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LAKE SHORE BANCORP INC (LSBK) Stock Fundamental Analysis

NASDAQ:LSBK - Nasdaq - US5107001076 - Common Stock - Currency: USD

16.32  +0.32 (+2%)

Fundamental Rating

3

Taking everything into account, LSBK scores 3 out of 10 in our fundamental rating. LSBK was compared to 405 industry peers in the Banks industry. The financial health of LSBK is average, but there are quite some concerns on its profitability. LSBK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

LSBK had positive earnings in the past year.
In the past year LSBK had a positive cash flow from operations.
In the past 5 years LSBK has always been profitable.
LSBK had a positive operating cash flow in 4 of the past 5 years.
LSBK Yearly Net Income VS EBIT VS OCF VS FCFLSBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

1.2 Ratios

LSBK has a worse Return On Assets (0.60%) than 65.16% of its industry peers.
LSBK has a Return On Equity of 4.69%. This is in the lower half of the industry: LSBK underperforms 75.94% of its industry peers.
Industry RankSector Rank
ROA 0.6%
ROE 4.69%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
LSBK Yearly ROA, ROE, ROICLSBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

LSBK has a Profit Margin of 17.23%. This is in the lower half of the industry: LSBK underperforms 69.42% of its industry peers.
In the last couple of years the Profit Margin of LSBK has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for LSBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 17.23%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.28%
PM growth 5Y1.3%
GM growth 3YN/A
GM growth 5YN/A
LSBK Yearly Profit, Operating, Gross MarginsLSBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2. Health

2.1 Basic Checks

LSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for LSBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
LSBK Yearly Shares OutstandingLSBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
LSBK Yearly Total Debt VS Total AssetsLSBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

2.2 Solvency

There is no outstanding debt for LSBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC11.85%
LSBK Yearly LT Debt VS Equity VS FCFLSBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LSBK Yearly Current Assets VS Current LiabilitesLSBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M

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3. Growth

3.1 Past

LSBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.77%.
Measured over the past 5 years, LSBK shows a small growth in Earnings Per Share. The EPS has been growing by 5.29% on average per year.
The Revenue has decreased by -9.72% in the past year.
Measured over the past years, LSBK shows a small growth in Revenue. The Revenue has been growing by 2.48% on average per year.
EPS 1Y (TTM)3.77%
EPS 3Y-5.72%
EPS 5Y5.29%
EPS Q2Q%103%
Revenue 1Y (TTM)-9.72%
Revenue growth 3Y-1.09%
Revenue growth 5Y2.48%
Sales Q2Q%-1.11%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
LSBK Yearly Revenue VS EstimatesLSBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
LSBK Yearly EPS VS EstimatesLSBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 18.98, which indicates a rather expensive current valuation of LSBK.
Based on the Price/Earnings ratio, LSBK is valued a bit more expensive than the industry average as 78.70% of the companies are valued more cheaply.
LSBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.62.
Industry RankSector Rank
PE 18.98
Fwd PE N/A
LSBK Price Earnings VS Forward Price EarningsLSBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, LSBK is valued more expensive than 81.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF 141.29
EV/EBITDA N/A
LSBK Per share dataLSBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.59
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.50%, LSBK is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.19, LSBK pays a better dividend. On top of this LSBK pays more dividend than 87.22% of the companies listed in the same industry.
LSBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 4.5%

5.2 History

LSBK has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
LSBK Yearly Dividends per shareLSBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2024 2025 0.2 0.4 0.6

5.3 Sustainability

17.15% of the earnings are spent on dividend by LSBK. This is a low number and sustainable payout ratio.
DP17.15%
EPS Next 2YN/A
EPS Next 3YN/A
LSBK Yearly Income VS Free CF VS DividendLSBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
LSBK Dividend Payout.LSBK Dividend Payout, showing the Payout Ratio.LSBK Dividend Payout.PayoutRetained Earnings

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LAKE SHORE BANCORP INC

NASDAQ:LSBK (2/21/2025, 8:00:00 PM)

16.32

+0.32 (+2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29
Earnings (Next)04-21 2025-04-21
Inst Owners8.94%
Inst Owner Change-69.21%
Ins Owners2.9%
Ins Owner Change4.18%
Market Cap93.68M
Analysts0
Price TargetN/A
Short Float %0.15%
Short Ratio1.06
Dividend
Industry RankSector Rank
Dividend Yield 4.5%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP17.15%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-10 2025-02-10 (0.18)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 18.98
Fwd PE N/A
P/S 3.83
P/FCF 141.29
P/OCF 133.82
P/B 1.04
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)0.86
EY5.27%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.12
FCFY0.71%
OCF(TTM)0.12
OCFY0.75%
SpS4.26
BVpS15.66
TBVpS15.66
PEG (NY)N/A
PEG (5Y)3.59
Profitability
Industry RankSector Rank
ROA 0.6%
ROE 4.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.23%
GM N/A
FCFM 2.71%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.28%
PM growth 5Y1.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 4.85%
Cap/Sales 0.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 15.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.85%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.77%
EPS 3Y-5.72%
EPS 5Y5.29%
EPS Q2Q%103%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.72%
Revenue growth 3Y-1.09%
Revenue growth 5Y2.48%
Sales Q2Q%-1.11%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-88.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-89.1%
OCF growth 3YN/A
OCF growth 5YN/A