Financhill
Buy
85

LSBK Quote, Financials, Valuation and Earnings

Last price:
$14.92
Seasonality move :
2.44%
Day range:
$14.79 - $14.92
52-week range:
$11.50 - $16.95
Dividend yield:
2.44%
P/E ratio:
16.51x
P/S ratio:
2.90x
P/B ratio:
0.78x
Volume:
1.9K
Avg. volume:
15.3K
1-year change:
8.67%
Market cap:
$108.1M
Revenue:
$38M
EPS (TTM):
$0.90

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
LSBK
Lake Shore Bancorp, Inc.
-- -- -- -- --
AX
Axos Financial, Inc.
$319.2M $1.88 -28.52% 15.32% $102.42
BYFC
Broadway Financial Corp. (California)
-- -- -- -- --
CASH
Pathward Financial, Inc.
$197.2M $1.38 9.73% 12.28% $88.00
CFFN
Capitol Federal Financial, Inc.
$53.2M $0.14 -45.25% 22.26% $7.00
FCAP
First Capital, Inc.
-- -- -- -- --
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
LSBK
Lake Shore Bancorp, Inc.
$14.79 -- $108.1M 16.51x $0.09 2.44% 2.90x
AX
Axos Financial, Inc.
$88.47 $102.42 $5B 11.84x $0.00 0% 2.65x
BYFC
Broadway Financial Corp. (California)
$5.91 -- $54.3M 173.00x $0.00 0% 0.83x
CASH
Pathward Financial, Inc.
$73.85 $88.00 $1.6B 9.37x $0.05 0.27% 2.08x
CFFN
Capitol Federal Financial, Inc.
$7.05 $7.00 $911.2M 13.48x $0.09 4.83% 2.18x
FCAP
First Capital, Inc.
$61.23 -- $205M 13.90x $0.31 1.96% 3.24x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
LSBK
Lake Shore Bancorp, Inc.
1.42% 0.377 2.1% 0.00x
AX
Axos Financial, Inc.
35.79% 1.350 32.47% 0.00x
BYFC
Broadway Financial Corp. (California)
31.78% 0.842 61.33% 0.00x
CASH
Pathward Financial, Inc.
7.18% 0.431 3.94% 0.00x
CFFN
Capitol Federal Financial, Inc.
65.16% 0.794 237.82% 0.00x
FCAP
First Capital, Inc.
-- -0.848 -- 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
LSBK
Lake Shore Bancorp, Inc.
-- $2.8M 6.39% 6.77% 56.52% $3.3M
AX
Axos Financial, Inc.
-- $149.9M 12.93% 16.64% 65.17% $87.2M
BYFC
Broadway Financial Corp. (California)
-- $749K 0.11% 0.23% 50.62% $6.1M
CASH
Pathward Financial, Inc.
-- $51.7M 19.25% 22.87% 26.49% $211M
CFFN
Capitol Federal Financial, Inc.
-- $23M 2.16% 6.55% 71.29% $19.9M
FCAP
First Capital, Inc.
-- $5.5M 11.51% 12.15% 55.01% $7.8M

Lake Shore Bancorp, Inc. vs. Competitors

  • Which has Higher Returns LSBK or AX?

    Axos Financial, Inc. has a net margin of 22.82% compared to Lake Shore Bancorp, Inc.'s net margin of 22.56%. Lake Shore Bancorp, Inc.'s return on equity of 6.77% beat Axos Financial, Inc.'s return on equity of 16.64%.

    Company Gross Margin Earnings Per Share Invested Capital
    LSBK
    Lake Shore Bancorp, Inc.
    -- $0.32 $141.3M
    AX
    Axos Financial, Inc.
    -- $1.94 $4.4B
  • What do Analysts Say About LSBK or AX?

    Lake Shore Bancorp, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Axos Financial, Inc. has an analysts' consensus of $102.42 which suggests that it could grow by 15.23%. Given that Axos Financial, Inc. has higher upside potential than Lake Shore Bancorp, Inc., analysts believe Axos Financial, Inc. is more attractive than Lake Shore Bancorp, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    LSBK
    Lake Shore Bancorp, Inc.
    0 0 0
    AX
    Axos Financial, Inc.
    3 1 0
  • Is LSBK or AX More Risky?

