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LSBK

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

12.33USD0.00 (0.00%)Delayed

Market Summary

LSBK
USD12.330.00
Delayed
0.00%

LSBK Alerts

  • 1 major insider buys recently.

LSBK Stock Price

View Fullscreen

LSBK RSI Chart

LSBK Valuation

Market Cap

70.7M

Price/Earnings (Trailing)

17.05

Price/Sales (Trailing)

2.06

EV/EBITDA

1.43

Price/Free Cashflow

15.64

LSBK Price/Sales (Trailing)

LSBK Profitability

EBT Margin

15.87%

Return on Equity

4.8%

Return on Assets

0.58%

Free Cashflow Yield

6.4%

LSBK Fundamentals

LSBK Revenue

Revenue (TTM)

34.4M

Rev. Growth (Yr)

8.28%

Rev. Growth (Qtr)

-0.05%

LSBK Earnings

Earnings (TTM)

4.2M

Earnings Growth (Yr)

-39.79%

Earnings Growth (Qtr)

35.38%

Breaking Down LSBK Revenue

Last 7 days

5.3%

Last 30 days

9.6%

Last 90 days

3.3%

Trailing 12 Months

6.6%

How does LSBK drawdown profile look like?

LSBK Financial Health

Debt/Equity

0.29

Debt/Cashflow

0.19

LSBK Investor Care

Dividend Yield

5.68%

Dividend/Share (TTM)

0.7

Shares Dilution (1Y)

0.77%

Diluted EPS (TTM)

0.71

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
202434.4M000
202328.8M30.8M32.6M33.8M
202224.5M24.8M25.3M26.8M
202124.1M24.1M24.7M24.7M
202024.9M25.1M24.7M24.3M
201922.1M22.8M23.6M24.3M
201819.8M20.3M20.8M21.5M
201717.9M18.3M18.9M19.4M
201617.6M17.5M17.5M17.5M
201517.7M17.6M17.7M17.6M
201418.5M18.4M18.2M17.9M
201319.2M18.8M18.6M18.6M
201220.7M20.5M20.1M19.6M
201120.1M20.3M20.6M20.8M
2010019.8M19.8M19.9M
200900019.7M
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 ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
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
-

1–10 of 50

Which funds bought or sold LSBK recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
May 15, 2024
MORGAN STANLEY
reduced
-0.01
-1,011
105,765
 -%
May 15, 2024
FIRST MANHATTAN CO. LLC.
unchanged
-
-2,035
214,681
 -%
May 15, 2024
BANK OF AMERICA CORP /DE/
reduced
-0.79
-917
52,200
 -%
May 15, 2024
Tower Research Capital LLC (TRC)
reduced
-37.16
-1,154
1,902
 -%
May 15, 2024
BRIDGEWAY CAPITAL MANAGEMENT, LLC
unchanged
-
2,596
339,853
 0.01%
May 15, 2024
Royal Bank of Canada
reduced
-30.71
-
1,000
 -%
May 14, 2024
Farther Finance Advisors, LLC
new
-
11,840
11,840
 -%
May 14, 2024
SRS Capital Advisors, Inc.
new
-
4,712
4,712
 -%
May 14, 2024
Minerva Advisors LLC
unchanged
-
2,711
349,369
 0.21%
May 14, 2024
M3F, Inc.
added
22.81
260,000
1,457,000
 0.52%

1–10 of 22

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

Unveiling Lake Shore Bancorp Inc's Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm 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
May 15, 2024
10-Q
Quarterly Report
Apr 29, 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
Apr 25, 2024
4
Insider Trading

Peers (Alternatives to Lake Shore Bancorp Inc)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
JPM
588.1B
174.7B
 13.73% 46.82%
11.68
3.37
 53.11% 19.83%
BAC
307.4B
137.9B
 11.58% 38.08%
12.28
2.23
 56.12% -12.56%
WFC
213.0B
85.8B
 6.86% 51.95%
11.35
2.48
 35.02% 26.14%
C
122.2B
125.0B
 10.16% 38.13%
15.29
0.98
 37.85% -
CFG
16.9B
10.4B
 12.51% 41.04%
11.81
1.62
 26.22% -33.87%
KEY
14.5B
8.1B
 6.72% 53.23%
16.61
1.78
 32.15% -50.93%
MID-CAP
CMA
7.3B
4.2B
 10.08% 41.38%
10.46
1.71
 34.68% -45.96%
ZION
6.6B
4.1B
 14.23% 65.05%
10.55
1.63
 32.93% -30.73%
ABCB
3.5B
1.3B
 13.35% 57.95%
12.32
2.65
 30.60% -12.99%
ASB
3.4B
2.0B
 11.57% 43.03%
20.88
1.65
 47.11% -59.32%
SMALL-CAP
AMNB
497.6M
120.2M
 6.68% 49.76%
19.02
4.14
 45.65% -13.98%
AROW
417.1M
173.1M
 15.06% 27.00%
14.3
2.41
 26.54% -34.86%
ALRS
390.4M
152.4M
 -0.90% 32.84%
39.27
2.56
 16.94% -73.84%
ACNB
295.5M
98.7M
 10.19% 20.01%
10.04
2.99
 6.27% -22.90%
ASRV
48.0M
62.5M
 8.95% -1.75%
-16.24
0.77
 18.83% -145.18%

