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LSBK Lake Shore Bancorp

Price (delayed)

$13.3981

Market cap

$76.87M

P/E Ratio

18.35

Dividend/share

$0.54

EPS

$0.73

Enterprise value

$38.79M

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 debt has plunged by 69% YoY and by 55% from the previous quarter
LSBK's equity is up by 10% year-on-year and by 3.4% since the previous quarter
The P/E is 21% higher than the 5-year quarterly average of 15.2 and 12% higher than the last 4 quarters average of 16.4
Lake Shore Bancorp's net income has decreased by 20% YoY and by 5% from the previous quarter

Key stats

What are the main financial stats of LSBK
Market
Shares outstanding
5.74M
Market cap
$76.87M
Enterprise value
$38.79M
Valuations
Price to earnings (P/E)
18.35
Price to book (P/B)
0.86
Price to sales (P/S)
3.03
EV/EBIT
7.14
EV/EBITDA
6.26
EV/Sales
1.53
Earnings
Revenue
$25.34M
Gross profit
$25.34M
Net income
$4.21M
EBIT
$5.43M
EBITDA
$6.2M
Free cash flow
$672,000
Per share
EPS
$0.73
EPS diluted
$0.73
Free cash flow per share
$0.12
Book value per share
$15.67
Revenue per share
$4.42
TBVPS
$121.6
Balance sheet
Total assets
$697.6M
Total liabilities
$607.72M
Debt
$11.9M
Equity
$89.88M
Working capital
N/A
Liquidity
Debt to equity
0.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.15
Margins
EBITDA margin
24.5%
Gross margin
100%
Net margin
16.6%
Operating margin
21.4%
Efficiency
Return on assets
0.6%
Return on equity
4.8%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
21.4%
Dividend
Dividend yield
4.03%
DPS
$0.54
Payout ratio
74%

LSBK stock price

How has the Lake Shore Bancorp stock price performed over time
Intraday
-1.56%
1 week
-3.19%
1 month
-4.03%
1 year
14.03%
YTD
14.42%
QTD
-0.68%

Financial performance

How have Lake Shore Bancorp's revenue and profit performed over time
Revenue
$25.34M
Gross profit
$25.34M
Operating income
$5.43M
Net income
$4.21M
Gross margin
100%
Net margin
16.6%
Lake Shore Bancorp's net income has decreased by 20% YoY and by 5% from the previous quarter
LSBK's operating income is down by 14% year-on-year and by 5% since the previous quarter
Lake Shore Bancorp's revenue has decreased by 11% YoY and by 2.7% QoQ
The company's gross profit fell by 11% YoY and by 2.7% QoQ

Growth

What is Lake Shore Bancorp's growth rate over time

Valuation

What is Lake Shore Bancorp stock price valuation
P/E
18.35
P/B
0.86
P/S
3.03
EV/EBIT
7.14
EV/EBITDA
6.26
EV/Sales
1.53
The P/E is 21% higher than the 5-year quarterly average of 15.2 and 12% higher than the last 4 quarters average of 16.4
Lake Shore Bancorp's EPS has decreased by 19% YoY and by 3.9% QoQ
LSBK's equity is up by 10% year-on-year and by 3.4% since the previous quarter
LSBK's P/B is 8% above its last 4 quarters average of 0.8 but 4.4% below its 5-year quarterly average of 0.9
The stock's price to sales (P/S) is 12% more than its last 4 quarters average of 2.7 but 2.3% less than its 5-year quarterly average of 3.1
Lake Shore Bancorp's revenue has decreased by 11% YoY and by 2.7% QoQ

Efficiency

How efficient is Lake Shore Bancorp business performance
LSBK's return on equity is down by 25% year-on-year and by 8% since the previous quarter
Lake Shore Bancorp's ROA has decreased by 14% YoY
The ROIC fell by 11% YoY
Lake Shore Bancorp's return on sales has decreased by 4% YoY and by 3.2% QoQ

Dividends

What is LSBK's dividend history
DPS
$0.54
Dividend yield
4.03%
Payout ratio
74%
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 3.8% YoY and by 2.6% from the previous quarter
The total assets has contracted by 2.2% YoY
Lake Shore Bancorp's debt is 87% less than its equity
Lake Shore Bancorp's debt to equity has plunged by 72% YoY and by 58% from the previous quarter
Lake Shore Bancorp's debt has plunged by 69% YoY and by 55% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.