How to buy Lake Shore Bancorp stock | $14.75

Lake Shore Bancorp, Inc is a banks-regional business based in the US. Lake Shore Bancorp shares (LSBK) are listed on the NASDAQ and all prices are listed in US Dollars. Lake Shore Bancorp employs 111 staff and has a trailing 12-month revenue of around 0.00.

Lake Shore Bancorp stock price (NASDAQ: LSBK)

Use our graph to track the performance of LSBK stocks over time.

Lake Shore Bancorp shares at a glance

• Key figures

Information last updated 2021-07-30.

Latest market close	$14.75
52-week range	$10.20 - $15.59
50-day moving average	$15.09
200-day moving average	$14.69
Wall St. target price	N/A
PE ratio	16.3294
Dividend yield	$0.51 (3.38%)
Earnings per share (TTM)	$0.93

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Is it a good time to buy Lake Shore Bancorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of Lake Shore Bancorp, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Lake Shore Bancorp price performance over time

Historical closes compared with the close of $14.75 from 2021-05-28

1 week (2021-07-24)	N/A
1 month (2021-07-02)	-3.15%
3 months (2021-05-04)	-1.67%
6 months (2021-01-31)	N/A

1 year (2020-07-31)	N/A
2 years (2019-07-31)	N/A
3 years (2018-07-31)	N/A
5 years (2016-07-31)	N/A

Is Lake Shore Bancorp under- or over-valued?

Valuing Lake Shore Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Lake Shore Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Lake Shore Bancorp's P/E ratio

Lake Shore Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 16x. In other words, Lake Shore Bancorp shares trade at around 16x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Lake Shore Bancorp financials

Revenue TTM	$22.4 million
Operating margin TTM	29.85%
Gross profit TTM	$21.3 million
Return on assets TTM	0.83%
Return on equity TTM	6.5%
Profit margin	24.63%
Book value	$15.13
Market capitalisation	$87.4 million

TTM: trailing 12 months

Shorting Lake Shore Bancorp shares

There are currently 6,134 Lake Shore Bancorp shares held short by investors – that's known as Lake Shore Bancorp's "short interest". This figure is 81.8% up from 3,374 last month.

There are a few different ways that this level of interest in shorting Lake Shore Bancorp shares can be evaluated.

Lake Shore Bancorp's "short interest ratio" (SIR)

Lake Shore Bancorp's "short interest ratio" (SIR) is the quantity of Lake Shore Bancorp shares currently shorted divided by the average quantity of Lake Shore Bancorp shares traded daily (recently around 2463.453815261). Lake Shore Bancorp's SIR currently stands at 2.49. In other words for every 100,000 Lake Shore Bancorp shares traded daily on the market, roughly 2490 shares are currently held short.

However Lake Shore Bancorp's short interest can also be evaluated against the total number of Lake Shore Bancorp shares, or, against the total number of tradable Lake Shore Bancorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Lake Shore Bancorp's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Lake Shore Bancorp shares in existence, roughly 0 shares are currently held short) or 0.0035% of the tradable shares (for every 100,000 tradable Lake Shore Bancorp shares, roughly 4 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Lake Shore Bancorp.

Find out more about how you can short Lake Shore Bancorp stock.

Lake Shore Bancorp share dividends

Dividend payout ratio: 67.87% of net profits

Recently Lake Shore Bancorp has paid out, on average, around 67.87% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.71% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Lake Shore Bancorp shareholders could enjoy a 3.71% return on their shares, in the form of dividend payments. In Lake Shore Bancorp's case, that would currently equate to about $0.51 per share.

Lake Shore Bancorp's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Lake Shore Bancorp's most recent dividend payout was on 19 August 2021. The latest dividend was paid out to all shareholders who bought their shares by 4 August 2021 (the "ex-dividend date").

Lake Shore Bancorp share price volatility

Over the last 12 months, Lake Shore Bancorp's shares have ranged in value from as little as $10.1995 up to $15.5892. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Lake Shore Bancorp's is 0.6235. This would suggest that Lake Shore Bancorp's shares are less volatile than average (for this exchange).

Lake Shore Bancorp overview

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides 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 small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans; lines of credit; commercial loans, such as business installment loan, line of credit, and other commercial loan; one-to four-family residential mortgages; and consumer loans that include 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. As of February 5, 2021, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc.

Frequently asked questions

What percentage of Lake Shore Bancorp is owned by insiders or institutions?
Currently 66.852% of Lake Shore Bancorp shares are held by insiders and 7.971% by institutions. How many people work for Lake Shore Bancorp?
Latest data suggests 111 work at Lake Shore Bancorp. When does the fiscal year end for Lake Shore Bancorp?
Lake Shore Bancorp's fiscal year ends in December. Where is Lake Shore Bancorp based?
Lake Shore Bancorp's address is: 31 East Fourth Street, Dunkirk, NY, United States, 14048 What is Lake Shore Bancorp's ISIN number?
Lake Shore Bancorp's international securities identification number is: US5107001076 What is Lake Shore Bancorp's CUSIP number?
Lake Shore Bancorp's Committee on Uniform Securities Identification Procedures number is: 510700107