    Lake Shore Bancorp, Inc. has a beta of 0.285, which suggesting that the stock is 71.483% less volatile than S&P 500. In comparison Axos Financial, Inc. has a beta of 1.279, suggesting its more volatile than the S&P 500 by 27.889%.

  • Which is a Better Dividend Stock LSBK or AX?

    Lake Shore Bancorp, Inc. has a quarterly dividend of $0.09 per share corresponding to a yield of 2.44%. Axos Financial, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Lake Shore Bancorp, Inc. pays 61.57% of its earnings as a dividend. Axos Financial, Inc. pays out -- of its earnings as a dividend. Lake Shore Bancorp, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios LSBK or AX?

    Lake Shore Bancorp, Inc. quarterly revenues are $10.3M, which are smaller than Axos Financial, Inc. quarterly revenues of $498.1M. Lake Shore Bancorp, Inc.'s net income of $2.4M is lower than Axos Financial, Inc.'s net income of $112.4M. Notably, Lake Shore Bancorp, Inc.'s price-to-earnings ratio is 16.51x while Axos Financial, Inc.'s PE ratio is 11.84x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Lake Shore Bancorp, Inc. is 2.90x versus 2.65x for Axos Financial, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    LSBK
    Lake Shore Bancorp, Inc.
    2.90x 16.51x $10.3M $2.4M
    AX
    Axos Financial, Inc.
    2.65x 11.84x $498.1M $112.4M
  • Which has Higher Returns LSBK or BYFC?

    Broadway Financial Corp. (California) has a net margin of 22.82% compared to Lake Shore Bancorp, Inc.'s net margin of 4.12%. Lake Shore Bancorp, Inc.'s return on equity of 6.77% beat Broadway Financial Corp. (California)'s return on equity of 0.23%.

    Company Gross Margin Earnings Per Share Invested Capital
    LSBK
    Lake Shore Bancorp, Inc.
    -- $0.32 $141.3M
    BYFC
    Broadway Financial Corp. (California)
    -- -- $418.8M
  • What do Analysts Say About LSBK or BYFC?

    Lake Shore Bancorp, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Broadway Financial Corp. (California) has an analysts' consensus of -- which suggests that it could fall by --. Given that Lake Shore Bancorp, Inc. has higher upside potential than Broadway Financial Corp. (California), analysts believe Lake Shore Bancorp, Inc. is more attractive than Broadway Financial Corp. (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    LSBK
    Lake Shore Bancorp, Inc.
    0 0 0
    BYFC
    Broadway Financial Corp. (California)
    0 0 0
  • Is LSBK or BYFC More Risky?

    Lake Shore Bancorp, Inc. has a beta of 0.285, which suggesting that the stock is 71.483% less volatile than S&P 500. In comparison Broadway Financial Corp. (California) has a beta of 0.724, suggesting its less volatile than the S&P 500 by 27.584%.

  • Which is a Better Dividend Stock LSBK or BYFC?

    Lake Shore Bancorp, Inc. has a quarterly dividend of $0.09 per share corresponding to a yield of 2.44%. Broadway Financial Corp. (California) offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Lake Shore Bancorp, Inc. pays 61.57% of its earnings as a dividend. Broadway Financial Corp. (California) pays out -- of its earnings as a dividend. Lake Shore Bancorp, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios LSBK or BYFC?

    Lake Shore Bancorp, Inc. quarterly revenues are $10.3M, which are smaller than Broadway Financial Corp. (California) quarterly revenues of $14.5M. Lake Shore Bancorp, Inc.'s net income of $2.4M is higher than Broadway Financial Corp. (California)'s net income of $597K. Notably, Lake Shore Bancorp, Inc.'s price-to-earnings ratio is 16.51x while Broadway Financial Corp. (California)'s PE ratio is 173.00x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Lake Shore Bancorp, Inc. is 2.90x versus 0.83x for Broadway Financial Corp. (California). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    LSBK
    Lake Shore Bancorp, Inc.
    2.90x 16.51x $10.3M $2.4M
    BYFC
    Broadway Financial Corp. (California)
    0.83x 173.00x $14.5M $597K
  • Which has Higher Returns LSBK or CASH?

