Financhill
Buy
85

LSBK Quote, Financials, Valuation and Earnings

Last price:
$14.88
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

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Downside
    No price target exists because of limited analyst coverage.
  • Price Target Upside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, Lake Shore Bancorp, Inc. has -- downside to fair value with a price target of -- per share.

LSBK vs. S&P 500

  • Over the past 5 trading days, Lake Shore Bancorp, Inc. has underperformed the S&P 500 by -3.41% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Lake Shore Bancorp, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Lake Shore Bancorp, Inc. has grown year-over-year revenues for 2 quarters straight. In the most recent quarter Lake Shore Bancorp, Inc. reported revenues of $10.3M.

Earnings Growth

  • Lake Shore Bancorp, Inc. has grown year-over-year earnings for 2 quarters straight. In the most recent quarter Lake Shore Bancorp, Inc. reported earnings per share of $0.32.
Enterprise value:
110.1M
EV / Invested capital:
0.78x
Price / LTM sales:
2.90x
EV / EBIT:
5.43x
EV / Revenue:
2.84x
PEG ratio (5yr expected):
0.73x
EV / Free cash flow:
12.71x
Price / Operating cash flow:
13.02x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.96%
Net Income Margin (TTM):
17.52%
Return On Equity:
6.77%
Return On Invested Capital:
6.39%
Operating Margin:
27.53%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $35M $38M $38.8M $9.6M $10.3M
Gross Profit -- -- -- -- --
Operating Income $6.3M $5.4M $8.1M $1.6M $2.8M
EBITDA -- -- -- -- --
Diluted EPS $0.90 $0.73 $0.90 $0.24 $0.32
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $63.7M $22.5M $49M $52.9M $86.6M
Total Assets $709.3M $695.7M $713.6M $697.6M $742.8M
Current Liabilities $374.4M $360.7M $302.1M $315.1M $328.9M
Total Liabilities $622.8M $617.6M $631.7M $607.7M $603.5M
Total Equity $85.5M $90.7M $81.9M $89.9M $139.3M
Total Debt $22M $25M $36.5M $10.3M $2M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $6.4M $705K $9.2M -$1.4M $3.3M
Cash From Investing $7.7M $27.5M -$11.6M $7.4M $1.2M
Cash From Financing $12.2M -$24.3M $36M -$16.9M $3.8M
Free Cash Flow $5.9M -$11.9M $8.7M -$1.4M $3.3M
LSBK
Sector
Market Cap
$108.1M
$570M
Price % of 52-Week High
87.24%
92.18%
Dividend Yield
2.44%
1.57%
Shareholder Yield
-37.51%
3.12%
1-Year Price Total Return
10.37%
7.87%
Beta (5-Year)
0.285
0.478
Dividend yield:
2.44%
Annualized payout:
$0.54
Payout ratio:
28.21%
Growth streak:
0 years

Technicals

8-day SMA
Sell
Level $14.85
200-day SMA
Buy
Level $14.32
Bollinger Bands (100)
Buy
Level 12.68 - 14.32
Chaikin Money Flow
Buy
Level 123K
20-day SMA
Buy
Level $14.76
Relative Strength Index (RSI14)
Buy
Level 55.88
ADX Line
Sell
Level 22.23
Williams %R
Neutral
Level -61.0606
50-day SMA
Buy
Level $14.09
MACD (12, 26)
Buy
Level 0.19
25-day Aroon Oscillator
Buy
Level 64
On Balance Volume
Neutral
Level 657.3K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.4243)
Sell
CA Score (Annual)
Level (-2.0418)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (5)
Sell
Ohlson Score
Level (5.0328)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (2)
Sell
Fundamental Score
Level (6)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Lake Shore Bancorp, Inc. operates as a savings and loan holding company for Lake Shore Servings Bank. It offers personal services, such as checking, savings, lending, banking, debit card, e-services, and online banking, and business services including deposit products, commercial loans, and business e-statements. The company was founded in 2006 and is headquartered in Dunkirk, NY.

Stock Forecast FAQ

In the current month, LSBK has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The LSBK average analyst price target in the past 3 months is --.

  • Where Will Lake Shore Bancorp, Inc. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Lake Shore Bancorp, Inc. share price will drop to -- per share over the next 12 months.

  • What Do Analysts Say About Lake Shore Bancorp, Inc.?

    Analysts are divided on their view about Lake Shore Bancorp, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Lake Shore Bancorp, Inc. is a Sell and believe this share price will rise from its current level to --.

  • What Is Lake Shore Bancorp, Inc.'s Price Target?

    The price target for Lake Shore Bancorp, Inc. over the next 1-year time period is forecast to be -- according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is LSBK A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Lake Shore Bancorp, Inc. is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of LSBK?

    You can purchase shares of Lake Shore Bancorp, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Lake Shore Bancorp, Inc. shares.

  • What Is The Lake Shore Bancorp, Inc. Share Price Today?

    Lake Shore Bancorp, Inc. was last trading at $14.88 per share. This represents the most recent stock quote for Lake Shore Bancorp, Inc.. Yesterday, Lake Shore Bancorp, Inc. closed at $14.79 per share.

  • How To Buy Lake Shore Bancorp, Inc. Stock Online?

    In order to purchase Lake Shore Bancorp, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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