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Lake Shore Bancorp, Inc. (LSBK)
Price$15.82
Value ScoreD
Growth ScoreC
Momentum ScoreD
Favorite Metrics
Price vs S&P 500 (26W)-5.58%
Price vs S&P 500 (4W)-7.63%
VGM Score36.44
Market Capitalization$114.66M
P/E Ratio (Annual)15.77x
Indicated Dividend Yield (Annual)2.31%
All Metrics
P/CF (Annual)14.34x
Book Value / Share (Quarterly)$18.08
P/TBV (Annual)0.74x
Indicated Dividend (Annual)$0.36
Revenue Growth (3Y)3.31%
Cash Flow / Share (Quarterly)$0.95
Payout Ratio (TTM)31.33%
Price vs S&P 500 (YTD)-4.59%
Net Profit Margin (TTM)19.04%
EPS (TTM)$1.09
10-Day Avg Trading Volume0.02M
EPS Excl Extra (TTM)$1.09
Revenue Growth (5Y)6.63%
EPS (Annual)$0.97
Dividend / Share (Annual)$0.21
ROI (Annual)5.13%
Net Profit Margin (5Y Avg)20.95%
Cash / Share (Quarterly)$0.80
P/E Basic Excl Extra (TTM)14.10x
Revenue Growth QoQ (YoY)26.06%
EPS Growth (5Y)4.79%
P/E Normalized (Annual)15.77x
ROA (Last FY)1.00%
Revenue Growth TTM (YoY)29.16%
EBITD / Share (TTM)$1.43
ROE (5Y Avg)6.05%
Operating Margin (TTM)22.96%
Cash Flow / Share (Annual)$0.95
P/B Ratio0.81x
P/B Ratio (Quarterly)0.80x
Net Income / Employee (Annual)$83,600
ROA (TTM)1.00%
EPS Growth QoQ (YoY)88.27%
EV / EBITDA (TTM)12.99x
EPS Incl Extra (Annual)$0.97
3-Month Avg Trading Volume0.01M
52-Week Price Return-18.05%
EV / Free Cash Flow (Annual)15.42x
P/E Incl Extra (TTM)14.10x
Tangible BV / Share (Quarterly)$14.38
P/S Ratio (Annual)2.21x
52-Week High$16.28
Operating Margin (5Y Avg)24.81%
EPS Excl Extra (Annual)$0.97
CapEx CAGR (5Y)6.96%
Tangible BV CAGR (5Y)0.71%
26-Week Price Return10.35%
13-Week Price Return0.39%
Total Debt / Equity (Annual)0.00x
Enterprise Value$114.66M
Revenue / Share Growth (5Y)7.69%
Book Value / Share Growth (5Y)4.06%
Revenue / Employee (Annual)$249,244,200,000
Pretax Margin (Annual)25.40%
Cash / Share (Annual)$1.59
3-Month Return Std Dev15.37%
Net Income / Employee (TTM)$93,500
EBITDA CAGR (5Y)6.90%
EBITDA Interim CAGR (5Y)7.06%
ROE (Last FY)5.13%
EPS Basic Excl Extra (Annual)$0.97
P/FCF (TTM)15.42x
EV / Free Cash Flow (TTM)15.42x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$1.09
ROI (TTM)6.26%
Dividend Growth Rate (5Y)4.26%
P/S Ratio (TTM)2.16x
Pretax Margin (5Y Avg)24.81%
Revenue / Share (Annual)$4.60
Tangible BV / Share (Annual)$14.23
Free OCF CAGR (5Y)7.42%
Price vs S&P 500 (52W)-27.61%
P/E Ratio (TTM)14.10x
EPS Growth TTM (YoY)57.33%
Year-to-Date Return6.14%
5-Day Price Return-0.89%
EPS Normalized (Annual)$0.97
ROA (5Y Avg)0.81%
Net Profit Margin (Annual)21.11%
Month-to-Date Return-2.26%
Cash Flow / Share (TTM)$1.04
EBITD / Share (Annual)$1.25
EPS Growth (3Y)-0.15%
Operating Margin (Annual)25.40%
LT Debt / Equity (Annual)0.31x
P/CF (TTM)14.34x
ROI (5Y Avg)5.87%
P/E Excl Extra (TTM)14.10x
LT Debt / Equity (Quarterly)0.31x
EPS Basic Excl Extra (TTM)$1.09
P/TBV (Quarterly)0.73x
Payout Ratio (Annual)23.06%
P/B Ratio (Annual)0.80x
Dividend / Share (TTM)$0.21
Pretax Margin (TTM)22.96%
Book Value / Share (Annual)$18.08
Price vs S&P 500 (13W)-9.36%
Net Margin Growth (5Y)2.42%
Dividend Yield (TTM)1.46%
Beta0.32x
P/FCF (Annual)15.42x
Revenue / Share (TTM)$4.71
ROE (TTM)6.26%
52-Week Low$11.19
vGradeD
gGradeC
mGradeD
vgmGradeD
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Industry Peers — Savings Institutions(37)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
LSBKLake Shore Bancorp, Inc. | D | C | D | $15.82 |
| HSBCHSBC Holdings PLC | C | D | A | $93.18 |
| AXAxos Financial, Inc. Common Stock | C | B | D | $86.35 |
| EBCEastern Bankshares, Inc. Common Stock | C | B | D | $19.46 |
| TFSLTFS Financial Corporation | F | D | C | $15.66 |
| BKUBankunited, Inc. | B | D | C | $45.80 |
| PFSProvident Financial Services, Inc. | B | C | C | $21.84 |
| CLBKColumbia Financial, Inc. Common Stock | F | D | B | $19.90 |
| CFFNCapitol Federal Financial, Inc. | C | D | B | $7.69 |
| HTBHomeTrust Bancshares, Inc. | C | B | C | $46.29 |
| NFBKNorthfield Bancorp, Inc. | C | D | C | $14.18 |
About
Lake Shore Bancorp Inc is a regional savings bank that attracts retail deposits and invests them principally in commercial real estate loans, residential mortgages, and home equity lines of credit. The company generates revenues primarily from net interest income on its loan and investment securities portfolio. It supplements its mortgage-focused business with commercial and consumer lending to diversify revenue sources.