Lake Shore Bancorp, Inc. (LSBK)
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 |
Analyst Summary
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 20.66 | 20.02 | 18.92 | 18.17 | 17.14 | 16.54 | 17.05 | 16.42 | 16.38 | 14.95 |
| Revenue Growth | 3.22% | 5.79% | 4.15% | 6.02% | 3.58% | -2.94% | 3.8% | 0.25% | 9.57% | - |
| Gross Profit | 20.66 | 20.02 | 18.92 | 18.17 | 17.14 | 16.54 | 17.05 | 16.42 | 16.38 | 14.95 |
| Operating Income | 4.74 | 4.59 | 4.56 | 4.29 | 4.05 | 3.73 | 4.71 | 4.61 | 5.07 | 3.42 |
| Net Income | 4.09 | 4.00 | 3.38 | 3.52 | 3.34 | 3.16 | 3.74 | 3.63 | 3.68 | 3.04 |
| Shares Outstanding | 5.94 | 6.02 | 6.10 | 6.10 | 5.98 | 5.94 | 5.91 | 5.94 | 5.94 | 6.00 |
| Earnings Per Share | 0.68 | 0.66 | 0.55 | 0.58 | 0.56 | 0.55 | 0.65 | 0.64 | 0.65 | 0.53 |
| EPS Growth | 3.03% | 20% | -5.17% | 3.57% | 1.82% | -15.38% | 1.56% | -1.54% | 22.64% | - |
| Dividend Per Share | 0.36 | 0.40 | 0.32 | 0.28 | 0.28 | 0.28 | 0.28 | 0.25 | 0.28 | 0.24 |
| Dividend Growth | -10% | 25% | 14.29% | 0% | 0% | 0% | 12% | -10.71% | 16.67% | - |
| Operating Cash Flow | 5.84 | 6.11 | 5.83 | 4.29 | 4.96 | 4.35 | 5.38 | 6.75 | 6.15 | 4.90 |
| Capital Expenditures | -0.81 | -0.82 | -1.48 | -0.47 | -0.46 | -0.63 | -0.66 | -1.82 | -0.22 | -1.62 |
| Free Cash Flow | 5.03 | 5.30 | 4.35 | 3.83 | 4.50 | 3.72 | 4.73 | 4.93 | 5.94 | 3.28 |
| Cash & Equivalents | 30.29 | 30.75 | 40.91 | 45.48 | 34.23 | 35.81 | 17.20 | 19.77 | 23.70 | 33.51 |
| Total Debt | 37.88 | 27.78 | 29.95 | 22.13 | 24.44 | 22.37 | 22.95 | 28.81 | 37.29 | 42.19 |
| Net Cash / Debt | -7.59 | 2.97 | 10.96 | 23.35 | 9.79 | 13.45 | -5.75 | -9.04 | -13.58 | -8.67 |
| Assets | 611 | 546 | 519 | 489 | 473 | 487 | 482 | 482 | 489 | 479 |
| Liabilities | 528 | 466 | 441 | 413 | 400 | 416 | 417 | 415 | 425 | 424 |
| Book Value | 82.84 | 79.80 | 78.38 | 76.03 | 73.88 | 71.63 | 65.27 | 66.99 | 63.95 | 55.21 |
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.