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LAKE SHORE BANCORP INC (LSBK) Stock Fundamental Analysis

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

15.79  -0.14 (-0.88%)

Fundamental Rating

3

Taking everything into account, LSBK scores 3 out of 10 in our fundamental rating. LSBK was compared to 396 industry peers in the Banks industry. While LSBK seems to be doing ok healthwise, there are quite some concerns on its profitability. LSBK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years LSBK always reported a positive cash flow from operatings.
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 Return On Assets of 0.72%. This is in the lower half of the industry: LSBK underperforms 60.66% of its industry peers.
LSBK's Return On Equity of 5.49% is on the low side compared to the rest of the industry. LSBK is outperformed by 74.37% of its industry peers.
Industry RankSector Rank
ROA 0.72%
ROE 5.49%
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
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

Looking at the Profit Margin, with a value of 20.13%, LSBK is doing worse than 62.94% of the companies in the same 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 RankSector Rank
OM N/A
PM (TTM) 20.13%
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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4

2. Health

2.1 Basic Checks

LSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
LSBK has more shares outstanding than it did 1 year ago.
The number of shares outstanding for LSBK has been reduced compared to 5 years ago.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 200M 400M 600M

2.2 Solvency

LSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC17.54%
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 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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2

3. Growth

3.1 Past

LSBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.74%, which is quite impressive.
Measured over the past 5 years, LSBK shows a small growth in Earnings Per Share. The EPS has been growing by 5.22% on average per year.
The Revenue has decreased by -4.91% in the past year.
LSBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.48% yearly.
EPS 1Y (TTM)22.74%
EPS 3Y-5.82%
EPS 5Y5.22%
EPS Q2Q%7.9%
Revenue 1Y (TTM)-4.91%
Revenue growth 3Y-1.09%
Revenue growth 5Y2.48%
Sales Q2Q%5.98%

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

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1

4. Valuation

4.1 Price/Earnings Ratio

LSBK is valuated rather expensively with a Price/Earnings ratio of 18.15.
LSBK's Price/Earnings ratio is a bit more expensive when compared to the industry. LSBK is more expensive than 75.38% of the companies in the same industry.
LSBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.15
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

78.68% of the companies in the same industry are cheaper than LSBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 29.22
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)3.48
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.52%, LSBK is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.25, LSBK pays a better dividend. On top of this LSBK pays more dividend than 84.26% 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 2.34.
Industry RankSector Rank
Dividend Yield 4.52%

5.2 History

The dividend of LSBK decreases each year by -2.35%.
LSBK has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-2.35%
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

29.01% of the earnings are spent on dividend by LSBK. This is a low number and sustainable payout ratio.
DP29.01%
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 (7/18/2025, 8:00:01 PM)

15.79

-0.14 (-0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23
Earnings (Next)07-23 2025-07-23
Inst Owners8.54%
Inst Owner Change0%
Ins Owners3.14%
Ins Owner Change6.88%
Market Cap90.95M
Analysts0
Price TargetN/A
Short Float %0.22%
Short Ratio0.94
Dividend
Industry RankSector Rank
Dividend Yield 4.52%
Yearly Dividend0.19
Dividend Growth(5Y)-2.35%
DP29.01%
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 18.15
Fwd PE N/A
P/S 3.68
P/FCF 29.22
P/OCF 27.92
P/B 1
P/tB 1
EV/EBITDA N/A
EPS(TTM)0.87
EY5.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.54
FCFY3.42%
OCF(TTM)0.57
OCFY3.58%
SpS4.29
BVpS15.74
TBVpS15.74
PEG (NY)N/A
PEG (5Y)3.48
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 5.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.13%
GM N/A
FCFM 12.6%
ROA(3y)0.73%
ROA(5y)0.75%
ROE(3y)6.04%
ROE(5y)6.09%
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-Score7
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 62.59%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.54%
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)102.29%
Profit Quality(5y)109.77%
High Growth Momentum
Growth
EPS 1Y (TTM)22.74%
EPS 3Y-5.82%
EPS 5Y5.22%
EPS Q2Q%7.9%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.91%
Revenue growth 3Y-1.09%
Revenue growth 5Y2.48%
Sales Q2Q%5.98%
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-59.62%
FCF growth 3Y-31.84%
FCF growth 5Y-12.99%
OCF growth 1Y-59.93%
OCF growth 3Y-33.56%
OCF growth 5Y-15.55%