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NASDAQ: LSBK
Lake Shore Bancorp Inc Stock

$12.15-0.18 (-1.46%)
Updated May 20, 2024
LSBK Price
$12.15
Fair Value Price
$21.94
Market Cap
$69.70M
52 Week Low
$9.51
52 Week High
$12.33
P/E
17.11x
P/B
0.81x
P/S
2.46x
PEG
15.96x
Dividend Yield
1.48%
Revenue
$26.76M
Earnings
$4.15M
Gross Margin
100%
Operating Margin
20.42%
Profit Margin
15.5%
Debt to Equity
7.3
Operating Cash Flow
$5M
Beta
0.29
Next Earnings
May 22, 2024
Ex-Dividend
N/A
Next Dividend
N/A

LSBK Overview

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.

Zen Score

Industry Average (31)
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Due Diligence Checks

LSBK ($12.15) is undervalued by 44.62% relative to our estimate of its Fair Value price of $21.94 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
LSBK ($12.15) is significantly undervalued by 44.62% relative to our estimate of its Fair Value price of $21.94 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
LSBK ($12.15) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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LSBK News

Valuation

LSBK fair value

Fair Value of LSBK stock based on Discounted Cash Flow (DCF)
Price
$12.15
Fair Value
$21.94
Undervalued by
44.62%
LSBK ($12.15) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
LSBK ($12.15) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
LSBK ($12.15) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

LSBK price to earnings (PE)

For valuing profitable companies with steady earnings
Company
17.11x
Industry
-8.74x
Market
31.12x
LSBK is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
LSBK is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

LSBK price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.81x
Industry
1.05x
LSBK is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

LSBK price to earnings growth (PEG)

For valuing profitable companies with growth potential
LSBK is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

LSBK's financial health

Profit margin

Revenue
$6.2M
Net Income
$1.0M
Profit Margin
16.4%
LSBK's Earnings (EBIT) of $5.46M... subscribe to Premium to read more.
Interest Coverage Financials
LSBK's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$717.6M
Liabilities
$631.1M
Debt to equity
7.3
LSBK's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
LSBK's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
-$32.0k
Investing
$8.4M
Financing
-$7.2M
LSBK's operating cash flow ($4.77M)... subscribe to Premium to read more.
Debt Coverage Financials

LSBK vs Bank Stocks

TickerMarket Cap1d %P/EP/B
LSBK$69.70M-1.46%17.11x0.81x
BRBS$70.10M+0.99%-0.99x0.39x
MGYR$72.93M0.00%9.22x0.68x
PBHC$74.18M-0.73%8.56x0.61x
AUBN$65.16M-1.58%81.09x0.87x

Lake Shore Bancorp Stock FAQ

What is Lake Shore Bancorp's quote symbol?

(NASDAQ: LSBK) Lake Shore Bancorp trades on the NASDAQ under the ticker symbol LSBK. Lake Shore Bancorp stock quotes can also be displayed as NASDAQ: LSBK.

If you're new to stock investing, here's how to buy Lake Shore Bancorp stock.

What is the 52 week high and low for Lake Shore Bancorp (NASDAQ: LSBK)?

(NASDAQ: LSBK) Lake Shore Bancorp's 52-week high was $12.33, and its 52-week low was $9.51. It is currently -1.46% from its 52-week high and 27.76% from its 52-week low.

How much is Lake Shore Bancorp stock worth today?

(NASDAQ: LSBK) Lake Shore Bancorp currently has 5,737,036 outstanding shares. With Lake Shore Bancorp stock trading at $12.15 per share, the total value of Lake Shore Bancorp stock (market capitalization) is $69.70M.

Lake Shore Bancorp stock was originally listed at a price of $10.71 in Apr 5, 2006. If you had invested in Lake Shore Bancorp stock at $10.71, your return over the last 18 years would have been 13.45%, for an annualized return of 0.7% (not including any dividends or dividend reinvestments).

How much is Lake Shore Bancorp's stock price per share?

(NASDAQ: LSBK) Lake Shore Bancorp stock price per share is $12.15 today (as of May 20, 2024).

What is Lake Shore Bancorp's Market Cap?

(NASDAQ: LSBK) Lake Shore Bancorp's market cap is $69.70M, as of May 22, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Lake Shore Bancorp's market cap is calculated by multiplying LSBK's current stock price of $12.15 by LSBK's total outstanding shares of 5,737,036.
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