15.36 USD
-0.17 (-1.09%)
15.15 USD
-0.21 (-1.37%)
LSBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. The financial health of LSBK is average, but there are quite some concerns on its profitability. LSBK has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year LSBK was profitable.
- In the past year LSBK had a positive cash flow from operations.
- In the past 5 years LSBK has always been profitable.
- Each year in the past 5 years LSBK had a positive operating cash flow.
1.2 Ratios
- LSBK's Return On Assets of 0.92% is in line compared to the rest of the industry. LSBK outperforms 51.70% of its industry peers.
- LSBK's Return On Equity of 4.88% is on the low side compared to the rest of the industry. LSBK is outperformed by 77.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 4.88% | ||
| ROIC | N/A |
ROA(3y)0.73%
ROA(5y)0.75%
ROE(3y)6.04%
ROE(5y)6.09%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of LSBK (25.26%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of LSBK has remained more or less at the same level.
- LSBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.26% | ||
| 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
2. Health
2.1 Basic Checks
- LSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for LSBK has been increased compared to 1 year ago.
- Compared to 5 years ago, LSBK has less shares outstanding
- 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.64%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 74.82% over the past year.
- The Earnings Per Share has been growing slightly by 5.30% on average over the past years.
- LSBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.23%.
- LSBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.48% yearly.
EPS 1Y (TTM)74.82%
EPS 3Y-5.62%
EPS 5Y5.3%
EPS Q2Q%33.33%
Revenue 1Y (TTM)10.23%
Revenue growth 3Y-1.09%
Revenue growth 5Y2.48%
Sales Q2Q%20.26%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 17.07 indicates a rather expensive valuation of LSBK.
- LSBK's Price/Earnings ratio is a bit more expensive when compared to the industry. LSBK is more expensive than 74.67% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, LSBK is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.07 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as LSBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.22
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- LSBK has a Yearly Dividend Yield of 2.32%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.61, LSBK has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.81, LSBK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
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
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
LAKE SHORE BANCORP INC/MD / LSBK 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.
What is the valuation status for LSBK stock?
ChartMill assigns a valuation rating of 1 / 10 to LAKE SHORE BANCORP INC/MD (LSBK). This can be considered as Overvalued.
What is the profitability of LSBK stock?
LAKE SHORE BANCORP INC/MD (LSBK) has a profitability rating of 3 / 10.
What are the PE and PB ratios of LAKE SHORE BANCORP INC/MD (LSBK) stock?
The Price/Earnings (PE) ratio for LAKE SHORE BANCORP INC/MD (LSBK) is 17.07 and the Price/Book (PB) ratio is 0.86.
Can you provide the financial health for LSBK stock?
The financial health rating of LAKE SHORE BANCORP INC/MD (LSBK) is 4 / 10.