Lake Shore Bancorp, Inc.
General ticker "LSBK" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $112.0M (TTM average)
Lake Shore Bancorp, Inc. follows the US Stock Market performance with the rate: 46.1%.
Estimated limits based on current volatility of 1.8%: low 17.59$, high 18.23$
Factors to consider:
- Earnings expected soon, date: nan
- Company pays dividends (quarterly): last record date 2026-08-03, amount 0.09$ (Y1.97%)
- Total employees count: 100 (-14.5%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Interest rate risk, Commercial loan concentration, Labor/talent shortage/retention, Operational and conduct risks
- Current price 12.1% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [12.51$, 16.26$]
- 2026-12-31 to 2027-12-31 estimated range: [12.78$, 16.77$]
Financial Metrics affecting the LSBK estimates:
- Positive: with PPE of 14.0 at the end of fiscal year the price was neutral
- Positive: 15.80 < Operating profit margin, % of 22.12
- Positive: 6.77 < Operating cash flow per share per price, % of 7.27
- Negative: Investing cash flow per share per price, % of -7.39 <= -7.11
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
- Positive: 12.78 < Shareholder equity ratio, % of 19.47 <= 25.20
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
- Negative: Interest expense per share per price, % of 10.65 > 10.35
Short-term LSBK quotes
Long-term LSBK plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $26.99MM | $24.41MM | $39.55MM |
| Operating Expenses | $20.77MM | $18.54MM | $30.80MM |
| Operating Income | $6.21MM | $5.87MM | $8.75MM |
| Non-Operating Income | $0.01MM | $0.00MM | $0.00MM |
| Interest Expense | $9.40MM | $13.74MM | $11.72MM |
| Income(Loss) | $6.22MM | $5.87MM | $8.75MM |
| Taxes | $1.40MM | $0.94MM | $1.48MM |
| Net Income(Loss)* | $4.82MM | $4.93MM | $7.27MM |
| Stockholders Equity | $86.27MM | $89.87MM | $141.64MM |
| Assets | $725.12MM | $685.50MM | $727.32MM |
| Operating Cash Flow | $6.21MM | $2.51MM | $8.00MM |
| Capital expenditure | $0.39MM | $0.00MM | $0.56MM |
| Investing Cash Flow | $19.52MM | $21.12MM | $-8.13MM |
| Financing Cash Flow | $18.37MM | $-44.22MM | $31.28MM |
| Earnings Per Share** | $0.61 | $0.65 | $0.98 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.