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

NASDAQ:LSBK • US5107041098

Current stock price

15.92 USD
+0.04 (+0.22%)
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.
  • In the past year LSBK had a positive cash flow from operations.
  • LSBK had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.00%, LSBK is in line with its industry, outperforming 53.99% of the companies in the same industry.
  • LSBK has a worse Return On Equity (5.13%) than 81.91% of its industry peers.
Industry RankSector Rank
ROA 1%
ROE 5.13%
ROIC N/A
ROA(3y)0.79%
ROA(5y)0.81%
ROE(3y)5.4%
ROE(5y)6.05%
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

  • The Profit Margin of LSBK (26.11%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of LSBK has grown nicely.
  • The Operating Margin and Gross Margin are not available for LSBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.11%
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.
  • 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.
LSBK Yearly Shares OutstandingLSBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 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
WACC16.27%
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 2025 50M 100M

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 2025 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

  • LSBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 57.39%, which is quite impressive.
  • Measured over the past years, LSBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.54% on average per year.
  • The Revenue has grown by 14.25% in the past year. This is quite good.
  • LSBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.96% yearly.
EPS 1Y (TTM)57.39%
EPS 3Y10.84%
EPS 5Y11.54%
EPS Q2Q%37.04%
Revenue 1Y (TTM)14.25%
Revenue growth 3Y0.97%
Revenue growth 5Y3.96%
Sales Q2Q%14.01%

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 16.41, the valuation of LSBK can be described as correct.
  • Based on the Price/Earnings ratio, LSBK is valued a bit more expensive than the industry average as 78.19% of the companies are valued more cheaply.
  • LSBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.41
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

  • Based on the Price/Free Cash Flow ratio, LSBK is valued a bit more expensive than 68.88% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.78
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)1.42
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. LSBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.27%, LSBK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.55, LSBK has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, LSBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.27%

5.2 History

  • The dividend of LSBK has a limited annual growth rate of 4.26%.
  • LSBK has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.26%
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 23.06% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of LSBK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP23.06%
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 (4/30/2026, 8:00:34 PM)

15.92

+0.04 (+0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.93
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners27.84%
Inst Owner Change0%
Ins Owners2.58%
Ins Owner Change2.84%
Market Cap124.81M
Revenue(TTM)27.84M
Net Income(TTM)7.27M
Analysts0
Price TargetN/A
Short Float %0.61%
Short Ratio1.91
Dividend
Industry RankSector Rank
Dividend Yield 2.27%
Yearly Dividend0.21
Dividend Growth(5Y)4.26%
DP23.06%
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 16.41
Fwd PE N/A
P/S 4.48
P/FCF 16.78
P/OCF 15.61
P/B 0.88
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)0.97
EY6.09%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.95
FCFY5.96%
OCF(TTM)1.02
OCFY6.41%
SpS3.55
BVpS18.07
TBVpS18.07
PEG (NY)N/A
PEG (5Y)1.42
Graham Number19.8569 (24.73%)
Profitability
Industry RankSector Rank
ROA 1%
ROE 5.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.11%
GM N/A
FCFM 26.72%
ROA(3y)0.79%
ROA(5y)0.81%
ROE(3y)5.4%
ROE(5y)6.05%
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 91.5%
Cap/Sales 2.01%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 102.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.27%
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)91.27%
Profit Quality(5y)107.43%
High Growth Momentum
Growth
EPS 1Y (TTM)57.39%
EPS 3Y10.84%
EPS 5Y11.54%
EPS Q2Q%37.04%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.25%
Revenue growth 3Y0.97%
Revenue growth 5Y3.96%
Sales Q2Q%14.01%
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 1Y196.57%
FCF growth 3Y-1.28%
FCF growth 5Y7.42%
OCF growth 1Y218.9%
OCF growth 3Y-0.58%
OCF growth 5Y7.39%

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 16.41 and the Price/Book (PB) ratio is 0.88.


Can you provide the dividend sustainability for LSBK stock?

The dividend rating of LAKE SHORE BANCORP INC/MD (LSBK) is 5 / 10 and the dividend payout ratio is 23.06%.