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Lake Shore Bancorp, Inc.NasdaqGM:LSBK Aktienübersicht

Marktkapitalisierung US$123.7m
Aktienkurs
US$15.71
US$7.63
105.7% überbewertet intrinsischer Abschlag
1Y39.8%
7D-0.5%
Wert des Portfolios
​
Siehe

Lake Shore Bancorp, Inc.

NasdaqGM:LSBK Lagerbericht

Marktkapitalisierung: US$123.7m

Lake Shore Bancorp (LSBK) Aktienübersicht

Lake Shore Bancorp, Inc. ist die Bankholdinggesellschaft der Lake Shore Bank, die Bankprodukte und -dienstleistungen in New York anbietet. Mehr Details

LSBK grundlegende Analyse
Schneeflocken-Punktzahl
Bewertung0/6
Künftiges Wachstum0/6
Vergangene Leistung5/6
Finanzielle Gesundheit6/6
Dividenden3/6

Belohnungen

Das Kurs-Gewinn-Verhältnis (15.2x) liegt unter dem US Markt (18.5x)

Die Erträge stiegen im vergangenen Jahr um 63.6%

Risikoanalyse

Unbeständige Dividendenentwicklung


LSBK Community Fair Values

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Lake Shore Bancorp, Inc. Wettbewerber

Preisentwicklung & Leistung

Zusammenfassung der Höchst- und Tiefststände sowie der Veränderungen der Aktienkurse für Lake Shore Bancorp
Historische Aktienkurse
Aktueller AktienkursUS$15.71
52-Wochen-HochUS$16.28
52-Wochen-TiefUS$11.19
Beta0.32
1 Monat Veränderung-1.54%
3 Monate Veränderung1.00%
1 Jahr Veränderung39.81%
3 Jahre Veränderung87.81%
5 Jahre Veränderung41.86%
Veränderung seit IPO98.87%

Aktuelle Nachrichten und Updates

Seeking Alpha • Apr 10

Even After Recent Gains, The Valuation Is Still Compelling For Lake Shore Bancorp

Summary Lake Shore Bancorp remains a Buy, driven by strong 2025 earnings, improved margins, and a compelling valuation below tangible book value. LSBK ended 2025 with a record net income of $7.3 million and a 56.4% increase in tangible book value per share to $18.10. Key operational improvements include a 52 bps net interest margin expansion, efficiency ratio gains, reduced borrowings, and nonperforming assets at just 0.23%. Risks include geographic concentration, CRE exposure, micro-cap liquidity, and a short public track record, but 2026 prospects remain positive ahead of Q1 earnings. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Apr 10

Even After Recent Gains, The Valuation Is Still Compelling For Lake Shore Bancorp

Summary Lake Shore Bancorp remains a Buy, driven by strong 2025 earnings, improved margins, and a compelling valuation below tangible book value. LSBK ended 2025 with a record net income of $7.3 million and a 56.4% increase in tangible book value per share to $18.10. Key operational improvements include a 52 bps net interest margin expansion, efficiency ratio gains, reduced borrowings, and nonperforming assets at just 0.23%. Risks include geographic concentration, CRE exposure, micro-cap liquidity, and a short public track record, but 2026 prospects remain positive ahead of Q1 earnings. Read the full article on Seeking Alpha
Seeking Alpha • Oct 20

Lake Shore Bancorp: Attractive Dividend Yield, Payout Appears Secure Due To The Earnings Outlook

