Lake Shore Bancorp, Inc. (LSBK) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Lake Shore Bancorp, Inc. functions as the parent entity for Lake Shore Savings Bank, through which it delivers a comprehensive array of banking and financial services. The bank provides a diverse selection of deposit products, including various savings accounts (such as specialized Christmas Club accounts and standard statement savings), money market accounts, both interest-bearing and non-interest-bearing checking accounts (like demand deposits), health savings accounts, ret...
Analysis Summary
Lake Shore Bancorp, Inc. reported revenue of $39.6M in the most recent fiscal year, growing at a 5-year CAGR of 7.7%. Net income reached $7.3M, with a 9.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 74.1%, operating margin 25.2%, net margin 20.7%. Free cash flow grew at 7.4% CAGR over 5 years.
At the current price of $18.10, LSBK trades at a P/E of 16.35 and an ROE of 5.91%. Market capitalisation stands at $142M.
Balance sheet quality for LSBK: current ratio of 200.9, net cash position of $115.5M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $7.4M represents 102% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $18.10 |
| Market Cap | $142M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 16.35 |
| Price / Book | 0.95 |
| EV / EBITDA | 12.56 |
| Dividend Yield | 1.97% |
Profitability
| Return on Equity | 5.91% |
| Return on Invested Capital | 1.14% |
| Return on Assets | 1.14% |
| Gross Margin | 74.15% |
| Operating Margin | 25.20% |
| Net Margin | 20.74% |
Financial Health
| Debt / Equity | 0.00 |
| Current Ratio | 0.00 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| LSBK | Lake Shore Bancorp, Inc. | $142M | 16.35 | 0.95 | 5.9% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price Performance
| 1 month | +5.72% |
| 3 months | +4.02% |
| Year-to-date | +23.47% |
| 1 year | +38.70% |
| 3 years | +140.05% |
| 5 years | +64.55% |
52-Week Range
| 52-week High | $19.09 |
| 52-week Low | $12.50 |
| Avg Volume (90d) | 12K |
Related companies: AFBI · BSBK · FGBI · MGYR · PROV · RBKB · RVSB
Explore sector: Financial Services · Banks - Regional
More sections of LSBK: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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