Lake Shore Bancorp Inc.

Dividend Per Share TTM ($)	0.00
Forward Annual Dividend Yield	0.00%
Ex Dividend Date (MM/DD/YYYY)
Dividend Pay Date (MM/DD/YYYY)	11/18/2022
Dividend Yield (TTM)	0.00%
Forward Annual Dividend Rate ($)	0.00
Dividend Payout Ratio	-6.46
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)
EPS Estimate Next Year ($)
EPS Estimate Next Quarter ($)
EPS Estimate Current Quarter ($)	0.00
Current Target Price ($)
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	0.00
2 week Ago Target Price ($)	0.00
3 week Ago Target Price ($)	0.00

Financial Health

Cash Flow Per Share TTM ($)	1.09
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.45
Long term debt per share (Last Quarter)	6.41
F Score	4.0

Technicals

RSI (14 Day)	29.03
14 Day SMA ($)	10.96
14 Day EMA ($)	10.86
Money Flow Index	84.01
Average True Range	0.90
50 Day SMA ($)	11.38
200 Day SMA ($)	10.91
ADX	0.00
MACD	-0.33

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	0.68
Profit Margin TTM (%)	-2.4
Return on Equity TTM (%)	3.82
Return on Capital TTM (%)	-0.37
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)
CARV		0 B	-5	8.45
ESBK	0.0262	0 B	19.2	22.905
FFIC	0.0359	1 B	11.1	23.41
GCBC	0.0135	0 B	12	38.4
NECB	0.0201	0 B	23.5	11.93
TRST	0.0412	1 B	10.6	33.98