Summary The top line is moderately rate sensitive. Therefore, the rising rate environment will lift the margin and support earnings. Loan growth will likely remain at a satisfactory level thanks to New York’s economic activity. LSBK is offering a high dividend yield of over 5%. The dividend appears secure due to a positive earnings outlook for next year and adequate capitalization. The December 2022 target price suggests a high upside from the current market price. Earnings of Lake Shore Bancorp, Inc. (LSBK) will likely stay flattish this year and then grow at a healthy rate next year. Moderate loan growth and margin expansion will likely sustain earnings through the end of 2023. I'm expecting Lake Shore Bancorp to report earnings of $1.02 per share for 2022 and $1.17 per share for 2023. The year-end target price suggests a high upside from the current market price. Further, Lake Shore Bancorp is offering an attractive dividend yield. Based on the total expected return, I'm adopting a buy rating on Lake Shore Bancorp. New York's Economy to Sustain Loan Growth Lake Shore Bancorp's loan book grew by 5.8% during the first half of the year (11.6% annualized) which is quite good from a historical perspective. I'm expecting loan growth rate to be lower in the second half of the year compared to both the first half of 2022 and previous years. This is because interest rates are currently at the highest level since 2008. High borrowing costs are bound to dampen credit demand. However, strength in other economic factors can keep loan growth at a satisfactory level. Lake Shore Bancorp operates in the Chautauqua and Erie counties of Western New York. Excluding New York City, the state's economy is currently in very good shape. The unemployment rate is near record lows and below the national average, as shown below. Data by YCharts Further, the economic activity is recovering at a good pace compared to the past, as shown below. The Federal Reserve Bank of Philadelphia Considering these factors, I'm expecting the loan portfolio to grow by 1.25% every quarter till the end of 2023. This is at the lower end of the historical growth rate trend. Securities, Adjustable-Rate Deposits to Restrict Margin Expansion Lake Shore Bancorp’s deposit cost is quite rate sensitive because of the large balance of deposits with adjustable rates. These deposits, namely interest-bearing demand, NOW, money market, and savings accounts made up 56% of total deposits during the second quarter of 2022, according to details given in the 10-Q Filing. The large balance of debt securities will further hold back margin expansion as most securities are based on fixed rates. Securities made up 12% of total earning assets at the end of June 2022. Historically, Lake Shore Bancorp's margin has been only slightly correlated with interest rates, as shown below. SEC Filings, The Federal Reserve Bank of St. Louis Considering these factors, I'm expecting the margin to grow by 30 basis points in the second half of 2022 and 10 basis points in 2023. Earnings Likely to be Flattish this Year Before Surging Next Year The anticipated loan growth and margin expansion will support earnings through the end of 2023. On the other hand, an inflation-driven surge in salary and other non-interest expenses will drag earnings. Meanwhile, I'm expecting the provision expense to make up around 0.14% of total loans (annualized) in every quarter till the end of 2023, which is the same as the as the average from 2017 to 2019. Overall, I'm expecting Lake Shore Bancorp to report earnings of $1.02 per share for 2022, down by just 3% year-over-year. For 2023, I'm expecting earnings to grow by 15% to $1.17 per share. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 18 19 20 22 24 28 Provision for loan losses 0 1 2 1 1 1 Non-interest income 2 2 3 3 3 3 Non-interest expense 15 16 16 17 19 21 Net income - Common Sh. 4 4 5 6 6 7 EPS - Diluted ($) 0.66 0.68 0.77 1.05 1.02 1.17 Source: SEC Filings, Earnings Releases, Author's Estimates (In USD million unless otherwise specified) Actual earnings may differ materially from estimates because of the risks and uncertainties related to inflation, and consequently the timing and magnitude of interest rate hikes. Further, a stronger or longer-than-anticipated recession can increase the provisioning for expected loan losses beyond my estimates. Future Equity Book Value Erosion to Hurt Market Valuation Lake Shore Bancorp's equity book value has dropped by 8% during the first half of the year mostly because of the accumulation of unrealized losses on the available-for-sale (“AFS”) securities portfolio. As interest rates surged, the market value of fixed-rate AFS securities plunged, leading to unrealized losses. These losses reduced the equity book value after bypassing the income statement. Further equity book value attrition is likely because of the 150 basis points hike in fed funds rate during the third quarter and the expectation of further rate hikes through 2023. Overall, I'm expecting the equity book value to drop by 6% in the second half of 2022 due to the mark-to-market losses. The drop in equity book value will hurt Lake Shore Bancorp’s market value, as discussed below. The following table shows my balance sheet estimates.
Seeking Alpha • Jul 20

