LAKE SHORE BANCORP INC/MD (LSBK) Fundamental Analysis & Valuation

NASDAQ:LSBK • US5107041098

Current stock price

15.38 USD
+0.13 (+0.85%)
Last:

This LSBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. LSBK Profitability Analysis

1.1 Basic Checks

  • In the past year LSBK was profitable.
  • LSBK had a positive operating cash flow in the past year.
  • LSBK had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M

1.2 Ratios

  • With a Return On Assets value of 0.92%, LSBK perfoms like the industry average, outperforming 47.37% of the companies in the same industry.
  • LSBK has a worse Return On Equity (4.88%) than 81.32% of its industry peers.
Industry RankSector Rank
ROA 0.92%
ROE 4.88%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

1.3 Margins

  • With a Profit Margin value of 25.26%, LSBK perfoms like the industry average, outperforming 49.74% of the companies in the same industry.
  • LSBK's Profit Margin has improved in the last couple of years.
  • LSBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.33%
PM growth 5Y5.59%
GM growth 3YN/A
GM growth 5YN/A
LSBK Yearly Profit, Operating, Gross MarginsLSBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

2. LSBK Health Analysis

2.1 Basic Checks

  • LSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • LSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
LSBK Yearly Shares OutstandingLSBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
LSBK Yearly Total Debt VS Total AssetsLSBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 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
WACC15.69%
LSBK Yearly LT Debt VS Equity VS FCFLSBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. LSBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 56.84% over the past year.
  • LSBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.61% yearly.
  • Looking at the last year, LSBK shows a quite strong growth in Revenue. The Revenue has grown by 14.24% in the last year.
  • LSBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.96% yearly.
EPS 1Y (TTM)56.84%
EPS 3Y10.96%
EPS 5Y11.61%
EPS Q2Q%35.28%
Revenue 1Y (TTM)14.24%
Revenue growth 3Y0.97%
Revenue growth 5Y3.96%
Sales Q2Q%14%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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1

4. LSBK Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.86, the valuation of LSBK can be described as correct.
  • LSBK's Price/Earnings ratio is a bit more expensive when compared to the industry. LSBK is more expensive than 77.11% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, LSBK is valued a bit cheaper.
Industry RankSector Rank
PE 15.86
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as LSBK.
Industry RankSector Rank
P/FCF 13.9
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)1.37
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. LSBK Dividend Analysis

5.1 Amount

  • LSBK has a Yearly Dividend Yield of 2.35%. Purely for dividend investing, there may be better candidates out there.
  • LSBK's Dividend Yield is comparable with the industry average which is at 2.66.
  • LSBK's Dividend Yield is a higher than the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 2.35%

5.2 History

  • The dividend of LSBK decreases each year by -8.11%.
  • LSBK has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-8.11%
Div Incr Years0
Div Non Decr Years0
LSBK Yearly Dividends per shareLSBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • LSBK pays out 20.27% of its income as dividend. This is a sustainable payout ratio.
DP20.27%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
LSBK Dividend Payout.LSBK Dividend Payout, showing the Payout Ratio.LSBK Dividend Payout.PayoutRetained Earnings

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LSBK Fundamentals: All Metrics, Ratios and Statistics

LAKE SHORE BANCORP INC/MD

NASDAQ:LSBK (4/2/2026, 8:00:01 PM)

15.38

+0.13 (+0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-27
Inst Owners27.85%
Inst Owner Change0.65%
Ins Owners2.42%
Ins Owner Change3.04%
Market Cap120.43M
Revenue(TTM)27.84M
Net Income(TTM)6.80M
Analysts0
Price TargetN/A
Short Float %0.27%
Short Ratio0.92
Dividend
Industry RankSector Rank
Dividend Yield 2.35%
Yearly Dividend0.14
Dividend Growth(5Y)-8.11%
DP20.27%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-02
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 15.86
Fwd PE N/A
P/S 4.47
P/FCF 13.9
P/OCF 13.04
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)0.97
EY6.31%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.11
FCFY7.19%
OCF(TTM)1.18
OCFY7.67%
SpS3.44
BVpS17.79
TBVpS17.79
PEG (NY)N/A
PEG (5Y)1.37
Graham Number19.71
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 4.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.26%
GM N/A
FCFM 32.15%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.33%
PM growth 5Y5.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 127.29%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.69%
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)56.84%
EPS 3Y10.96%
EPS 5Y11.61%
EPS Q2Q%35.28%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.24%
Revenue growth 3Y0.97%
Revenue growth 5Y3.96%
Sales Q2Q%14%
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 1Y1206.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1218.86%
OCF growth 3YN/A
OCF growth 5YN/A

LAKE SHORE BANCORP INC/MD / LSBK Fundamental Analysis FAQ

What is the ChartMill fundamental rating of LAKE SHORE BANCORP INC/MD (LSBK) stock?

ChartMill assigns a fundamental rating of 3 / 10 to LSBK.


Can you provide the valuation status for LAKE SHORE BANCORP INC/MD?

ChartMill assigns a valuation rating of 1 / 10 to LAKE SHORE BANCORP INC/MD (LSBK). This can be considered as Overvalued.


Can you provide the profitability details for LAKE SHORE BANCORP INC/MD?

LAKE SHORE BANCORP INC/MD (LSBK) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for LSBK stock?

The Price/Earnings (PE) ratio for LAKE SHORE BANCORP INC/MD (LSBK) is 15.86 and the Price/Book (PB) ratio is 0.86.


Can you provide the dividend sustainability for LSBK stock?

The dividend rating of LAKE SHORE BANCORP INC/MD (LSBK) is 4 / 10 and the dividend payout ratio is 20.27%.