LSBK Lake Shore Bancorp

Price (delayed)

$12.58

Market cap

$72.45M

P/E Ratio

14.3

Dividend/share

$4.62

EPS

$0.88

Enterprise value

$48.35M

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 77% YoY and by 53% from the previous quarter
Lake Shore Bancorp's EPS has increased by 24% YoY
Lake Shore Bancorp's revenue has decreased by 3.6% YoY
The company's gross profit fell by 3.6% YoY

Key stats

What are the main financial stats of LSBK
Market
Shares outstanding
5.76M
Market cap
$72.45M
Enterprise value
$48.35M
Valuations
Price to earnings (P/E)
14.3
Price to book (P/B)
0.8
Price to sales (P/S)
2.8
EV/EBIT
8.15
EV/EBITDA
7.29
EV/Sales
1.87
Earnings
Revenue
$25.79M
Gross profit
$25.79M
Operating income
$5.93M
Net income
$4.97M
EBIT
$5.93M
EBITDA
$6.63M
Free cash flow
$3.15M
Per share
EPS
$0.88
EPS diluted
$0.88
Free cash flow per share
$0.55
Book value per share
$15.81
Revenue per share
$4.5
TBVPS
$120.18
Balance sheet
Total assets
$689M
Total liabilities
$598.33M
Debt
$6.32M
Equity
$90.66M
Working capital
N/A
Liquidity
Debt to equity
0.07
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.63
Margins
EBITDA margin
25.7%
Gross margin
100%
Net margin
19.3%
Operating margin
23%
Efficiency
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
23%
Dividend
Dividend yield
36.75%
DPS
$4.62
Payout ratio
525.3%

LSBK stock price

How has the Lake Shore Bancorp stock price performed over time
Intraday
2.19%
1 week
3.45%
1 month
-20.78%
1 year
0%
YTD
-8.46%
QTD
-20.38%

Financial performance

How have Lake Shore Bancorp's revenue and profit performed over time
Revenue
$25.79M
Gross profit
$25.79M
Operating income
$5.93M
Net income
$4.97M
Gross margin
100%
Net margin
19.3%
Lake Shore Bancorp's net margin has increased by 25% YoY
Lake Shore Bancorp's net income has increased by 20% YoY
LSBK's operating margin is up by 13% YoY
LSBK's operating income is up by 9% year-on-year

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
14.3
P/B
0.8
P/S
2.8
EV/EBIT
8.15
EV/EBITDA
7.29
EV/Sales
1.87
Lake Shore Bancorp's EPS has increased by 24% YoY
The P/E is 16% lower than the last 4 quarters average of 17.1 and 3.4% lower than the 5-year quarterly average of 14.8
LSBK's P/B is 11% below its 5-year quarterly average of 0.9 and 11% below its last 4 quarters average of 0.9
LSBK's equity is up by 4.8% year-on-year
The stock's price to sales (P/S) is 10% less than its last 4 quarters average of 3.1 and 7% less than its 5-year quarterly average of 3.0
Lake Shore Bancorp's revenue has decreased by 3.6% YoY

Efficiency

How efficient is Lake Shore Bancorp business performance
Lake Shore Bancorp's ROA has increased by 17% YoY
LSBK's return on equity is up by 14% year-on-year
The ROIC rose by 13% YoY
Lake Shore Bancorp's return on sales has increased by 13% YoY

Dividends

What is LSBK's dividend history
DPS
$4.62
Dividend yield
36.75%
Payout ratio
525.3%
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 5% YoY
The total assets has contracted by 4% YoY
Lake Shore Bancorp's debt is 93% less than its equity
Lake Shore Bancorp's debt to equity has plunged by 78% YoY and by 53% from the previous quarter
Lake Shore Bancorp's debt has plunged by 77% YoY and by 53% from the previous quarter

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