Lake Shore Bancorp raises dividend by 12.5% to $0.18/share

Lake Shore Bancorp (NASDAQ:LSBK) declares $0.18/share quarterly dividend, 12.5% increase from prior dividend of $0.16. Forward yield 5.2% Payable Aug. 19; for shareholders of record Aug. 2; ex-div Aug. 1. See LSBK Dividend Scorecard, Yield Chart, & Dividend Growth.
Analyseartikel • Feb 15

Lake Shore Bancorp (NASDAQ:LSBK) Is Increasing Its Dividend To US$0.16

The board of Lake Shore Bancorp, Inc. ( NASDAQ:LSBK ) has announced that it will be increasing its dividend on the 17th...
Analyseartikel • May 13

Shareholders May Not Be So Generous With Lake Shore Bancorp, Inc.'s (NASDAQ:LSBK) CEO Compensation And Here's Why

In the past three years, the share price of Lake Shore Bancorp, Inc. ( NASDAQ:LSBK ) has struggled to generate growth...
Analyseartikel • Mar 29

Is Lake Shore Bancorp, Inc. (NASDAQ:LSBK) A Great Dividend Stock?

Dividend paying stocks like Lake Shore Bancorp, Inc. ( NASDAQ:LSBK ) tend to be popular with investors, and for good...
Analyseartikel • Feb 20

Lake Shore Bancorp, Inc. (NASDAQ:LSBK) Pays A US$0.13 Dividend In Just Four Days

It looks like Lake Shore Bancorp, Inc. ( NASDAQ:LSBK ) is about to go ex-dividend in the next 4 days. Investors can...
Analyseartikel • Jan 27

A Look At Lake Shore Bancorp's (NASDAQ:LSBK) Share Price Returns

For many investors, the main point of stock picking is to generate higher returns than the overall market. But in any...
Analyseartikel • Dec 05

Is Lake Shore Bancorp, Inc. (NASDAQ:LSBK) A Smart Pick For Income Investors?

Is Lake Shore Bancorp, Inc. ( NASDAQ:LSBK ) a good dividend stock? How can we tell? Dividend paying companies with...

Aktionärsrenditen

LSBKUS BanksUS Markt
7D-0.5%1.9%-0.3%
1Y39.8%20.9%26.7%

Rendite im Vergleich zur Industrie: LSBK übertraf die Branche US Banks , die im vergangenen Jahr eine Rendite von 20.9 erzielte.

Rendite vs. Markt: LSBK übertraf den Markt US, der im vergangenen Jahr eine Rendite von 26.7 erzielte.

Preisvolatilität

Is LSBK's price volatile compared to industry and market?
LSBK volatility
LSBK Average Weekly Movement2.2%
Banks Industry Average Movement3.5%
Market Average Movement7.2%
10% most volatile stocks in US Market16.2%
10% least volatile stocks in US Market3.2%

Stabiler Aktienkurs: LSBK hatte in den letzten 3 Monaten im Vergleich zum US -Markt keine signifikante Preisvolatilität.

Volatilität im Zeitverlauf: LSBKDie wöchentliche Volatilität (2%) ist im vergangenen Jahr stabil geblieben.

Über das Unternehmen

GegründetMitarbeiterCEOWebsite
189193Kim Liddellmylsbank.com

Lake Shore Bancorp, Inc. ist die Bankholdinggesellschaft der Lake Shore Bank, die Bankprodukte und -dienstleistungen in New York anbietet. Das Unternehmen akzeptiert verschiedene Einlagenprodukte, wie z.B. reguläre Spareinlagen, einschließlich Christmas Club- und Statement-Sparkonten, NOW-Konten, Geldmarkt-Spar- und Girokonten, verzinsliche und unverzinsliche Girokonten, wie z.B. Sichteinlagen, Gesundheitssparkonten, Ruhestandskonten, Festgelder, Zinsen auf Anwaltskonten und Konten für Privatpersonen sowie gewerbliche Spar-, Giro- und Geldmarktkonten für kleine bis mittlere Unternehmen.

