YOLFTbeta
Lake Shore Bancorp Inc

Lake Shore Bancorp Inc

LSBK · NASDAQ · Financial Services / Banks - Regional

18.96USD-0.03 (-0.16%)

Price History

Full chart

Market Stats

Previous Close18.99
Open18.76
Day Range18.65 – 19.00
52-Week Range12.21 – 19.09
Volume18.30K
Market Cap142.39M
P/E (TTM)15.63
Forward P/E14.37
EPS1.16
Dividend Yield2.02%
Beta0.29
50-Day Avg17.46
200-Day Avg16.11

About

Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore 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; NOW 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 business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Kim C. Liddell
  • Employees87
  • Headquarters31 East Fourth Street, Dunkirk, NY, United States, 14048, USA
  • Websitehttps://mylsbank.com

Leadership

  • Mr. Kim C. LiddellCEO, President & Director · b. 1961
  • Mr. Taylor M. GildenCFO & Treasurer · b. 1991
  • Mr. Jeffrey M. WerdeinExecutive Vice President of Commercial Division · b. 1967

Financials

Income Statement

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue2.15M2.01M2.07M7.47M17.80M19.58M20.62M22.52M22.11M23.38M22.43M21.68M20.71M20.11M20.29M21.59M22.06M24.01M26.76M27.33M27.85M29.46M36.39M38.11M39.55M
Growth (%)--6.48%+3.34%+260.54%+138.20%+9.98%+5.34%+9.18%-1.82%+5.75%-4.06%-3.35%-4.49%-2.86%+0.89%+6.38%+2.20%+8.82%+11.45%+2.13%+1.90%+5.79%+23.53%+4.72%+3.79%
Cost of Revenue7.38M5.31M5.04M5.60M6.45M8.20M9.24M9.17M8.19M8.43M6.05M5.26M3.66M3.57M3.16M3.42M3.14M3.99M6.10M6.03M3.31M3.14M8.35M12.26M11.50M
Gross Profit2.15M2.01M2.07M1.88M11.36M11.38M11.39M13.35M13.91M14.95M16.38M16.42M17.05M16.54M17.14M18.17M18.92M20.02M20.66M21.30M24.53M26.32M28.04M25.85M28.06M
Gross Margin100.00%100.00%100.00%25.09%63.79%58.10%55.21%59.28%62.94%63.94%73.02%75.74%82.32%82.25%84.44%84.16%85.77%83.37%77.22%77.94%88.10%89.34%77.04%67.82%70.93%
Operating Expense-936.00K-1.31M-178.00K-1.21M8.35M8.65M9.12M11.54M11.04M11.53M11.31M11.81M12.33M12.82M13.08M13.88M14.36M15.43M15.92M15.92M17.06M19.45M21.82M19.98M19.31M
Operating Income3.08M3.32M2.25M3.08M3.01M2.73M2.27M1.81M2.88M3.42M5.07M4.61M4.71M3.73M4.05M4.29M4.56M4.58M4.74M5.38M7.47M6.87M6.21M5.87M8.75M
Operating Margin143.64%165.55%108.59%41.22%16.89%13.94%11.00%8.05%13.02%14.61%22.62%21.26%22.75%18.52%19.98%19.87%20.68%19.10%17.72%19.69%26.84%23.32%17.07%15.39%22.12%
EBITDA3.08M3.32M2.25M3.69M3.63M3.38M2.81M2.34M3.42M4.02M5.73M5.27M5.41M4.47M4.89M5.16M5.42M5.36M5.55M6.22M8.34M7.73M7.03M6.61M9.21M
EBITDA Margin143.64%165.55%108.59%49.34%20.36%17.27%13.63%10.38%15.49%17.19%25.54%24.32%26.13%22.25%24.09%23.88%24.54%22.32%20.74%22.77%29.95%26.23%19.31%17.33%23.29%
Net Income2.06M2.24M1.51M2.18M2.05M1.82M1.82M1.47M2.16M3.04M3.68M3.63M3.74M3.16M3.34M3.52M3.38M4.00M4.09M4.56M6.19M5.71M4.82M4.93M7.27M
Net Income Margin96.18%111.47%72.70%29.15%11.54%9.29%8.81%6.53%9.77%13.02%16.41%16.73%18.08%15.70%16.45%16.28%15.31%16.66%15.27%16.68%22.22%19.38%13.25%12.94%18.38%
R&D----------00000000-------
R&D as % of Total Revenue----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense7.05M4.95M4.69M5.33M6.43M8.04M9.13M8.78M7.93M6.32M5.64M4.60M3.56M3.35M2.76M2.29M2.63M3.60M5.20M4.40M2.67M2.42M9.40M13.74M11.72M
Interest Expense % of Total Revenue328.81%246.56%226.44%71.34%36.10%41.09%44.28%38.98%35.86%27.01%25.13%21.23%17.17%16.65%13.59%10.63%11.92%15.00%19.42%16.12%9.57%8.20%25.82%36.06%29.63%

