LSBK Lake Shore Bancorp
Price (delayed)
$16.0078
Market cap
$91.84M
P/E Ratio
21.93
Dividend/share
$0.72
EPS
$0.73
Enterprise value
$53.76M
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 48% higher than the 5-year quarterly average of 14.8 and 34% 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
Valuations
Earnings
Shares outstanding
5.74M
Market cap
$91.84M
Enterprise value
$53.76M
Price to earnings (P/E)
21.93
Price to book (P/B)
1.02
Price to sales (P/S)
3.62
EV/EBIT
9.9
EV/EBITDA
8.68
EV/Sales
2.12
Revenue
$25.34M
Gross profit
$25.34M
Operating income
$5.43M
Net income
$4.21M
EBIT
$5.43M
EBITDA
$6.2M
Free cash flow
$672,000
Per share
Balance sheet
Liquidity
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
Total assets
$697.6M
Total liabilities
$607.72M
Debt
$11.9M
Equity
$89.88M
Working capital
N/A
Debt to equity
0.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.15
Margins
Efficiency
Dividend
EBITDA margin
24.5%
Gross margin
100%
Net margin
16.6%
Operating margin
21.4%
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 yield
4.5%
DPS
$0.72
Payout ratio
98.6%
LSBK stock price
How has the Lake Shore Bancorp stock price performed over time
Intraday
1.32%
1 week
0.05%
1 month
16.59%
1 year
39.08%
YTD
16.48%
QTD
16.48%
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
21.93
P/B
1.02
P/S
3.62
EV/EBIT
9.9
EV/EBITDA
8.68
EV/Sales
2.12
The P/E is 48% higher than the 5-year quarterly average of 14.8 and 34% 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 P/B is 28% above its last 4 quarters average of 0.8 and 13% above its 5-year quarterly average of 0.9
LSBK's equity is up by 10% year-on-year and by 3.4% since the previous quarter
The stock's price to sales (P/S) is 34% more than its last 4 quarters average of 2.7 and 21% more than its 5-year quarterly average of 3.0
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
$0.72
Dividend yield
4.5%
Payout ratio
98.6%
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.