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Lake Shore Bancorp, Inc. (LSBK)

Stock Price: $10.99 USD 0.00 (0.00%)
Updated Aug 14, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 64.36M
Revenue (ttm) 20.90M
Net Income (ttm) 4.47M
Shares Out 5.89M
EPS (ttm) 0.75
PE Ratio 14.65
Forward PE n/a
Dividend $0.48
Dividend Yield 4.37%

Stock Quote

Trading Day Aug 14, 2020
Last Price $10.99
Previous Close $10.99
Change ($) 0.00
Change (%) 0.00%
Day's Open 10.75
Day's Range 10.75 - 10.99
Day's Volume 11
52-Week Range 8.95 - 15.90

More Stats

Market Cap 64.36M
Enterprise Value 21.07M
Earnings Date (est) n/a
Ex-Dividend Date Aug 5, 2020
Shares Outstanding 5.89M
Float 1.57M
EPS (basic) 0.75
EPS (diluted) 0.75
FCF / Share 1.04
Dividend $0.48
Dividend Yield 4.37%
Earnings Yield 6.82%
FCF Yield 9.52%
Payout Ratio n/a
Shares Short 199
Short Ratio 0.01
Short % of Float n/a
Beta 0.57
PE Ratio 14.65
Forward PE n/a
P/FCF Ratio 10.50
PS Ratio 3.08
PB Ratio 0.77
Revenue 20.90M
Operating Income 5.20M
Net Income 4.47M
Free Cash Flow 6.13M
Net Cash 43.29M
Net Cash / Share 7.39
Gross Margin 98.85%
Operating Margin 24.88%
Profit Margin 21.40%
FCF Margin 29.32%
ROA 0.71%
ROE 5.38%
ROIC n/a
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$n/a*
*No analysts have provided price targets for this stock.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue20.6620.0218.9218.1717.1416.5417.0516.4216.3814.95
Revenue Growth3.22%5.79%4.15%6.02%3.58%-2.94%3.8%0.25%9.57%-
Gross Profit20.6620.0218.9218.1717.1416.5417.0516.4216.3814.95
Operating Income4.744.594.564.294.053.734.714.615.073.42
Net Income4.094.003.383.523.343.163.743.633.683.04
Shares Outstanding5.946.026.106.105.985.945.915.945.946.00
Earnings Per Share0.680.660.550.580.560.550.650.640.650.53
EPS Growth3.03%20%-5.17%3.57%1.82%-15.38%1.56%-1.54%22.64%-
Dividend Per Share0.360.400.320.280.280.280.280.250.280.24
Dividend Growth-10%25%14.29%0%0%0%12%-10.71%16.67%-
Operating Cash Flow5.846.115.834.294.964.355.386.756.154.90
Capital Expenditures-0.81-0.82-1.48-0.47-0.46-0.63-0.66-1.82-0.22-1.62
Free Cash Flow5.035.304.353.834.503.724.734.935.943.28
Cash & Equivalents30.2930.7540.9145.4834.2335.8117.2019.7723.7033.51
Total Debt37.8827.7829.9522.1324.4422.3722.9528.8137.2942.19
Net Cash / Debt-7.592.9710.9623.359.7913.45-5.75-9.04-13.58-8.67
Assets611546519489473487482482489479
Liabilities528466441413400416417415425424
Book Value82.8479.8078.3876.0373.8871.6365.2766.9963.9555.21
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Lake Shore Bancorp, Inc.
Country United States
Employees 110
CEO Daniel P. Reininga

Stock Information

Ticker Symbol LSBK
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: LSBK
IPO Date April 4, 2006

Description

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides retail and commercial banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club, passbook, and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts comprising 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 businesses. The company's loan portfolio consists of one-to four-family residential mortgages, home equity loans, commercial real estate loans, and construction loans; business installment loans, lines of credit, and other commercial loans; and consumer loans that include personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured and unsecured loans. As of February 6, 2020, it had 11 full-service branch locations in Western New York, including 5 locations in Chautauqua County and 6 locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.