Lake Shore Bancorp, Inc. (LSBK) Stock Price

LSBKStock

$18.23+41.98%52W

Market Cap$143.17M

P/E19.70x

PEG Ratio3.45

Div yield6.85%

Beta0.31

LSBK Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)6.95%

Price vs S&P 500 (4W)0.89%

PEG Ratio3.45

VGM Score50.26

P/E Ratio (Annual)19.70x

Indicated Dividend Yield (Annual)6.85%

P/CF (Annual)17.90x

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)12.63%

Net Profit Margin (TTM)19.04%

EPS (TTM)$1.13

10-Day Avg Trading Volume0.02M

EPS Excl Extra (TTM)$1.13

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)17.07x

Revenue Growth QoQ (YoY)26.06%

EPS Growth (5Y)4.79%

P/E Normalized (Annual)19.70x

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 Ratio1.01x

P/B Ratio (Quarterly)0.80x

Net Income / Employee (Annual)$83,600

ROA (TTM)1.00%

EPS Growth QoQ (YoY)16.09%

EV / EBITDA (TTM)12.99x

EPS Incl Extra (Annual)$0.97

3-Month Avg Trading Volume0.02M

52-Week Price Return41.98%

EV / Free Cash Flow (Annual)19.25x

P/E Incl Extra (TTM)17.07x

Tangible BV / Share (Quarterly)$14.38

P/S Ratio (Annual)2.21x

52-Week High$19.09

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 Return16.86%

13-Week Price Return6.24%

Total Debt / Equity (Annual)0.00x

Enterprise Value$143.17M

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 Dev19.67%

Net Income / Employee (TTM)$96,400

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)19.25x

EV / Free Cash Flow (TTM)19.25x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$1.13

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)26.45%

P/E Ratio (TTM)17.07x

EPS Growth TTM (YoY)50.11%

Year-to-Date Return24.35%

5-Day Price Return1.45%

EPS Normalized (Annual)$0.97

ROA (5Y Avg)0.81%

Net Profit Margin (Annual)21.11%

Month-to-Date Return0.39%

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)17.90x

ROI (5Y Avg)5.87%

P/E Excl Extra (TTM)17.07x

LT Debt / Equity (Quarterly)0.31x

EPS Basic Excl Extra (TTM)$1.13

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)3.55%

Net Margin Growth (5Y)2.42%

Dividend Yield (TTM)1.17%

Beta0.31x

P/FCF (Annual)19.25x

Revenue / Share (TTM)$4.71

ROE (TTM)6.26%

52-Week Low$12.50

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LSBK Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q4 2010	Jan 31, 2011	—	$0.12	—
Q3 2010	Oct 29, 2010	—	$0.10	—
Q2 2010	Jul 29, 2010	—	$0.08	—

Industry Peers — Savings Institutions(37)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
LSBKLake Shore Bancorp, Inc.	D	D	A	0.8x	6.3%	1.0%	—	$18.23
HSBCHSBC Holdings PLC	B	C	C	1.7x	19.5%	1.1%	—	$94.57
AXAxos Financial, Inc. Common Stock	C	B	D	1.7x	16.4%	1.7%	—	$88.14
EBCEastern Bankshares, Inc. Common Stock	D	C	C	1.2x	9.0%	1.3%	—	$21.31
TFSLTFS Financial Corporation	F	C	C	2.5x	5.3%	0.6%	—	$16.33
BKUBankunited, Inc.	B	D	D	1.2x	9.0%	0.8%	—	$41.94
PFSProvident Financial Services, Inc.	B	C	C	1.1x	11.0%	1.2%	—	$22.23
CLBKColumbia Financial, Inc. Common Stock	F	D	B	1.8x	5.0%	0.5%	—	$10.67
CFFNCapitol Federal Financial, Inc.	C	D	C	1.1x	8.0%	0.8%	—	$8.17
HTBHomeTrust Bancshares, Inc.	C	C	C	1.4x	10.9%	1.4%	—	$47.08
KRNYKearny Financial Corporation	C	D	C	0.8x	4.8%	0.5%	—	$8.97
NRIMNorthrim BanCorp Inc	B	D	D	1.8x	20.7%	2.0%	—	$23.55
PDLBPonce Financial Group, Inc. Common Stock	C	A	B	0.9x	6.2%	1.0%	—	$20.13
FMAOFarmers & Merchants Bancorp, Inc.	C	B	A	1.1x	10.7%	1.2%	—	$35.32
WSBFWaterstone Financial, Inc.	B	D	B	1.1x	8.6%	1.3%	—	$19.91
FNRNFirst Northern Community Bancorp Common stock	D	D	C	1.0x	10.6%	1.1%	—	$16.75
WNEBWestern New England Bancorp, Inc.	D	D	D	1.2x	6.8%	0.6%	—	$13.57
BCBPBCB Bancorp Inc (NJ)	C	C	F	0.6x	-5.8%	-0.5%	—	$8.12
CZWICitizens Community Bancorp, Inc.	C	F	C	1.2x	6.8%	0.7%	—	$21.22
FCAPFirst Capital Inc	C	C	B	1.5x	13.4%	1.4%	—	$61.16
BVFLBV Financial, Inc. Common Stock	C	B	B	1.0x	7.1%	1.4%	—	$21.67
FNWDFinward Bancorp Common Stock	C	D	B	0.9x	5.7%	0.5%	—	$41.93
FGBIFIRST GUARANTY BANCSHARES INC	B	C	F	0.7x	-16.2%	-0.9%	—	$8.22
MGYRMagyar Bancorp, Inc.	B	B	B	0.9x	9.6%	1.1%	—	$19.84
RVSBRiverview Bancorp Inc	C	D	B	0.8x	-2.5%	-0.3%	—	$5.99
PROVProvident Financial Hldgs	C	D	C	0.9x	5.2%	0.5%	—	$18.15
SFBCSound Financial Bancorp, Inc.	D	D	D	1.0x	7.0%	0.7%	—	$43.17
BYFCBroadway Financial Corp/Del	C	D	B	0.2x	-7.9%	-1.5%	—	$11.37
FDSBFifth District Bancorp, Inc. Common Stock	D	F	C	0.7x	1.3%	0.3%	—	$16.88
FSEAFirst Seacoast Bancorp, Inc. Common Stock	F	D	C	1.2x	0.1%	0.0%	—	$17.25
CPBICentral Plains Bancshares, Inc. Common Stock	D	D	B	0.9x	5.1%	0.8%	1.6x	$20.00
HFBLHome Federal Bancorp, Inc. of Louisiana	C	C	C	0.9x	10.4%	0.9%	—	$24.12
NSTSNSTS Bancorp, Inc. Common Stock	B	A	B	0.9x	-0.1%	-0.0%	—	$14.26
CLSTCatalyst Bancorp, Inc. Common Stock	D	D	C	0.8x	2.5%	0.7%	—	$16.99
KFFBKentucky First Federal Bancorp	D	A	B	0.7x	2.9%	0.4%	—	$5.40
IROQIF Bancorp, Inc.	D	D	D	1.0x	6.2%	0.6%	—	$0.00
NFBKNorthfield Bancorp, Inc.	C	D	B	0.8x	0.7%	0.1%	—	$0.00
SIFIHarbor Ares Systematic Multi-Sector Income ETF	—	—	D	—	—	—	—	$42.24

About Lake Shore Bancorp, Inc.

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.