Lake Shore Bancorp, Inc.
General ticker "LSBK" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $90.0M (TTM average)
Lake Shore Bancorp, Inc. follows the US Stock Market performance with the rate: 51.3%.
Estimated limits based on current volatility of 1.0%: low 15.10$, high 15.42$
Factors to consider:
- Earnings expected soon, date: 2026-01-23 bmo
- Company pays dividends (quarterly): last record date 2025-11-03, amount 0.09$ (Y2.38%)
- 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 fluctuations, Loan concentration, Labor/talent shortage/retention, Operational and conduct risks
- Current price 12.1% above estimated high
- Earnings for 9 months up through Q3 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [10.01$, 12.81$]
- 2025-12-31 to 2026-12-31 estimated range: [10.47$, 13.52$]
Financial Metrics affecting the LSBK estimates:
- Positive: with PPE of 17.1 at the end of fiscal year the price was low
- Positive: 7.54 < Operating profit margin, % of 15.39
- Negative: Shareholder equity ratio, % of 13.11 <= 19.35
- Positive: -3.57 < Return on assets ratio (scaled to [-100,100]) of 0.71
- Negative: Operating cash flow per share per price, % of 3.33 <= 6.63
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.14
- Negative: -0.18 < Industry inventory ratio change (median), % of 0
Short-term LSBK quotes
Long-term LSBK plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $29.46MM | $36.39MM | $38.11MM |
| Operating Expenses | $22.59MM | $30.18MM | $32.24MM |
| Operating Income | $6.87MM | $6.21MM | $5.87MM |
| Non-Operating Income | $0.00MM | $0.01MM | $0.00MM |
| Interest Expense | $2.42MM | $9.40MM | $13.74MM |
| Income(Loss) | $6.87MM | $6.22MM | $5.87MM |
| Taxes | $1.16MM | $1.40MM | $0.94MM |
| Profit(Loss)* | $5.71MM | $4.82MM | $4.93MM |
| Stockholders Equity | $81.18MM | $86.27MM | $89.87MM |
| Assets | $699.91MM | $725.12MM | $685.50MM |
| Operating Cash Flow | $8.14MM | $6.21MM | $2.51MM |
| Capital expenditure | $0.41MM | $0.39MM | $0.00MM |
| Investing Cash Flow | $-57.20MM | $19.52MM | $21.12MM |
| Financing Cash Flow | $-8.88MM | $18.37MM | $-44.22MM |
| Earnings Per Share** | $0.72 | $0.61 | $0.65 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.