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LSBK Lake Shore Bancorp
- Stocks
- Financial Services
- NASDAQ: LSBK
Price (delayed)
$14.97
Market cap
$85.82M
P/E Ratio
17.01
Dividend/share
$0.72
EPS
$0.88
Enterprise value
$66.17M
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
Highlights
Lake Shore Bancorp's EPS has increased by 21% QoQ and by 7% YoY
Lake Shore Bancorp's net income has increased by 17% from the previous quarter and by 2.3% YoY
Lake Shore Bancorp's debt has plunged by 65% YoY but it has increased by 13% from the previous quarter
Lake Shore Bancorp's revenue has decreased by 8% YoY but it has increased by 2% QoQ
The P/E is 15% higher than the 5-year quarterly average of 14.8
Key stats
What are the main financial stats of LSBK
Market
Valuations
Earnings
Shares outstanding
5.73M
Market cap
$85.82M
Enterprise value
$66.17M
Price to earnings (P/E)
17.01
Price to book (P/B)
0.96
Price to sales (P/S)
3.32
EV/EBIT
11.28
EV/EBITDA
10.02
EV/Sales
2.56
Revenue
$25.85M
Gross profit
$25.85M
Operating income
$5.87M
Net income
$4.93M
EBIT
$5.87M
EBITDA
$6.61M
Free cash flow
$2.55M
Per share
Balance sheet
Liquidity
EPS
$0.88
EPS diluted
$0.88
Free cash flow per share
$0.44
Book value per share
$15.66
Revenue per share
$4.51
TBVPS
$119.49
Total assets
$685.5M
Total liabilities
$595.64M
Debt
$13.48M
Equity
$89.87M
Working capital
N/A
Debt to equity
0.15
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.98
Margins
Efficiency
Dividend
EBITDA margin
25.6%
Gross margin
100%
Net margin
19.1%
Operating margin
22.7%
Return on assets
0.7%
Return on equity
5.6%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
22.7%
Dividend yield
4.81%
DPS
$0.72
Payout ratio
81.8%
LSBK stock price
How has the Lake Shore Bancorp stock price performed over time
Intraday
-0.2%
1 week
-1.62%
1 month
8.48%
1 year
21.41%
YTD
8.93%
QTD
-5.25%
Financial performance
How have Lake Shore Bancorp's revenue and profit performed over time
Revenue
$25.85M
Gross profit
$25.85M
Operating income
$5.87M
Net income
$4.93M
Gross margin
100%
Net margin
19.1%
Lake Shore Bancorp's net income has increased by 17% from the previous quarter and by 2.3% YoY
Lake Shore Bancorp's net margin has increased by 15% from the previous quarter and by 11% YoY
LSBK's operating income is up by 8% since the previous quarter but it is down by 6% year-on-year
Lake Shore Bancorp's revenue has decreased by 8% YoY but it has increased by 2% QoQ
Price vs fundamentals
How does LSBK's price correlate with its fundamentals
Growth
What is Lake Shore Bancorp's growth rate over time
Valuation
What is Lake Shore Bancorp stock price valuation
P/E
17.01
P/B
0.96
P/S
3.32
EV/EBIT
11.28
EV/EBITDA
10.02
EV/Sales
2.56
Lake Shore Bancorp's EPS has increased by 21% QoQ and by 7% YoY
The P/E is 15% higher than the 5-year quarterly average of 14.8
LSBK's P/B is 20% above its last 4 quarters average of 0.8 and 7% above its 5-year quarterly average of 0.9
LSBK's equity is up by 4.2% year-on-year
The stock's price to sales (P/S) is 19% more than its last 4 quarters average of 2.8 and 11% more than its 5-year quarterly average of 3.0
Lake Shore Bancorp's revenue has decreased by 8% YoY but it has increased by 2% QoQ
Efficiency
How efficient is Lake Shore Bancorp business performance
LSBK's return on equity is up by 17% since the previous quarter but it is down by 3.4% year-on-year
Lake Shore Bancorp's ROA has increased by 17% from the previous quarter
The ROIC rose by 13% QoQ
Lake Shore Bancorp's return on sales has increased by 6% QoQ and by 2.3% YoY
Dividends
What is LSBK's dividend history
DPS
$0.72
Dividend yield
4.81%
Payout ratio
81.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Lake Shore Bancorp financials performed over time
The total assets is 15% more than the total liabilities
LSBK's total liabilities is down by 7% YoY
The total assets has contracted by 5% YoY
Lake Shore Bancorp's debt is 85% less than its equity
Lake Shore Bancorp's debt to equity has plunged by 67% YoY but it has increased by 15% from the previous quarter
Lake Shore Bancorp's debt has plunged by 65% YoY but it has increased by 13% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.