Lake Shore Bancorp 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 104 staff and has a trailing 12-month revenue of around $25.8 million.
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| Latest market close | $12.70 |
|---|---|
| 52-week range | $11.82 - $14.65 |
| 50-day moving average | $12.56 |
| 200-day moving average | $13.47 |
| Wall St. target price | N/A |
| PE ratio | 11.7617 |
| Dividend yield | $0.68 (5.55%) |
| Earnings per share (TTM) | $1.08 |
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Historical closes compared with the close of $12.7 from 2023-02-03
| 1 week (2023-01-31) | 0.87% |
|---|---|
| 1 month (2023-01-06) | -0.86% |
| 3 months (2022-11-07) | -3.05% |
| 6 months (2022-08-05) | -7.16% |
| 1 year (2022-02-07) | -14.19% |
|---|---|
| 2 years (2021-02-05) | -2.99% |
| 3 years (2020-02-07) | 14.3675 |
| 5 years (2018-02-03) | N/A |
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 current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, Lake Shore Bancorp shares trade at around 12x 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.
| Revenue TTM | $25.8 million |
|---|---|
| Operating margin TTM | 30.32% |
| Gross profit TTM | $24.5 million |
| Return on assets TTM | 0.9% |
| Return on equity TTM | 7.69% |
| Profit margin | 24.5% |
| Book value | $13.97 |
| Market capitalisation | $72.5 million |
TTM: trailing 12 months
Dividend payout ratio: 87.18% of net profits
Recently Lake Shore Bancorp has paid out, on average, around 87.18% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 5.55% 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 5.55% return on their shares, in the form of dividend payments. In Lake Shore Bancorp's case, that would currently equate to about $0.68 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 17 November 2022. The latest dividend was paid out to all shareholders who bought their shares by 2 November 2022 (the "ex-dividend date").
Over the last 12 months, Lake Shore Bancorp's shares have ranged in value from as little as $11.82 up to $14.651. 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 0.4353. This would suggest that Lake Shore Bancorp's shares are less volatile than average (for this exchange).
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 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. The company's 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.
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