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Financials

Income Statement

Balance Sheet

Cash Flow

LSBK Income Statement

Annual

	Dec-13	Dec-14	Dec-15	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22
Basic EPS from continuing operations	0.66	0.55	0.57	0.58	0.55	0.66	0.68	0.77	1.05	0.97
Basic EPS total	0.66	0.55	0.57	0.58	0.55	0.66	0.68	0.77	1.05	0.97
Basic weighted shares outstanding	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M
CreditLossesProvision	105000.0	222000.0	400000.0	1 M	510000.0	390000.0	900000.0	2 M	650000.0	725000.0
Depreciation	-699000.0	-750000.0	-834000.0	-865000.0	-852000.0	-774000.0	-809000.0	840000.0	865000.0	856000.0
DepreciationAndAmortization	-699000.0	-750000.0	-834000.0	-865000.0	-852000.0	-774000.0	-809000.0	840000.0	865000.0	856000.0
Diluted EPS total	0.65	0.55	0.56	0.58	0.55	0.66	0.68	0.77	1.05	0.97
Diluted normalized net income/share	0.65	0.55	0.56	0.58	0.55	0.66	0.68	0.77	1.05	0.97
Diluted weighted shares outstanding	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M
Dividends paid per share	0.28	0.28	0.28	0.28	0.32	0.4	0.48	0.49	0.54	0.68
FeesAndCommissions	2 M	2 M	2 M	3 M	2 M	9 M	19 M		-33000.0	-11000.0
GeneralAndAdministrativeExpense	1 M	1 M	1 M	1 M	2 M	2 M	2 M	401000.0	487000.0	538000.0
ImpairmentOfCapitalAssets	-14000.0	-282000.0	-2000.0
Income before tax	5 M	4 M	4 M	4 M	5 M	5 M	5 M	5 M	7 M	7 M
Income taxes	1 M	850000.0	1 M	973000.0	1 M	734000.0	728000.0	824000.0	1 M	1 M
InsuranceAndClaims	1 M	1 M	1 M	1 M	1 M	1 M	1 M	124000.0	183000.0	272000.0
Interest expense	-4 M	-3 M	-3 M	-2 M	-3 M	-4 M	-5 M	4 M	3 M	2 M
InterestExpenseForDeposit	3 M	3 M	2 M	2 M	2 M	3 M	4 M	4 M	2 M	2 M
InterestExpenseForLongTermDebt	214000.0	284000.0	391000.0	373000.0	468000.0	548000.0	587000.0	668000.0	508000.0	494000.0
InterestExpenseForLongTermDebtAndCapitalSecurities	214000.0	284000.0	391000.0	373000.0	468000.0	548000.0	587000.0	668000.0	508000.0	494000.0
InterestExpenseForShortTermDebt	48000.0	20000.0					46000.0			49000.0
InterestIncome	19 M	18 M	18 M	18 M	19 M	22 M	24 M	24 M	25 M	27 M
InterestIncomeAfterProvisionForLoanLoss	15 M	14 M	14 M	13 M	16 M	17 M	17 M	18 M	21 M	24 M
InterestIncomeFromInvestmentSecurities	5 M	5 M	4 M	3 M	2 M	3 M	3 M	2 M	2 M	2 M
InterestIncomeFromLoans	14 M	13 M	14 M	15 M	17 M	18 M	21 M	22 M	23 M	25 M
InterestIncomeFromLoansAndLease	14 M	13 M	14 M	15 M	17 M	18 M	21 M	22 M	23 M	25 M
InterestIncomeFromSecurities	5 M	5 M	4 M	3 M	2 M	3 M	3 M	2 M	2 M	2 M
MarketingExpense	440000.0	429000.0	362000.0	536000.0	596000.0	606000.0	708000.0	671000.0	602000.0	714000.0
Net income from total operations	4 M	3 M	3 M	4 M	3 M	4 M	4 M	5 M	6 M	6 M
NetIncomeCommonStockholders	4 M	3 M	3 M	4 M	3 M	4 M	4 M	5 M	6 M	6 M
NetIncomeContinuousOperations	4 M	3 M	3 M	4 M	3 M	4 M	4 M	5 M	6 M	6 M
NetInterestIncome	15 M	14 M	14 M	14 M	16 M	18 M	18 M	20 M	22 M	24 M
NetOccupancyExpense	2 M	2 M	2 M	2 M	2 M	2 M	2 M	3 M	3 M	3 M
NonInterestExpense	-12 M	-13 M	-13 M	-14 M	-14 M	-15 M	-16 M	16 M	17 M	19 M
NonInterestIncome	2 M	2 M	3 M	4 M	3 M	2 M	2 M	3 M	3 M	3 M
Normalized income									-236750.0	-2 M
OccupancyAndEquipment	2 M	2 M	2 M	2 M	2 M	2 M	2 M	3 M	3 M	3 M
Other special charges	-139000.0	-142000.0	-144000.0	-157000.0	-156000.0	-157000.0	-151000.0	-6 M	-6 M	-7 M
OtherCustomerServices	2 M	2 M	2 M	2 M	2 M	2 M
OtherGandA	1 M	1 M	1 M	1 M	2 M	2 M	2 M	401000.0	487000.0	538000.0
OtherInterestExpense	104000.0	102000.0	86000.0	91000.0	82000.0	77000.0	73000.0	68000.0	63000.0	57000.0
OtherInterestIncome	14000.0	17000.0	22000.0	114000.0	270000.0	572000.0	369000.0	104000.0	35000.0	179000.0
OtherNonInterestExpense	654000.0	801000.0	1 M	1 M	1 M	1 M	1 M	3 M	3 M	3 M
OtherNonInterestIncome	399000.0	535000.0	538000.0	522000.0	600000.0	3 M	2 M	2 M	2 M	2 M
ProfessionalExpenseAndContractServicesExpense	1 M	1 M	941000.0	999000.0	872000.0	981000.0	858000.0	968000.0	2 M	2 M
Revenue per share	-91000.0	-99000.0	-107000.0	-108000.0	-126000.0	-130000.0	-120000.0	-102000.0	-117000.0	-110000.0
SalariesAndWages	6 M	7 M	7 M	7 M	8 M	8 M	9 M	9 M	9 M	10 M
SecuritiesActivities	206000.0	59000.0	440000.0	2 M	244000.0	9 M	19 M		-33000.0	-11000.0
Selling Gen & administrative expense	8 M	8 M	9 M	9 M	10 M	11 M	11 M	10 M	10 M	11 M
SellingAndMarketingExpense	440000.0	429000.0	362000.0	536000.0	596000.0	606000.0	708000.0	671000.0	602000.0	714000.0
Special income/charges	-654000.0	-801000.0	-1 M	-1 M	-1 M	-1 M	-1 M	-3 M	-3 M	-3 M
Total common shares outstanding	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M
Total net income	4 M	3 M	3 M	4 M	3 M	4 M	4 M	5 M	6 M	6 M
Total ordinary shares	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M	6 M
Total revenues	17 M	17 M	17 M	18 M	19 M	20 M	21 M	23 M	25 M	27 M
TotalRevenue	17 M	17 M	17 M	18 M	19 M	20 M	21 M	23 M	25 M	27 M

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Lake Shore Bancorp Inc.

Sector: Financial Services

Industry: Savings & Cooperative Banks

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

🎉 Exciting news! 🎉

You are invited to join our Discord Channel.

Interact, learn, and grow with experts in the markets!