Balance Sheet

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets214.09M238.06M303.51M329.84M333.72M354.24M357.80M407.83M425.66M479.05M488.60M482.39M482.17M487.47M473.38M489.17M518.98M545.71M610.87M686.20M713.74M699.91M725.12M685.50M727.32M
Total Liabilities192.38M214.11M278.56M302.93M305.73M300.49M304.34M353.61M370.21M423.84M424.65M415.40M416.90M415.84M399.51M413.14M440.60M465.90M34.65M600.28M625.76M618.73M638.85M595.64M585.68M
Total Equity21.70M23.94M24.95M26.91M28.00M53.75M53.47M54.23M55.45M55.21M63.95M66.98M65.27M71.63M73.88M76.03M78.38M79.80M576.22M85.92M87.98M81.18M86.27M89.87M141.64M
Cash14.27M16.24M16.75M11.58M11.26M10.28M10.05M11.46M14.81M22.81M12.43M11.77M10.07M35.81M34.23M45.48M40.91M12.12M30.29M42.98M67.58M9.63M53.73M33.13M64.28M
Total Debt1.11M4.00M11.80M56.08M48.69M43.35M56.45M51.96M43.00M39.16M34.14M25.60M19.50M18.95M21.15M20.82M30.87M31.03M40.88M29.75M21.95M37.55M35.25M10.25M1.33M
Net Debt-13.15M-12.23M-4.95M44.51M37.42M33.07M46.40M40.51M28.19M16.35M21.71M13.83M9.43M-16.86M-13.08M-26.53M-13.96M12.53M4.36M-13.22M-45.63M27.91M-18.48M-22.88M-62.95M

Cash Flow

Currency: USD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-3.83M2.93M4.50M2.09M4.18M2.55M4.90M6.15M6.75M5.38M4.35M4.96M4.29M5.83M6.11M5.84M5.60M8.55M8.14M6.21M2.51M8.00M
Investing Cash Flow--32.88M-4.82M-14.76M-12.52M-31.45M-24.64M-44.78M-14.26M179.00K-11.15M16.17M9.91M-7.25M-36.46M-39.09M-64.73M-62.14M-5.74M-57.20M19.52M21.12M-8.13M
Financing Cash Flow-23.88M2.37M16.89M1.84M46.22M15.12M51.33M-1.70M-10.87M3.20M-1.91M-16.46M14.21M26.07M22.81M58.43M69.22M21.80M-8.88M18.37M-44.22M31.28M
Capital Expenditure0783.00K1.63M236.00K229.00K1.81M301.00K1.62M216.00K1.82M657.00K627.00K459.00K468.00K1.48M818.00K810.00K399.00K627.00K406.00K391.00K114.00K560.00K
Free Cash Flow-3.04M1.30M4.26M1.86M2.37M2.25M3.28M5.94M4.93M4.72M3.72M4.50M3.83M4.35M5.30M5.03M5.20M7.92M7.73M5.81M2.51M7.44M
Dividends Paid---82.00K346.00K484.00K465.00K530.00K647.00K928.00K587.00K590.00K611.00K888.00K743.00K880.00K1.27M1.02M1.08M1.44M462.00K1.08M1.02M
FCF to OCF-79.53%44.51%94.76%89.03%56.71%88.18%66.97%96.49%73.02%87.79%85.58%90.75%89.10%74.60%86.62%86.12%92.88%92.67%95.01%93.70%100.00%93.00%
Dividend Paid to FCF---1.92%18.61%20.40%20.70%16.15%10.90%18.82%12.42%15.86%13.57%23.21%17.09%16.62%25.31%19.60%13.68%18.63%7.95%43.14%13.70%