Lake Shore Bancorp Inc News

Latest updates
MSN • 17 May 2024 • 12:25 pm
LSBK Stock Earnings: Lake Shore Bancorp Reported Results for Q1 2024
Yahoo Lifestyle UK • 14 May 2024 • 01:07 am
Something To Consider Before Buying Lake Shore Bancorp, Inc. (NASDAQ:LSBK) For The 3.2% Dividend
Yahoo Canada Shine On • 08 May 2024 • 01:30 am
Is It Smart To Buy Lake Shore Bancorp, Inc. (NASDAQ:LSBK) Before It Goes Ex-Dividend?
Investing.com • 29 Apr 2024 • 07:00 am
Lake Shore Bancorp chairman buys $32442 in company stock
GlobeNewswire • 26 Apr 2024 • 07:00 am
Lake Shore Bancorp, Inc. Declares First Quarter 2024 Dividend
The Washington Post • 22 Apr 2024 • 05:16 pm
Lake Shore Bancorp: Q1 Earnings Snapshot - The Washington Post
GlobeNewswire • 3 months ago
Lake Shore Bancorp, Inc. Announces 2023 Fourth Quarter and Year End Financial Results
Yahoo Finance • 9 months ago
Lake Shore Bancorp Appoints Taylor Gilden as Chief Financial Officer; Names Rachel Foley Chief Operating Officer

Lake Shore Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Thousands)
Income Statement (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Revenue0.0%8,6098,6138,7218,4707,9517,4716,9186,4315,9345,9686,4656,1696,0575,9795,9226,1446,2916,3346,3195,9525,662
EBITDA Margin-8.1%0.83*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*-------
Interest Expenses-7.6%5,1335,5586,2956,2146,2916,5486,3455,9785,4685,4565,8375,4315,2705,0904,9085,0384,8964,8964,9534,6834,538
Income Taxes-67.4%183561332237269246372337207404359226299243226233122186191127151
Earnings Before Taxes-8.6%1,1971,3101,9031,0531,9531,4382,1432,0211,2682,2192,0501,2191,9871,4861,4571,5868531,3581,4039321,049
EBT Margin-13.8%0.16*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*-------
Net Income35.4%1,0147491,5718161,6841,1921,7711,6841,0611,8151,6919931,6881,2431,2311,3537311,1721,212805898
Net Income Margin-15.5%0.12*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*-------
Free Cashflow-102.4%-37.001,5531,1991,8091,2531,7462,1422,6361,2751,9722,6821,9801,2901,044-------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Assets-1.0%718725714714730700696694707714709711706686683678628611597578554
    Cash Equivalents2.3%55.0054.0046.0036.0039.0010.0020.0027.0031.0068.0061.0046.0052.0043.0071.0079.0046.0030.0021.0022.0031.00
  Net PPE-2.4%8.008.008.008.008.008.008.008.009.009.0010.0010.0010.009.009.009.009.009.009.009.009.00
Liabilities-1.2%631639632631647619618614625626623624620600598593544528514496473
  Short Term Borrowings-----2.0013.00-------------8.00-
  Long Term Debt-28.4%25.0035.0036.0036.0039.0025.00---22.00-----------
Shareholder's Equity0.3%87.0086.0082.0083.0083.0081.0078.0081.0083.0088.0086.0086.0086.0086.0085.0085.0084.0083.0082.0082.0081.00
  Retained Earnings1.3%80.0079.0078.0077.0076.0075.0074.0073.0071.0071.0069.0068.0067.0065.0065.0064.0062.0062.0061.0060.0060.00
  Additional Paid-In Capital0.0%31.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.0031.00
Shares Outstanding0.0%6.006.006.006.006.006.006.006.006.006.006.006.006.006.00-------
Float----18.00---24.00---24.00---21.00---28.00-
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Cashflow From Operations-102.0%-32.001,5801,2401,9861,3991,8542,2482,6911,4122,1242,8712,0431,5131,1631,4421,6121,3861,5212,2751,737303
Cashflow From Investing2102.6%8,411-4208,13411,980-171-12,243-12,9334,682-36,7102,02414,745-10,953-11,558-33,248-11,166-15,404-2,319-4,848-20,147-32,955-6,780
Cashflow From Financing-208.9%-7,1566,5711,043-17,12327,8783463,205-10,983-1,5212,457-2,4372,75119,0303,9211,99947,11716,18313,05816,65321,8896,832
  Dividend Payments------462353313312256280280268256251254259260480265267
  Buy Backs750.0%17.002.00--56.00----159897547652155550511377381255672111
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LSBK Income Statement

