LAKE SHORE BANCORP INC/MD (LSBK) Stock Fundamental Analysis
USA - NASDAQ:LSBK - US5107041098 - Common Stock
13.99 USD
+0.17 (+1.23%)
We assign a fundamental rating of 3 out of 10 to LSBK. LSBK was compared to 390 industry peers in the Banks industry. While LSBK seems to be doing ok healthwise, there are quite some concerns on its profitability. LSBK is valued expensive and it does not seem to be growing.
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.
Each year in the past 5 years LSBK has been profitable.
LSBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
LSBK has a Return On Assets (0.79%) which is in line with its industry peers.
LSBK's Return On Equity of 6.22% is on the low side compared to the rest of the industry. LSBK is outperformed by 68.97% 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
The Profit Margin of LSBK (22.48%) 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) | 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.
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
WACC16.16%
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 42.34%, 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.
LSBK shows a small growth in Revenue. In the last year, the Revenue has grown by 2.06%.
The Revenue has been growing slightly by 2.48% on average over the past years.
EPS 1Y (TTM)42.34%
EPS 3Y-5.62%
EPS 5Y5.3%
EPS Q2Q%78.95%
Revenue 1Y (TTM)2.06%
Revenue growth 3Y-1.09%
Revenue growth 5Y2.48%
Sales Q2Q%16.5%
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
With a Price/Earnings ratio of 18.65, LSBK is valued on the expensive side.
Based on the Price/Earnings ratio, LSBK is valued a bit more expensive than 79.23% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.11, LSBK is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.65 | ||
| 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 76.92% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.52
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
LSBK has a Yearly Dividend Yield of 1.30%.
Compared to an average industry Dividend Yield of 3.51, LSBK is paying slightly less dividend.
With a Dividend Yield of 1.30, LSBK pays less dividend than the S&P500 average, which is at 2.37.
| 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 (11/3/2025, 2:46:03 PM)
13.99
+0.17 (+1.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners14.22%
Inst Owner Change11.17%
Ins Owners2.3%
Ins Owner Change0%
Market Cap109.54M
Revenue(TTM)25.69M
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 | 18.65 | ||
| Fwd PE | N/A | ||
| P/S | 4.26 | ||
| P/FCF | 27.76 | ||
| P/OCF | 24.47 | ||
| P/B | 1.18 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY5.36%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.5
FCFY3.6%
OCF(TTM)0.57
OCFY4.09%
SpS3.28
BVpS11.86
TBVpS11.86
PEG (NY)N/A
PEG (5Y)3.52
Graham Number14.15
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
WACC16.16%
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)42.34%
EPS 3Y-5.62%
EPS 5Y5.3%
EPS Q2Q%78.95%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.06%
Revenue growth 3Y-1.09%
Revenue growth 5Y2.48%
Sales Q2Q%16.5%
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%.