    Pathward Financial, Inc. has a net margin of 22.82% compared to Lake Shore Bancorp, Inc.'s net margin of 20.69%. Lake Shore Bancorp, Inc.'s return on equity of 6.77% beat Pathward Financial, Inc.'s return on equity of 22.87%.

    Company Gross Margin Earnings Per Share Invested Capital
    LSBK
    Lake Shore Bancorp, Inc.
    -- $0.32 $141.3M
    CASH
    Pathward Financial, Inc.
    -- $1.69 $923.9M
  • What do Analysts Say About LSBK or CASH?

    Lake Shore Bancorp, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Pathward Financial, Inc. has an analysts' consensus of $88.00 which suggests that it could grow by 17.76%. Given that Pathward Financial, Inc. has higher upside potential than Lake Shore Bancorp, Inc., analysts believe Pathward Financial, Inc. is more attractive than Lake Shore Bancorp, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    LSBK
    Lake Shore Bancorp, Inc.
    0 0 0
    CASH
    Pathward Financial, Inc.
    0 2 0
  • Is LSBK or CASH More Risky?

    Lake Shore Bancorp, Inc. has a beta of 0.285, which suggesting that the stock is 71.483% less volatile than S&P 500. In comparison Pathward Financial, Inc. has a beta of 0.752, suggesting its less volatile than the S&P 500 by 24.784%.

  • Which is a Better Dividend Stock LSBK or CASH?

    Lake Shore Bancorp, Inc. has a quarterly dividend of $0.09 per share corresponding to a yield of 2.44%. Pathward Financial, Inc. offers a yield of 0.27% to investors and pays a quarterly dividend of $0.05 per share. Lake Shore Bancorp, Inc. pays 61.57% of its earnings as a dividend. Pathward Financial, Inc. pays out 2.54% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios LSBK or CASH?

    Lake Shore Bancorp, Inc. quarterly revenues are $10.3M, which are smaller than Pathward Financial, Inc. quarterly revenues of $188.2M. Lake Shore Bancorp, Inc.'s net income of $2.4M is lower than Pathward Financial, Inc.'s net income of $38.9M. Notably, Lake Shore Bancorp, Inc.'s price-to-earnings ratio is 16.51x while Pathward Financial, Inc.'s PE ratio is 9.37x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Lake Shore Bancorp, Inc. is 2.90x versus 2.08x for Pathward Financial, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    LSBK
    Lake Shore Bancorp, Inc.
    2.90x 16.51x $10.3M $2.4M
    CASH
    Pathward Financial, Inc.
    2.08x 9.37x $188.2M $38.9M
  • Which has Higher Returns LSBK or CFFN?

    Capitol Federal Financial, Inc. has a net margin of 22.82% compared to Lake Shore Bancorp, Inc.'s net margin of 17.11%. Lake Shore Bancorp, Inc.'s return on equity of 6.77% beat Capitol Federal Financial, Inc.'s return on equity of 6.55%.

    Company Gross Margin Earnings Per Share Invested Capital
    LSBK
    Lake Shore Bancorp, Inc.
    -- $0.32 $141.3M
    CFFN
    Capitol Federal Financial, Inc.
    -- $0.14 $3B
  • What do Analysts Say About LSBK or CFFN?

    Lake Shore Bancorp, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Capitol Federal Financial, Inc. has an analysts' consensus of $7.00 which suggests that it could fall by -1.41%. Given that Capitol Federal Financial, Inc. has higher upside potential than Lake Shore Bancorp, Inc., analysts believe Capitol Federal Financial, Inc. is more attractive than Lake Shore Bancorp, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    LSBK
    Lake Shore Bancorp, Inc.
    0 0 0
    CFFN
    Capitol Federal Financial, Inc.
    0 2 0
  • Is LSBK or CFFN More Risky?