Earnings

Report DateJun 30, 2006Sep 30, 2006Dec 31, 2006May 11, 2007Aug 1, 2007Oct 24, 2007Feb 6, 2008May 1, 2008Jul 29, 2008Oct 31, 2008Feb 16, 2009May 1, 2009Aug 5, 2009Nov 2, 2009Feb 5, 2010May 3, 2010Jul 29, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Apr 27, 2017Jul 26, 2017Oct 26, 2017Jan 30, 2018Apr 25, 2018Jul 25, 2018Oct 24, 2018Jan 30, 2019Apr 25, 2019Jul 24, 2019Oct 23, 2019Jan 30, 2020Apr 24, 2020Jul 27, 2020Oct 26, 2020Jan 29, 2021Apr 28, 2021Jul 26, 2021Oct 27, 2021Feb 2, 2022Apr 27, 2022Jul 20, 2022Oct 26, 2022Jan 31, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Jan 31, 2024Apr 22, 2024Jul 24, 2024Oct 23, 2024Jan 24, 2025Apr 29, 2025Jul 24, 2025Oct 22, 2025Dec 31, 2025Apr 28, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate----------------------------------------------------------------------------------
EPS Actual0.060.070.040.040.040.070.080.08-0.110.110.110.050.040.080.100.090.080.160.170.170.200.100.180.160.150.150.160.140.170.180.140.160.120.140.100.120.210.140.330.110.130.020.120.120.190.150.140.150.160.170.170.150.130.200.200.120.230.210.210.290.130.290.320.180.290.310.210.290.140.270.130.170.190.240.260.190.340.320.250.260.29-
Surprise----------------------------------------------------------------------------------
Timing--------------------------------------------------------------Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-

Key Statistics & Ratios

Market Cap142.39M
Enterprise Value61.20M
Trailing P/E15.63
Forward P/E14.37
PEG Ratio0.00
Price / Sales4.75
Price / Book0.98
EPS1.16
Book Value19.64
Revenue (TTM)29.95M
Gross Profit (TTM)29.95M
Profit Margin28.01%
Operating Margin36.20%
Return on Equity7.06%
Return on Assets1.14%
Shares Outstanding7.85M
Shares Float5.35M
Beta0.29
Dividend Yield2.02%
Dividend Rate0.36
Payout Ratio32.23%

Ownership Breakdown

Institutions
29.26%
Insiders
15.87%
Retail / Other
54.87%

Top Institutional Holders

  • Stilwell Value LLC
    773.67K9.85%
  • AllianceBernstein L.P.
    448.96K5.72%
  • Oppenheimer & Close Inc
    180.00K2.29%
  • Mangrove Partners
    150.59K1.92%
  • Hbk Sorce Advisory LLC
    88.08K1.12%
  • GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
    74.54K0.95%
  • Peapod Lane Capital LLC
    70.04K0.89%
  • Renaissance Technologies Corp
    69.04K0.88%
  • Dimensional Fund Advisors, Inc.
    47.93K0.61%
  • Minerva Advisors LLC
    44.26K0.56%
  • Morgan Stanley - Brokerage Accounts
    29.91K0.38%
  • Courier Capital Corp
    25.69K0.33%
  • First Manhattan Co. LLC
    25.07K0.32%
  • Vanguard Capital Management, LLC
    24.19K0.31%
  • Acadian Asset Management LLC
    21.81K0.28%
  • Sandhill Capital Partners LLC
    18.22K0.23%
  • Geode Capital Management, LLC
    17.94K0.23%
  • Round Hill Asset Management Inc
    15.71K0.20%
  • HPM Partners LLC
    15.34K0.20%

Top Fund Holders

  • iShares Micro-Cap ETF
    23.76K0.30%

Dividends

20264×
0.09Nov 2, 20260.09Aug 3, 20260.09May 4, 20260.09Feb 2, 2026
20253×
0.09Nov 3, 20250.09Aug 4, 20250.13Feb 10, 2025
20243×
0.13Nov 4, 20240.13Aug 12, 20240.13May 3, 2024
20224×
0.13Nov 3, 20220.13Aug 1, 20220.12May 6, 20220.12Feb 23, 2022
20214×
0.10Nov 8, 20210.10Aug 5, 20210.10May 7, 20210.10Feb 25, 2021
20204×
0.10Nov 4, 20200.09Aug 5, 20200.09May 6, 20200.09Feb 21, 2020
20192×
0.09Nov 6, 20190.09Aug 2, 2019

Stock Splits

  • Jul 21, 20251354:1000