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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.
|52-week range||USD$8.6081 - USD$15.7249|
|50-day moving average||USD$14.1688|
|200-day moving average||USD$13.1577|
|Wall St. target price||N/A|
|Dividend yield||USD$0.5 (3.29%)|
|Earnings per share (TTM)||USD$0.77|
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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 20x. In other words, Lake Shore Bancorp shares trade at around 20x 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||USD$21.3 million|
|Operating margin TTM||25.27%|
|Gross profit TTM||USD$21.3 million|
|Return on assets TTM||0.7%|
|Return on equity TTM||5.4%|
|Market capitalisation||USD$90.5 million|
TTM: trailing 12 months
There are currently 2,364 Lake Shore Bancorp shares held short by investors – that's known as Lake Shore Bancorp's "short interest". This figure is 1690.9% up from 132 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) is the quantity of Lake Shore Bancorp shares currently shorted divided by the average quantity of Lake Shore Bancorp shares traded daily (recently around 1432.7272727273). Lake Shore Bancorp's SIR currently stands at 1.65. In other words for every 100,000 Lake Shore Bancorp shares traded daily on the market, roughly 1650 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 0.0014% of the tradable shares (for every 100,000 tradable Lake Shore Bancorp shares, roughly 1 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.
Dividend payout ratio: 77.69% of net profits
Recently Lake Shore Bancorp has paid out, on average, around 77.69% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.4% 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 3.4% return on their shares, in the form of dividend payments. In Lake Shore Bancorp's case, that would currently equate to about $0.5 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 15 March 2021. The latest dividend was paid out to all shareholders who bought their shares by 25 February 2021 (the "ex-dividend date").
Over the last 12 months, Lake Shore Bancorp's shares have ranged in value from as little as $8.6081 up to $15.7249. 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 0.5918. 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 retail and commercial 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 businesses. The company's loan portfolio consists of one-to four-family residential mortgages, home equity loans, commercial real estate loans, and construction loans; business installment loans, lines of credit, and other commercial loans; and consumer loans that include personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured and unsecured loans. As of February 6, 2020, it had 11 full-service branch locations in Western New York, including 5 locations in Chautauqua County and 6 locations in Erie County, New York. 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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