Lake Shore Bancorp, Inc.

NasdaqGM:LSBK Stock Report

Market Cap: US$75.6m

Lake Shore Bancorp Past Earnings Performance

Past criteria checks 2/6

Lake Shore Bancorp has been growing earnings at an average annual rate of 2.7%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 6.7% per year. Lake Shore Bancorp's return on equity is 4.7%, and it has net margins of 16.6%.

Key information

2.7%

Earnings growth rate

3.3%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate6.7%
Return on equity4.7%
Net Margin16.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

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

Oct 20

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

Jul 20

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

Lake Shore Bancorp declares $0.13 dividend

Apr 28

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

Lake Shore Bancorp reports Q4 results

Jan 29

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?

Revenue & Expenses Breakdown

How Lake Shore Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NasdaqGM:LSBK Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24254180
30 Jun 24264180
31 Mar 24274190
31 Dec 23285190
30 Sep 23285200
30 Jun 23285190
31 Mar 23286190
31 Dec 22266170
30 Sep 22266160
30 Jun 22256160
31 Mar 22246160
31 Dec 21256160
30 Sep 21246160
30 Jun 21235150
31 Mar 21226150
31 Dec 20215150
30 Sep 20214140
30 Jun 20214140
31 Mar 20204140
31 Dec 19214140
30 Sep 19204140
30 Jun 19204140
31 Mar 19204140
31 Dec 18204140
30 Sep 18204140
30 Jun 18193130
31 Mar 18194130
31 Dec 17193130
30 Sep 17183130
30 Jun 17173130
31 Mar 17172130
31 Dec 16184120
30 Sep 16194120
30 Jun 16195120
31 Mar 16195120
31 Dec 15173120
30 Sep 15173120
30 Jun 15163120
31 Mar 15163120
31 Dec 14173110
30 Sep 14173110
30 Jun 14174110
31 Mar 14174110
31 Dec 13174110

Quality Earnings: LSBK has high quality earnings.

Growing Profit Margin: LSBK's current net profit margins (16.6%) are lower than last year (18.5%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: LSBK's earnings have grown by 2.7% per year over the past 5 years.

Accelerating Growth: LSBK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: LSBK had negative earnings growth (-20%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).


Return on Equity

High ROE: LSBK's Return on Equity (4.7%) is considered low.


Return on Assets


Return on Capital Employed


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/25 09:24
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Lake Shore Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution