.40
19.20
19.85
21.74
24.97
31.13
32.48
41.52
52.58
63.40
growth rate -100.0% 100.0% 3.4% 9.5% 14.8% 24.7% 4.3% 27.8% 26.6% 20.6%
EPS 0.55
-0.32
0.54
0.63
0.72
0.71
0.82
0.85
0.95
1.09
1.32
growth rate -100.0% 100.0% 16.7% 14.3% -1.4% 15.5% 3.7% 11.8% 14.7% 21.1%
Gross Profit 125.42
133.59
162.76
184.58
192.04
growth rate 6.5% 21.8% 13.4% 4.0%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 21.30
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 14.68
growth rate
Acct.Payable 4,447.97
4,400.02
4,642.44
4,620.67
5,064.58
growth rate -1.1% 5.5% -0.5% 9.6%
Cur.Assets 158.36
172.49
212.68
238.79
260.37
growth rate 8.9% 23.3% 12.3% 9.0%
Total Assets 5,477.83
5,534.49
5,627.06
5,806.09
6,365.06
growth rate 1.0% 1.7% 3.2% 9.6%
Cash 133.04
142.81
180.24
208.60
226.36
growth rate 7.4% 26.2% 15.7% 8.5%
Inventory 1.39
2.18
2.75
0.83
0.72
growth rate 56.9% 26.1% -69.9% -13.9%
Cur.Liabilities 4,648.46
4,673.64
4,754.19
4,894.84
5,375.88
growth rate 0.5% 1.7% 3.0% 9.8%
Liabilities 4,889.18
4,936.62
5,019.50
5,182.35
5,683.72
growth rate 1.0% 1.7% 3.2% 9.7%
LT Debt 215.71
235.26
236.68
256.92
279.12
growth rate 9.1% 0.6% 8.6% 8.6%
Equity 588.65
597.86
607.56
623.74
681.34
growth rate 1.6% 1.6% 2.7% 9.2%
Common Shares 513.23
513.76
514.21
514.70
558.25
growth rate 0.1% 0.1% 0.1% 8.5%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 1.35
1.39
1.15
1.62
1.79
growth rate 2.8% -17.2% 40.9% 10.4%
Cash Dividends 4.78
5.51
5.51
5.51
5.84
growth rate 15.3% 0.0% 0.0% 6.0%
Cash From OA 19.88
24.01
22.50
13.04
20.24
growth rate 20.8% -6.3% -42.1% 55.3%
Sale Purchase of Stock 0.25
growth rate
FCF 18.53
22.62
21.35
11.41
18.45
growth rate 22.1% -5.6% -46.5% 61.6%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 46.29
47.71
47.57
50.48
53.82
growth rate 3.1% -0.3% 6.1% 6.6%
Op.Income 19.78
20.71
20.36
22.85
23.54
growth rate 4.7% -1.7% 12.2% 3.0%
IBT 19.15
20.14
20.42
20.58
19.84
growth rate 5.2% 1.4% 0.8% -3.6%
Net Income 15.26
15.84
16.76
15.55
15.63
growth rate 3.8% 5.8% -7.2% 0.5%
EPS
growth rate
Gross Profit 46.29
47.71
47.57
50.48
53.82
growth rate 3.1% -0.3% 6.1% 6.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (79.24)

YOY Growth Grade:

D (46.10)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.06 11.83 11.63
EPS / Growth 11.8% 1.31 9.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 9.0% 10.7% 10.7%
Future PE 11.63 15.39 15.39
Future EPS 3.10 3.63 3.63
Value Price
MOS %
8.91
-42.4%
13.81
-10.8%
13.81
-10.8%
MOS Price 4.46 6.91 6.91
IRT 7.90 7.48 7.48

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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