LAKE SHORE BANCORP INC/MD (LSBK) Stock Fundamental Analysis
USA - NASDAQ:LSBK - US5107041098 - Common Stock
14.35 USD
-0.04 (-0.28%)
We assign a fundamental rating of 3 out of 10 to LSBK. LSBK was compared to 388 industry peers in the Banks industry. LSBK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. LSBK is valued expensive and it does not seem to be growing.
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.
LSBK had positive earnings in each of the past 5 years.
Each year in the past 5 years LSBK had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.79%, LSBK perfoms like the industry average, outperforming 42.78% of the companies in the same industry.
The Return On Equity of LSBK (6.22%) is worse than 69.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 6.22% | ||
| 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
LSBK has a Profit Margin (22.48%) which is comparable to the rest of the industry.
LSBK's Profit Margin has been stable 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.48% | ||
| 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.
Compared to 1 year ago, LSBK has more shares outstanding
Compared to 5 years ago, LSBK has less shares outstanding
LSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
LSBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 75.01%, which is quite impressive.
LSBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.30% yearly.
Looking at the last year, LSBK shows a quite strong growth in Revenue. The Revenue has grown by 10.23% in the last 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)75.01%
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
Based on the Price/Earnings ratio of 15.94, the valuation of LSBK can be described as correct.
Based on the Price/Earnings ratio, LSBK is valued a bit more expensive than 72.94% of the companies in the same industry.
LSBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.94 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, LSBK is valued a bit more expensive than the industry average as 76.80% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.01
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.30%, LSBK has a reasonable but not impressive dividend return.
LSBK's Dividend Yield is slightly below the industry average, which is at 3.38.
With a Dividend Yield of 1.30, LSBK pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
5.2 History
The dividend of LSBK decreases each year by -8.11%.
LSBK has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-8.11%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
18.73% of the earnings are spent on dividend by LSBK. This is a low number and sustainable payout ratio.
DP18.73%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:LSBK (11/12/2025, 8:00:00 PM)
14.35
-0.04 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners14.22%
Inst Owner Change29.79%
Ins Owners2.3%
Ins Owner Change0%
Market Cap112.36M
Revenue(TTM)26.94M
Net Income(TTM)5.78M
Analysts0
Price TargetN/A
Short Float %0.41%
Short Ratio0.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
Yearly Dividend0.14
Dividend Growth(5Y)-8.11%
DP18.73%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.94 | ||
| Fwd PE | N/A | ||
| P/S | 4.37 | ||
| P/FCF | 28.47 | ||
| P/OCF | 25.1 | ||
| P/B | 1.21 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.9
EY6.27%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.5
FCFY3.51%
OCF(TTM)0.57
OCFY3.98%
SpS3.28
BVpS11.86
TBVpS11.86
PEG (NY)N/A
PEG (5Y)3.01
Graham Number15.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 6.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.48% | ||
| GM | N/A | ||
| FCFM | 15.36% |
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
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 3Y-6.28%
PM growth 5Y1.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector 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 | 68.31% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC15.95%
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)75.01%
EPS 3Y-5.62%
EPS 5Y5.3%
EPS Q2Q%33.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.23%
Revenue growth 3Y-1.09%
Revenue growth 5Y2.48%
Sales Q2Q%20.26%
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-42.73%
FCF growth 3Y-31.84%
FCF growth 5Y-12.99%
OCF growth 1Y-39.76%
OCF growth 3Y-33.56%
OCF growth 5Y-15.55%
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 of LAKE SHORE BANCORP INC/MD (LSBK) stock?
ChartMill assigns a valuation rating of 1 / 10 to LAKE SHORE BANCORP INC/MD (LSBK). This can be considered as Overvalued.
How profitable is LAKE SHORE BANCORP INC/MD (LSBK) stock?
LAKE SHORE BANCORP INC/MD (LSBK) has a profitability rating of 3 / 10.
How sustainable is the dividend of LAKE SHORE BANCORP INC/MD (LSBK) stock?
The dividend rating of LAKE SHORE BANCORP INC/MD (LSBK) is 3 / 10 and the dividend payout ratio is 18.73%.