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LSBK

Lake Shore Bancorp NasdaqGM:LSBK Stock Report

Last Price

US$12.90

Market Cap

US$72.2m

7D

-0.2%

1Y

-15.1%

Updated

28 Nov, 2022

Data

Company Financials
LSBK fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends4/6

LSBK Stock Overview

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services.

Lake Shore Bancorp, Inc. Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Lake Shore Bancorp
Historical stock prices
Current Share PriceUS$12.90
52 Week HighUS$15.25
52 Week LowUS$12.73
Beta0.45
1 Month Change-3.01%
3 Month Change-2.64%
1 Year Change-15.13%
3 Year Change-15.41%
5 Year Change-23.21%
Change since IPO20.56%

Recent News & Updates

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

Oct 20

Recent updates

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

Feb 15
Lake Shore Bancorp (NASDAQ:LSBK) Is Increasing Its Dividend To US$0.16

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

May 13
Shareholders May Not Be So Generous With Lake Shore Bancorp, Inc.'s (NASDAQ:LSBK) CEO Compensation And Here's Why

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

Mar 29
Is Lake Shore Bancorp, Inc. (NASDAQ:LSBK) A Great Dividend Stock?

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

Feb 20
Lake Shore Bancorp, Inc. (NASDAQ:LSBK) Pays A US$0.13 Dividend In Just Four Days

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

Jan 27
A Look At Lake Shore Bancorp's (NASDAQ:LSBK) Share Price Returns

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

Dec 05
Is Lake Shore Bancorp, Inc. (NASDAQ:LSBK) A Smart Pick For Income Investors?

Shareholder Returns

LSBKUS MortgageUS Market
7D-0.2%0.7%0.3%
1Y-15.1%-26.8%-20.5%

Return vs Industry: LSBK exceeded the US Mortgage industry which returned -26.1% over the past year.

Return vs Market: LSBK exceeded the US Market which returned -18.5% over the past year.

Price Volatility

Is LSBK's price volatile compared to industry and market?
LSBK volatility
LSBK Average Weekly Movement3.7%
Mortgage Industry Average Movement4.1%
Market Average Movement7.4%
10% most volatile stocks in US Market15.6%
10% least volatile stocks in US Market3.3%

Stable Share Price: LSBK is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: LSBK's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1891106Dan Reiningahttps://lakeshoresavings.com

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.

Lake Shore Bancorp, Inc. Fundamentals Summary

How do Lake Shore Bancorp's earnings and revenue compare to its market cap?
LSBK fundamental statistics
Market CapUS$72.19m
Earnings (TTM)US$6.33m
Revenue (TTM)US$25.85m

11.4x

P/E Ratio

0.9x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
LSBK income statement (TTM)
RevenueUS$25.85m
Cost of RevenueUS$0
Gross ProfitUS$25.85m
Other ExpensesUS$19.51m
EarningsUS$6.33m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.13
Gross Margin100.00%
Net Profit Margin24.50%
Debt/Equity Ratio31.9%

How did LSBK perform over the long term?

See historical performance and comparison

Dividends

5.6%

Current Dividend Yield

63%

Payout Ratio