LSBK - Lake Shore Bancorp Inc Stock Price, Fair Value and News

12.04USD+0.06 (+0.50%)Market Closed

Market Summary

USD12.04+0.06

Market Closed

0.50%

LSBK Alerts

1 major insider buys recently.

LSBK Stock Price

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LSBK RSI Chart

LSBK Valuation

Market Cap

68.4M

Price/Earnings (Trailing)

14.2

Price/Sales (Trailing)

2.03

EV/EBITDA

1.63

Price/Free Cashflow

11.77

LSBK Price/Sales (Trailing)

LSBK Profitability

EBT Margin

18.42%

Return on Equity

5.59%

Return on Assets

0.66%

Free Cashflow Yield

8.49%

LSBK Fundamentals

LSBK Revenue

Revenue (TTM)

33.8M

Rev. Growth (Yr)

15.29%

Rev. Growth (Qtr)

-1.24%

LSBK Earnings

Earnings (TTM)

4.8M

Earnings Growth (Yr)

-37.16%

Earnings Growth (Qtr)

-52.32%

Breaking Down LSBK Revenue

Last 7 days

4.4%

Last 30 days

7.0%

Last 90 days

2.0%

Trailing 12 Months

5.9%

How does LSBK drawdown profile look like?

LSBK Financial Health

Debt/Equity

0.41

Debt/Cashflow

0.18

LSBK Investor Care

Dividend Yield

5.81%

Dividend/Share (TTM)

0.68

Buy Backs (1Y)

0.15%

Diluted EPS (TTM)

0.83

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	28.8M	30.8M	32.6M	33.8M
2022	24.5M	24.8M	25.3M	26.8M
2021	24.1M	24.1M	24.7M	24.7M
2020	24.9M	25.1M	24.7M	24.3M
2019	22.1M	22.8M	23.6M	24.3M
2018	19.8M	20.3M	20.8M	21.5M
2017	17.9M	18.3M	18.9M	19.4M
2016	17.6M	17.5M	17.5M	17.5M
2015	17.7M	17.6M	17.7M	17.6M
2014	18.5M	18.4M	18.2M	17.9M
2013	19.2M	18.8M	18.6M	18.6M
2012	20.7M	20.5M	20.1M	19.6M
2011	20.1M	20.3M	20.6M	20.8M
2010	0	19.8M	19.8M	19.9M
2009	0	0	0	19.7M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Lake Shore Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 25, 2024	sanvidge kevin m.	bought	32,442	10.814	3,000	-
Apr 23, 2024	segarra ann m	acquired	-	-	131	-
Apr 23, 2024	liddell kim c	acquired	-	-	5,163	-
Apr 23, 2024	mcgrath john p	acquired	-	-	4,663	-
Apr 23, 2024	passafaro ronald j	acquired	-	-	5,708	-
Apr 23, 2024	werdein jeffrey m.	acquired	-	-	2,534	evp - commercial division
Apr 23, 2024	brautigam sharon e	acquired	-	-	731	-
Apr 23, 2024	gilden taylor m	acquired	-	-	4,177	chief financial officer
Apr 23, 2024	sanvidge kevin m.	acquired	-	-	1,190	-
Apr 23, 2024	debergalis michelle m	acquired	-	-	578	-

Which funds bought or sold LSBK recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 07, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	added	1.59	3,104	133,880	-%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 23, 2024	Global Retirement Partners, LLC	unchanged	-	-4,721	365,040	0.01%
Apr 18, 2024	Capital Advisors, Ltd. LLC	unchanged	-	-	-	-%
Mar 11, 2024	VANGUARD GROUP INC	added	6.28	115,939	631,427	-%
Feb 14, 2024	BANK OF AMERICA CORP /DE/	reduced	-54.64	-48,483	53,117	-%
Feb 14, 2024	BHZ CAPITAL MANAGEMENT, LP	new	-	157,324	157,324	0.08%
Feb 14, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	unchanged	-	41,256	337,257	0.01%
Feb 14, 2024	Royal Bank of Canada	new	-	1,000	1,000	-%

Are Funds Buying or Selling LSBK?

Are funds buying LSBK calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own LSBK

No. of Funds

LSBK Alerts

1 major insider buys recently.

