Lake Shore Bancorp (LSBK) AI Stock Analysis

• Market Cap: $108.67M
• Dividend Yield: 2.26%
• Average Volume (3M): 23.68K
• Price to Earnings (P/E): 15.7
• Beta (1Y): 0.42
• Revenue Growth: 2.48%
• EPS Growth: 66.28%
• Country: US
• Employees: 93
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 7,825,501
• 10 Day Avg. Volume: 26,783
• 30 Day Avg. Volume: 23,685
• PEG Ratio: 2.39
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 2.03
• P/FCF Ratio: 30.83
• Enterprise Value/Market Cap: 0.18
• Enterprise Value/Revenue: 0.52
• Enterprise Value/Gross Profit: 0.76
• Enterprise Value/Ebitda: 2.66
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• Price Target: $14.00 ▲(10.15% Upside)

Lake Shore Bancorp's overall stock score reflects its strong financial performance and stable balance sheet, which are the most significant factors. Technical analysis indicates mixed signals, and the valuation is fair but not particularly compelling. The absence of earnings call data and corporate events means these factors do not influence the score.

Lake Shore Bancorp Business Overview & Revenue Model

Company Description

Lake Shore Bancorp (LSBK) is a financial holding company based in New York, primarily engaged in providing a range of banking and financial services through its wholly-owned subsidiary, Lake Shore Savings Bank. The company operates within the banking sector, offering products such as personal and commercial loans, mortgages, deposit accounts, and other financial services to its customers, including individuals and small to medium-sized businesses.

How the Company Makes Money

Lake Shore Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. The key revenue streams include interest earned on residential and commercial mortgages, home equity lines of credit, and other consumer loans. Additionally, the company earns fees from deposit accounts, ATM services, and transaction services. Significant partnerships with local businesses and real estate developers also contribute to its lending activities, while its focus on community engagement helps to attract and retain a loyal customer base, further enhancing its earnings potential.

Lake Shore Bancorp Financial Statement Overview

Summary

Lake Shore Bancorp demonstrates a robust financial position with consistent revenue growth and stable profitability. The balance sheet is strong with low leverage, enhancing financial stability. Cash flow performance is generally positive, though there is room for improvement in operating cash flow conversion.

Income Statement

Lake Shore Bancorp shows a solid income statement with consistent revenue growth and stable profitability. The TTM data indicates a revenue growth rate of 9.6%, which is a positive trend. Gross profit margin and net profit margin are healthy, although there is a slight decline in gross profit margin over the years. The EBIT and EBITDA margins are stable, reflecting efficient operations. Overall, the income statement reflects a strong financial performance with room for improvement in gross profit margins.

Balance Sheet

The balance sheet of Lake Shore Bancorp is stable with a low debt-to-equity ratio of 0.044 in the TTM period, indicating low leverage and financial stability. Return on equity is moderate at 6.36%, suggesting efficient use of equity to generate profits. The equity ratio is strong, reflecting a solid capital structure. However, the declining trend in return on equity over the years is a point of concern that needs monitoring.

Cash Flow

Cash flow analysis reveals a positive trend in free cash flow growth, with a significant increase of 26.8% in the TTM period. The operating cash flow to net income ratio is low, indicating potential challenges in converting income into cash flow. The free cash flow to net income ratio is strong, suggesting effective cash management. Overall, cash flow performance is satisfactory, with a need to improve operating cash flow conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	38.30M	38.11M	36.39M	29.46M	27.85M	27.33M
Gross Profit	26.49M	25.85M	28.04M	26.32M	24.53M	21.30M
EBITDA	7.56M	6.61M	7.03M	7.73M	8.34M	6.22M
Net Income	5.78M	4.93M	4.82M	5.71M	6.19M	4.56M
Balance Sheet
Total Assets	734.84M	685.50M	725.12M	699.91M	714.09M	686.20M
Cash, Cash Equivalents and Short-Term Investments	123.11M	89.63M	114.17M	82.68M	156.76M	122.26M
Total Debt	2.00M	10.25M	35.97M	38.49M	21.95M	30.44M
Total Liabilities	641.95M	595.64M	638.85M	618.73M	625.76M	600.28M
Stockholders Equity	92.88M	89.87M	86.27M	81.18M	87.98M	85.92M
Cash Flow
Free Cash Flow	3.95M	2.51M	5.81M	7.80M	7.92M	5.20M
Operating Cash Flow	4.48M	2.51M	6.21M	8.21M	8.55M	5.60M
Investing Cash Flow	-5.41M	21.12M	19.52M	-57.20M	-5.74M	-62.14M
Financing Cash Flow	15.31M	-44.22M	18.37M	-8.95M	21.80M	69.22M

Lake Shore Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.71
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LSBK, the sentiment is Positive. The current price of 12.71 is below the 20-day moving average (MA) of 13.04, below the 50-day MA of 13.03, and above the 200-day MA of 11.78, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 80.19 is Negative, neither overbought nor oversold. The STOCH value of 90.51 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LSBK.

Lake Shore Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PROV	―	$102.14M	17.28	4.68%	3.53%	0.99%	-16.23%
MGYR	―	$111.21M	11.05	8.51%	1.70%	12.08%	29.55%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LSBK	―	$108.67M	15.72	5.94%	2.26%	2.48%	66.28%
RVSB	―	$108.93M	23.47	2.90%	1.54%	8.77%	369.81%
UNB	―	$103.72M	10.89	―	6.31%	14.58%	7.73%
PBHC	―	$93.02M	84.10	2.26%	2.66%	0.84%	―