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Lake Shore Bancorp Inc
LSBK | US
13.45
USD-0.49
-3.52%
LSBK | US
About Lake Shore Bancorp Inc
Sector
Financial Services
Industry
Savings & Cooperative Banks
Earnings date
30/06/2024
As of date
21/10/2024
Close
13.45
Open
13.51
High
13.51
Low
13.45
Lake Shore Bancorp Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services in New York. The company accepts various deposit products such as regular savings deposits including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals as well as commercial savings checking and money market accounts for small to medium sized businesses. Its loan portfolio consists of commercial real estate commercial construction and home equity loans and lines of credit; commercial loans comprising business installment loans lines of credit and other commercial loans; one- to four-family residential mortgages; and consumer loans such as personal consumer loans overdraft lines of credit vehicle loans secured and unsecured property improvement loans and other secured loans as well as loans secured by certificates of deposit. The company was founded in 1891 and is headquartered in Dunkirk New York. Lake Shore Bancorp Inc. is a subsidiary of Lake Shore MHC.
View LessLSBK | US
Risk
31.7
Sharpe
1.17
Luna's Score
58/100
Recommendation
Hold
Luna says (LSBK | US)
What's Working
Positive Momentum
Good Dividend Yield (2% <= Dividend Yield <= 8%)
Low Market Beta (-0.4 to 0.8)
Low Debt to Asset (< 0.2)
Value Stock (Price to Book < 3)
Strong Operating Margin (> 25%)
What's not Working
High Short-term Volatility
Microcap (<300M USD)
Declining Revenue (< 0%)
Volatility Signals
Bearish: Increased Volatility (6-month > 1-month volatility)
Risk Meter
10 days
34.3%1 month
31.7%3 months
26.0%6 months
33.2%Returns
Fundamental Ratios
PE
18.59
Fwd. PE
-
Price to book
0.92
Debt to equity
0.27
Debt to assets
0.03
Ent. to EBITDA
-
Ent. to rev.
4.10
PEG
-
Other Fundamentals
EBITDA
-
MarketCap
77.16M
MarketCap(USD)
77.16M
Div. yield
5.16
Op. margin
25.94
Erngs. growth
35.80
Rev. growth
-10.40
Ret. on equity
5.22
Short ratio
0.35
Short perc.
0.12
Market Sentiment (SMA and Price signals)
Short-term: Bearish (SMA10D < SMA1M)
Intermediate-term: Bullish (SMA1M > SMA3M)
Long-term: Bullish (SMA6M > SMA12M)
SMAs: Stock Price Trends
Range10D
0.93
Range1M
1.33
Range3M
2.14
Volumes: Market Activity
Rel. volume
0.23
Price X volume
11.03K
Peers
Diversifiers
Industry Comparison
| Parameter | Company | Industry | Indicator |
|---|---|---|---|
| Enterprise to EBITDA | - | - | - |
| Ent. to Revenue | 4.10 | 9.60 | Cheaper |
| PE Ratio | 18.59 | 20.95 | Par |
| Price to Book | 0.92 | 0.99 | Par |
| Dividend Yield | 5.16 | 2.87 | Leader |
| Std. Deviation (3M) | 26.01 | 37.27 | Lower Risk |
| Debt to Equity | 0.27 | 1.39 | Cheaper |
| Debt to Assets | 0.03 | 0.12 | Cheaper |
| Market Cap | 77.16M | 1.16B | Emerging |