Unveiling Lake Shore Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 01, 2022	stilwell joseph	1.76%	1e+05	SC 13G/A
Feb 01, 2021	stilwell joseph	5.03%	293,064	SC 13G

Recent SEC filings of Lake Shore Bancorp Inc

View All Filings

Date Filed	Form Type	Document
Apr 29, 2024	4	Insider Trading
Apr 25, 2024	4/A	Insider Trading
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	4	Insider Trading
Apr 25, 2024	4	Insider Trading

Peers (Alternatives to Lake Shore Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	561.8B	174.7B	-1.43%	43.42%	11.16	3.22	53.11%	19.83%
BAC	294.9B	127.4B	0.56%	36.33%	11.78	2.14	56.12%	-12.56%
WFC	213.5B	85.8B	5.95%	58.87%	11.37	2.49	35.02%	26.14%
C	119.7B	125.0B	1.65%	34.89%	14.97	0.96	37.85%	-
CFG	16.4B	10.4B	2.86%	37.97%	11.43	1.57	26.22%	-33.87%
KEY	14.2B	8.1B	-2.78%	54.53%	16.2	1.74	32.15%	-50.93%
MID-CAP
CMA	7.1B	4.2B	-0.20%	48.47%	10.28	1.68	34.68%	-45.96%
ZION	6.5B	4.1B	2.65%	80.71%	10.36	1.6	32.93%	-30.73%
ABCB	3.4B	1.3B	4.29%	69.14%	12.73	2.67	43.24%	-22.35%
ASB	3.4B	1.8B	4.48%	49.83%	21.01	1.66	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	399.1M	152.4M	-4.27%	48.11%	40.14	2.62	16.94%	-73.84%
AROW	395.5M	162.6M	1.49%	18.80%	13.15	2.43	25.39%	-38.37%
ACNB	273.7M	96.6M	-9.35%	14.97%	8.64	2.83	11.02%	-11.37%
ASRV	42.4M	60.9M	6.93%	-11.15%	-12.66	0.7	24.06%	-144.92%

Lake Shore Bancorp Inc News

Latest updates

Lake Shore Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	-1.2%	8,613	8,721	8,470	7,951	7,471	6,918	6,431	5,934	5,968	6,465	6,169	6,057	5,979	5,922	6,144	6,291	6,334	6,319	5,952	5,662	5,671
EBITDA Margin	-6.8%	0.91*	0.97*	1.04*	1.14*	1.17*	1.22*	1.22*	1.18*	1.20*	1.15*	1.11*	1.11*	1.04*	1.01*	-	-	-	-	-	-	-
Interest Expenses	-11.7%	5,558	6,295	6,214	6,291	6,548	6,345	5,978	5,468	5,456	5,837	5,431	5,270	5,090	4,908	5,038	4,896	4,896	4,953	4,683	4,538	4,660
Income Taxes	69.0%	561	332	237	269	246	372	337	207	404	359	226	299	243	226	233	122	186	191	127	151	127
Earnings Before Taxes	-31.2%	1,310	1,903	1,053	1,953	1,438	2,143	2,021	1,268	2,219	2,050	1,219	1,987	1,486	1,457	1,586	853	1,358	1,403	932	1,049	1,127
EBT Margin	-5.3%	0.18*	0.19*	0.21*	0.26*	0.26*	0.30*	0.30*	0.28*	0.30*	0.27*	0.25*	0.27*	0.22*	0.21*	-	-	-	-	-	-	-
Net Income	-52.3%	749	1,571	816	1,684	1,192	1,771	1,684	1,061	1,815	1,691	993	1,688	1,243	1,231	1,353	731	1,172	1,212	805	898	1,000
Net Income Margin	-11.5%	0.14*	0.16*	0.18*	0.22*	0.21*	0.25*	0.25*	0.23*	0.25*	0.23*	0.21*	0.23*	0.19*	0.18*	-	-	-	-	-	-	-
Free Cashflow	29.5%	1,553	1,199	1,809	1,253	1,677	2,142	2,636	1,275	1,972	2,682	1,980	1,290	1,044	1,355	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.6%	725	714	714	730	700	696	694	707	714	709	711	706	686	683	678	628	611	597	578	554	546
Cash Equivalents	16.8%	54.00	46.00	36.00	39.00	10.00	20.00	27.00	31.00	68.00	61.00	46.00	52.00	43.00	71.00	79.00	46.00	30.00	21.00	22.00	31.00	31.00
Net PPE	-2.2%	8.00	8.00	8.00	8.00	8.00	8.00	8.00	9.00	9.00	10.00	10.00	10.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00
Liabilities	1.1%	639	632	631	647	619	618	614	625	626	623	624	620	600	598	593	544	528	514	496	473	466
Short Term Borrowings	-	-	-	-	2.00	13.00	-	-	-	-	-	-	-	-	-	-	-	-	-	8.00	-	-
Long Term Debt	-3.3%	35.00	36.00	36.00	39.00	25.00	-	-	-	22.00	-	-	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	5.4%	86.00	82.00	83.00	83.00	81.00	78.00	81.00	83.00	88.00	86.00	86.00	86.00	86.00	85.00	85.00	84.00	83.00	82.00	82.00	81.00	80.00
Retained Earnings	1.0%	79.00	78.00	77.00	76.00	75.00	74.00	73.00	71.00	71.00	69.00	68.00	67.00	65.00	65.00	64.00	62.00	62.00	61.00	60.00	60.00	59.00
Additional Paid-In Capital	0.0%	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00	31.00
Shares Outstanding	-0.1%	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	-	-	-	-	-	-	-	-
Float	-	-	-	18.00	-	-	-	24.00	-	-	-	24.00	-	-	-	21.00	-	-	-	28.00	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	27.4%	1,580	1,240	1,986	1,399	1,854	2,248	2,691	1,412	2,124	2,871	2,043	1,513	1,163	1,442	1,612	1,386	1,521	2,275	1,737	303	2,275
Share Based Compensation	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	111
Cashflow From Investing	-105.2%	-420	8,134	11,980	-171	-12,243	-12,933	4,682	-36,710	2,024	14,745	-10,953	-11,558	-33,248	-11,166	-15,404	-2,319	-4,848	-20,147	-32,955	-6,780	-6,797
Cashflow From Financing	530.0%	6,571	1,043	-17,123	27,878	346	3,205	-10,983	-1,521	2,457	-2,437	2,751	19,030	3,921	1,999	47,117	16,183	13,058	16,653	21,889	6,832	-2,796
Dividend Payments	-	-	-	-	-	462	353	313	312	256	280	280	268	256	251	254	259	260	480	265	267	194
Buy Backs	-	2.00	-	-	56.00	-	-	-	-	159	897	547	652	155	550	511	377	381	255	672	111	668