    Lake Shore Bancorp, Inc. has a beta of 0.285, which suggesting that the stock is 71.483% less volatile than S&P 500. In comparison Capitol Federal Financial, Inc. has a beta of 0.692, suggesting its less volatile than the S&P 500 by 30.767%.

  • Which is a Better Dividend Stock LSBK or CFFN?

    Lake Shore Bancorp, Inc. has a quarterly dividend of $0.09 per share corresponding to a yield of 2.44%. Capitol Federal Financial, Inc. offers a yield of 4.83% to investors and pays a quarterly dividend of $0.09 per share. Lake Shore Bancorp, Inc. pays 61.57% of its earnings as a dividend. Capitol Federal Financial, Inc. pays out 65.05% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios LSBK or CFFN?

    Lake Shore Bancorp, Inc. quarterly revenues are $10.3M, which are smaller than Capitol Federal Financial, Inc. quarterly revenues of $109.8M. Lake Shore Bancorp, Inc.'s net income of $2.4M is lower than Capitol Federal Financial, Inc.'s net income of $18.8M. Notably, Lake Shore Bancorp, Inc.'s price-to-earnings ratio is 16.51x while Capitol Federal Financial, Inc.'s PE ratio is 13.48x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Lake Shore Bancorp, Inc. is 2.90x versus 2.18x for Capitol Federal Financial, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    LSBK
    Lake Shore Bancorp, Inc.
    2.90x 16.51x $10.3M $2.4M
    CFFN
    Capitol Federal Financial, Inc.
    2.18x 13.48x $109.8M $18.8M
  • Which has Higher Returns LSBK or FCAP?

    First Capital, Inc. has a net margin of 22.82% compared to Lake Shore Bancorp, Inc.'s net margin of 26.65%. Lake Shore Bancorp, Inc.'s return on equity of 6.77% beat First Capital, Inc.'s return on equity of 12.15%.

    Company Gross Margin Earnings Per Share Invested Capital
    LSBK
    Lake Shore Bancorp, Inc.
    -- $0.32 $141.3M
    FCAP
    First Capital, Inc.
    -- $1.34 $132.5M
  • What do Analysts Say About LSBK or FCAP?

    Lake Shore Bancorp, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand First Capital, Inc. has an analysts' consensus of -- which suggests that it could fall by -75.26%. Given that First Capital, Inc. has higher upside potential than Lake Shore Bancorp, Inc., analysts believe First Capital, Inc. is more attractive than Lake Shore Bancorp, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    LSBK
    Lake Shore Bancorp, Inc.
    0 0 0
    FCAP
    First Capital, Inc.
    0 0 0
  • Is LSBK or FCAP More Risky?

    Lake Shore Bancorp, Inc. has a beta of 0.285, which suggesting that the stock is 71.483% less volatile than S&P 500. In comparison First Capital, Inc. has a beta of 0.640, suggesting its less volatile than the S&P 500 by 35.951%.

  • Which is a Better Dividend Stock LSBK or FCAP?

    Lake Shore Bancorp, Inc. has a quarterly dividend of $0.09 per share corresponding to a yield of 2.44%. First Capital, Inc. offers a yield of 1.96% to investors and pays a quarterly dividend of $0.31 per share. Lake Shore Bancorp, Inc. pays 61.57% of its earnings as a dividend. First Capital, Inc. pays out 31.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios LSBK or FCAP?

    Lake Shore Bancorp, Inc. quarterly revenues are $10.3M, which are smaller than First Capital, Inc. quarterly revenues of $16.8M. Lake Shore Bancorp, Inc.'s net income of $2.4M is lower than First Capital, Inc.'s net income of $4.5M. Notably, Lake Shore Bancorp, Inc.'s price-to-earnings ratio is 16.51x while First Capital, Inc.'s PE ratio is 13.90x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Lake Shore Bancorp, Inc. is 2.90x versus 3.24x for First Capital, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    LSBK
    Lake Shore Bancorp, Inc.
    2.90x 16.51x $10.3M $2.4M
    FCAP
    First Capital, Inc.
    3.24x 13.90x $16.8M $4.5M

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