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Lake Shore Bancorp, Inc. (LSBK)
Price$15.69
Favorite Metrics
Price vs S&P 500 (26W)16.32%
Price vs S&P 500 (4W)1.93%
Market Capitalization$120.20M
P/E Ratio (Annual)16.54x
Indicated Dividend Yield (Annual)2.29%
All Metrics
P/CF (Annual)15.03x
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)4.64%
Net Profit Margin (TTM)19.04%
EPS (TTM)$0.97
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$0.97
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)16.54x
Revenue Growth QoQ (YoY)26.06%
EPS Growth (5Y)4.79%
P/E Normalized (Annual)16.54x
ROA (Last FY)1.00%
Revenue Growth TTM (YoY)29.16%
EBITD / Share (TTM)$1.25
ROE (5Y Avg)6.05%
Operating Margin (TTM)22.96%
Cash Flow / Share (Annual)$0.95
P/B Ratio0.85x
P/B Ratio (Quarterly)0.80x
Net Income / Employee (Annual)$0
ROA (TTM)1.00%
EPS Growth QoQ (YoY)37.04%
EV / EBITDA (TTM)12.84x
EPS Incl Extra (Annual)$0.97
3-Month Avg Trading Volume0.01M
52-Week Price Return-18.05%
EV / Free Cash Flow (Annual)16.16x
P/E Incl Extra (TTM)16.54x
Tangible BV / Share (Quarterly)$14.38
P/S Ratio (Annual)2.21x
52-Week High$15.75
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 Return20.31%
13-Week Price Return4.95%
Total Debt / Equity (Annual)0.00x
Enterprise Value$120.204
Revenue / Share Growth (5Y)7.69%
Book Value / Share Growth (5Y)4.06%
Revenue / Employee (Annual)$249,244
Pretax Margin (Annual)25.40%
Cash / Share (Annual)$1.59
3-Month Return Std Dev16.90%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)8.53%
EBITDA Interim CAGR (5Y)7.98%
ROE (Last FY)5.13%
EPS Basic Excl Extra (Annual)$0.97
P/FCF (TTM)16.16x
EV / Free Cash Flow (TTM)16.16x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$0.97
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)16.54x
EPS Growth TTM (YoY)33.01%
Year-to-Date Return7.09%
5-Day Price Return0.00%
EPS Normalized (Annual)$0.97
ROA (5Y Avg)0.81%
Net Profit Margin (Annual)21.11%
Month-to-Date Return3.43%
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)15.03x
ROI (5Y Avg)5.87%
P/E Excl Extra (TTM)16.54x
LT Debt / Equity (Quarterly)0.31x
EPS Basic Excl Extra (TTM)$0.97
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)4.26%
Net Margin Growth (5Y)2.42%
Dividend Yield (TTM)1.39%
Beta0.33x
P/FCF (Annual)16.16x
Revenue / Share (TTM)$4.71
ROE (TTM)6.26%
52-Week Low$10.04
Industry Peers — Savings Institutions(36)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
LSBKLake Shore Bancorp, Inc. | 0.80x | 6.26% | 1.00% | — | $15.69 |
HSBCHSBC Holdings PLC | 1.38x | 14.21% | 0.85% | — | $90.52 |
AXAxos Financial, Inc. Common Stock | 1.67x | 16.59% | 1.75% | — | $94.74 |
EBCEastern Bankshares, Inc. Common Stock | 1.01x | 2.29% | 0.33% | — | $20.73 |
TFSLTFS Financial Corporation | 1.97x | 4.79% | 0.52% | — | $14.50 |
BKUBankunited, Inc. | 1.10x | 8.99% | 0.76% | — | $46.89 |
PFSProvident Financial Services, Inc. | 0.91x | 10.62% | 1.18% | — | $22.24 |
CLBKColumbia Financial, Inc. Common Stock | 1.40x | 4.58% | 0.48% | — | $18.17 |
CFFNCapitol Federal Financial, Inc. | 0.86x | 6.99% | 0.75% | — | $7.55 |
HTBHomeTrust Bancshares, Inc. | 1.25x | 11.00% | 1.41% | — | $44.63 |
NFBKNorthfield Bancorp, Inc. | 0.69x | 0.11% | 0.01% | — | $13.87 |
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.