Lake Net Interest Income from 2010 to 2026

LSBK Stock  USD 15.42  0.07  0.45%   
Lake Shore Net Interest Income yearly trend continues to be quite stable with very little volatility. The value of Net Interest Income is projected to decrease to about 21.6 M. Net Interest Income is the difference between the revenue generated from a bank's interest-bearing assets and the expenses associated with paying its interest-bearing liabilities. View All Fundamentals
 
Net Interest Income  
First Reported
2019-03-31
Previous Quarter
6.1 M
Current Value
6.4 M
Quarterly Volatility
579 K
 
Covid
 
Interest Hikes
Check Lake Shore financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Lake Shore's main balance sheet or income statement drivers, such as Interest Expense of 6.5 M, Total Revenue of 23.7 M or Gross Profit of 17.6 M, as well as many indicators such as Price To Sales Ratio of 4.44, Dividend Yield of 0.0224 or PTB Ratio of 1.52. Lake financial statements analysis is a perfect complement when working with Lake Shore Valuation or Volatility modules.
  
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Check out the analysis of Lake Shore Correlation against competitors.
Historical Net Interest Income data for Lake Shore serves as a key indicator of operational performance and financial stability. Tracking changes in this metric over time helps investors spot emerging trends before they become obvious, providing an edge in assessing whether Lake Shore Bancorp represents a compelling investment opportunity.

Latest Lake Shore's Net Interest Income Growth Pattern

Below is the plot of the Net Interest Income of Lake Shore Bancorp over the last few years. It is the difference between the revenue generated from a bank's interest-bearing assets and the expenses associated with paying its interest-bearing liabilities. Lake Shore's Net Interest Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Lake Shore's overall financial position and show how it may be relating to other accounts over time.
Net Interest Income10 Years Trend
Slightly volatile
   Net Interest Income   
       Timeline  

Lake Net Interest Income Regression Statistics

Arithmetic Mean18,617,692
Geometric Mean18,253,205
Coefficient Of Variation20.77
Mean Deviation3,369,792
Median17,934,000
Standard Deviation3,866,484
Sample Variance14.9T
Range10.5M
R-Value0.90
Mean Square Error3T
R-Squared0.81
Slope689,367
Total Sum of Squares239.2T

Lake Net Interest Income History

202621.6 M
202524.2 M
202421.1 M
202325.3 M
202224.3 M
202122 M
202019.9 M

About Lake Shore Financial Statements

Lake Shore investors utilize fundamental indicators, such as Net Interest Income, to predict how Lake Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Net Interest Income24.2 M21.6 M

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When determining whether Lake Shore Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Lake Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Lake Shore Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Lake Shore Bancorp Stock:
Check out the analysis of Lake Shore Correlation against competitors.
You can also try the Global Correlations module to find global opportunities by holding instruments from different markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Lake Shore. Expected growth trajectory for Lake significantly influences the price investors are willing to assign. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Lake Shore assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
0.355
Dividend Share
0.27
Earnings Share
0.96
Revenue Per Share
4.878
Quarterly Revenue Growth
0.201
Lake Shore Bancorp's market price often diverges from its book value, the accounting figure shown on Lake's balance sheet. Smart investors calculate Lake Shore's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since Lake Shore's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Lake Shore's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Lake Shore represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Lake Shore's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.