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LSBK Income Statement

2023-12-31

Consolidated Statements of Income - USD ($)	12 Months Ended
Consolidated Statements of Income - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Interest Income
Loans, including fees	$ 30,009,000	$ 24,507,000
Investment securities, taxable	898,000	823,000
Investment securities, tax-exempt	1,043,000	1,245,000
Other	1,805,000	179,000
Total Interest Income	33,755,000	26,754,000
Interest Expense
Deposits	8,069,000	1,815,000
Short-term borrowings	87,000	49,000
Long-term debt	1,191,000	494,000
Other	50,000	57,000
Total Interest Expense	9,397,000	2,415,000
Net Interest Income	24,358,000	24,339,000
(Credit) Provision for Credit Losses	(1,043,000)	725,000
Net Interest Income After (Credit) Provision for Credit Losses	25,401,000	23,614,000
Non-Interest Income
Increase in cash surrender value of bank-owned life insurance	(761,000)	(341,000)
Unrealized gain (loss) on equity securities	11,000	(11,000)
Unrealized (loss) gain on interest rate swap	(58,000)	332,000
Recovery on previously impaired investment securities	7,000	15,000
Loss on sale of securities available for sale	(59,000)
Net loss on sale of loans		(18,000)
Other	82,000	95,000
Total Non-Interest Income	2,635,000	2,704,000
Non-Interest Expense
Salaries and employee benefits	11,254,000	9,854,000
Occupancy and equipment	2,911,000	3,054,000
Professional services	2,489,000	2,108,000
Data processing	1,745,000	1,422,000
Advertising	578,000	714,000
Postage and supplies	261,000	266,000
FDIC insurance	1,113,000	272,000
Other	1,466,000	1,758,000
Total Non-Interest Expense	21,817,000	19,448,000
Income before Income Taxes	6,219,000	6,870,000
Provision for income tax (benefit) expense	1,399,000	1,162,000
Net Income	$ 4,820,000	$ 5,708,000
Earnings per share: Basic	$ 0.82	$ 0.97
Earnings per share: Diluted	$ 0.82	0.97
Dividends declared per share		$ 0.68
Service Charges and Fees [Member]
Non-Interest Income
Non-interest income	$ 1,045,000	$ 1,104,000
Debit card fees [Member]
Non-Interest Income
Non-interest income	846,000	846,000
Total Non-Interest Income	$ 846,000	$ 846,000

About Lake Shore Bancorp Inc

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services in New York. The company 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. Its 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. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.

CEO	Mr. Kim C. Liddell
WEBSITE	https://lakeshoresavings.com
INDUSTRY	Banks Diversified
EMPLOYEES	113

Lake Shore Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Lake Shore Bancorp Inc? What does LSBK stand for in stocks?

LSBK is the stock ticker symbol of Lake Shore Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Lake Shore Bancorp Inc (LSBK)?

As of Wed May 08 2024, market cap of Lake Shore Bancorp Inc is 68.44 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of LSBK stock?

You can check LSBK's fair value in chart for subscribers.

What is the fair value of LSBK stock?

You can check LSBK's fair value in chart for subscribers. The fair value of Lake Shore Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Lake Shore Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for LSBK so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Lake Shore Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether LSBK is over valued or under valued. Whether Lake Shore Bancorp Inc is cheap or expensive depends on the assumptions which impact Lake Shore Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for LSBK.

What is Lake Shore Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 08 2024, LSBK's PE ratio (Price to Earnings) is 14.2 and Price to Sales (PS) ratio is 2.03. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. LSBK PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Lake Shore Bancorp Inc's stock?

In the past 10 years, Lake Shore Bancorp Inc has provided 0.024 (multiply by 100 for percentage) rate of return.