2024-03-31
Consolidated Statements of Income - USD ($)
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Interest Income  
Loans, including fees$ 7,586,000$ 7,247,000
Investment securities, taxable208,000228,000
Investment securities, tax-exempt217,000310,000
Interest-earning deposits & federal funds sold598,000166,000
Total Interest Income8,609,0007,951,000
Interest Expense  
Deposits3,244,0001,313,000
Short-term borrowings 78,000
Long-term debt220,000256,000
Finance lease and Other12,00013,000
Total Interest Expense3,476,0001,660,000
Net Interest Income5,133,0006,291,000
(Credit) Provision for Credit Losses(352,000)(625,000)
Net Interest Income After (Credit) Provision for Credit Losses5,485,0006,916,000
Non-Interest Income  
Increase in cash surrender value of bank-owned life insurance215,000105,000
Unrealized gain on equity securities11,0001,000
Unrealized (loss) on interest rate swap (49,000)
Recovery on previously impaired investment securities 2,000
Other21,00017,000
Total Non-Interest Income707,000554,000
Non-Interest Expense  
Salaries and employee benefits2,757,0002,779,000
Occupancy and equipment703,000797,000
Data processing453,000378,000
Professional services327,000850,000
Advertising51,000178,000
FDIC insurance279,00095,000
Postage and supplies75,00068,000
Other350,000372,000
Total Non-Interest Expense4,995,0005,517,000
Income before Income Taxes1,197,0001,953,000
Income Tax Expense183,000269,000
Net Income$ 1,014,000$ 1,684,000
Earnings per share: Basic$ 0.17$ 0.29
Earnings per share: Diluted0.17$ 0.29
Dividends declared per share$ 0.18 
Service Charges and Fees [Member]  
Non-Interest Income  
Non-interest income$ 265,000$ 273,000
Debit card fees [Member]  
Non-Interest Income  
Non-interest income$ 195,000$ 205,000

LSBK Balance Sheet

2024-03-31
Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Assets  
Cash and due from banks$ 4,200$ 4,648
Interest earning deposits50,75349,082
Cash and Cash Equivalents54,95353,730
Securities available for sale, at fair value58,68260,442
Federal Home Loan Bank stock, at cost1,8432,293
Loans receivable, net of allowance for credit losses of $6,237 in 2024 and $6,463 in 2023555,455555,828
Premises and equipment, net7,6817,870
Accrued interest receivable2,9832,835
Bank owned life insurance29,56929,355
Other assets6,41612,765
Total Assets717,582725,118
Liabilities  
Deposits: Interest bearing500,435495,738
Deposits: Non-interest bearing94,26995,186
Total Deposits594,704590,924
Long term debt25,25035,250
Advances from borrowers for taxes and insurance2,4103,307
Other liabilities8,7089,364
Total Liabilities631,072638,845
Stockholders' Equity  
Common stock, $0.01 par value per share, 25,000,000 shares authorized; 6,836,514 shares issued and 5,684,784 shares outstanding at March 31, 2024 and 6,836,514 shares issued and 5,686,288 shares outstanding at December 31, 20236868
Additional paid-in capital31,46331,456
Treasury stock, at cost (1,151,730 shares at March 31, 2024 and 1,150,226 shares at December 31, 2023)(13,777)(13,760)
Unearned shares held by ESOP(1,002)(1,023)
Unearned shares held by compensation plans(29)(39)
Retained earnings79,97078,956
Accumulated other comprehensive loss(10,183)(9,385)
Total Stockholders' Equity86,51086,273
Total Liabilities and Stockholders' Equity$ 717,582$ 725,118

About Lake Shore Bancorp Inc

LSBK
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
 WEBSITEhttps://lakeshoresavings.com
 INDUSTRYBanks Diversified
 EMPLOYEES113

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 Thu May 16 2024, market cap of Lake Shore Bancorp Inc is 70.74 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 Thu May 16 2024, LSBK's PE ratio (Price to Earnings) is 17.05 and Price to Sales (PS) ratio is 2.06. 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 0.022 (multiply by 100 for percentage) rate of return.