Lake Shore Bancorp, Inc.'s Grundlagenzusammenfassung

Wie verhalten sich die Erträge und Einnahmen von Lake Shore Bancorp im Vergleich zum Marktanteil des Unternehmens?
LSBK grundlegende Statistiken
MarktanteilUS$123.69m
Gewinn(TTM)US$8.14m
Umsatz(TTM)US$29.35m
15.2x
Kurs-Gewinn-Verhältnis
0.9x
Kurs-Buchwert-Verhältnis

Ist LSBK zu teuer?

Siehe Fair Value und Bewertungsanalyse

Erträge & Einnahmen

Wichtige Rentabilitätsstatistiken aus dem letzten Ergebnisbericht (TTM)
LSBK Gewinn- und Verlustrechnung (TTM)
EinnahmenUS$29.35m
Kosten der EinnahmenUS$0
BruttogewinnUS$29.35m
Sonstige AusgabenUS$21.22m
GewinnUS$8.14m

Zuletzt gemeldete Gewinne

Mar 31, 2026

Datum des nächsten Gewinnberichts

k.A.

Gewinn per Aktie (EPS)1.03
Bruttomarge100.00%
Nettogewinnspanne27.71%
Schulden/Eigenkapital-Verhältnis0%

Wie hat sich LSBK auf lange Sicht entwickelt?

Historische Performance und Vergleiche

Dividenden

2.3%
Aktuelle Dividendenrendite
33%
Ausschüttungsquote

Unternehmensanalyse und Finanzdaten Status

DatenZuletzt aktualisiert (UTC-Zeit)
Unternehmensanalyse2026/05/21 23:35
Aktienkurs zum Tagesende2026/05/21 00:00
Gewinne2026/03/31
Jährliche Einnahmen2025/12/31

Datenquellen

Die in unserer Unternehmensanalyse verwendeten Daten stammen von S&P Global Market Intelligence LLC. Die folgenden Daten werden in unserem Analysemodell verwendet, um diesen Bericht zu erstellen. Die Daten sind normalisiert, was zu einer Verzögerung bei der Verfügbarkeit der Quelle führen kann.

PaketDatenZeitrahmenBeispiel US-Quelle *
Finanzdaten des Unternehmens10 Jahre
  • Gewinn- und Verlustrechnung
  • Kapitalflussrechnung
  • Bilanz
Konsensschätzungen der Analysten+3 Jahre
  • Finanzielle Vorausschau
  • Kursziele der Analysten
Marktpreise30 Jahre
  • Aktienkurse
  • Dividenden, Splits und Aktionen
Eigentümerschaft10 Jahre
  • Top-Aktionäre
  • Insiderhandel
Verwaltung10 Jahre
  • Das Führungsteam
  • Direktorium
Wichtige Entwicklungen10 Jahre
  • Ankündigungen des Unternehmens

* Beispiel für US-Wertpapiere, für nicht-US-amerikanische Wertpapiere werden gleichwertige regulatorische Formulare und Quellen verwendet.

Sofern nicht anders angegeben, beziehen sich alle Finanzdaten auf einen Jahreszeitraum, werden aber vierteljährlich aktualisiert. Dies wird als Trailing Twelve Month (TTM) oder Last Twelve Month (LTM) Daten bezeichnet. Erfahren Sie mehr.

Analysemodell und Schneeflocke

Einzelheiten zu dem Analysemodell, mit dem dieser Bericht erstellt wurde, finden Sie auf unserer Github-Seite. Außerdem bieten wir Leitfäden zur Verwendung unserer Berichte und Tutorials auf YouTube an.

Erfahren Sie mehr über das Weltklasse-Team, das das Simply Wall St-Analysemodell entworfen und entwickelt hat.

Metriken für Industrie und Sektor

Unsere Branchen- und Sektionskennzahlen werden alle 6 Stunden von Simply Wall St berechnet. Details zu unserem Verfahren finden Sie auf Github.

Analysten-Quellen

Lake Shore Bancorp, Inc. wird von 0 Analysten beobachtet. 0 dieser Analysten hat die Umsatz- oder Gewinnschätzungen übermittelt, die als Grundlage für unseren Bericht dienen. Die von den Analysten übermittelten Daten werden im Laufe des Tages aktualisiert.