Lake Shore Bancorp Stock Fundamentals
| LSBK Stock | USD 13.75 0.15 1.10% |
Lake Shore Bancorp fundamentals help investors to digest information that contributes to Lake Shore's financial success or failures. It also enables traders to predict the movement of Lake Stock. The fundamental analysis module provides a way to measure Lake Shore's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Lake Shore stock.
At this time, Lake Shore's Interest Expense is quite stable compared to the past year. Other Operating Expenses is expected to rise to about 31.7 M this year, although the value of Operating Income will most likely fall to about 4.9 M. Lake | Select Account or Indicator |
Lake Shore Bancorp Company Return On Asset Analysis
Lake Shore's Return on Asset or ROA shows how effective is the management of the company in generating income from utilizing all of the assets at their disposal. It is a useful ratio to evaluate the performance of different departments of a company as well as to understand management performance over time.
Current Lake Shore Return On Asset | 0.006 |
Most of Lake Shore's fundamental indicators, such as Return On Asset, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Lake Shore Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
Return on Asset measures overall efficiency of a company in generating profits from its total assets. It is expressed as the percentage of profits earned per dollar of Asset. A low ROA typically means that a company is asset-intensive and therefore will needs more money to continue generating revenue in the future.
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Based on the latest financial disclosure, Lake Shore Bancorp has a Return On Asset of 0.006. This is 101.28% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on asset for all United States stocks is 104.29% lower than that of the firm.
Lake Shore Bancorp Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Lake Shore's current stock value. Our valuation model uses many indicators to compare Lake Shore value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Lake Shore competition to find correlations between indicators driving Lake Shore's intrinsic value. More Info.Lake Shore Bancorp is rated below average in return on equity category among its peers. It is rated fourth overall in return on asset category among its peers reporting about 0.12 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Lake Shore Bancorp is roughly 8.17 . At this time, Lake Shore's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Lake Shore by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Lake Return On Asset Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Lake Shore's direct or indirect competition against its Return On Asset to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Lake Shore could also be used in its relative valuation, which is a method of valuing Lake Shore by comparing valuation metrics of similar companies.Lake Shore is currently under evaluation in return on asset category among its peers.
Lake Shore Current Valuation Drivers
We derive many important indicators used in calculating different scores of Lake Shore from analyzing Lake Shore's financial statements. These drivers represent accounts that assess Lake Shore's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Lake Shore's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 91.3M | 91.8M | 87.7M | 71.0M | 68.6M | 59.8M | |
| Enterprise Value | 103.8M | 96.2M | 41.7M | 98.9M | 50.1M | 86.2M |
Lake Shore ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Lake Shore's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Lake Shore's managers, analysts, and investors.Environmental | Governance | Social |
Lake Fundamentals
| Return On Equity | 0.049 | |||
| Return On Asset | 0.006 | |||
| Profit Margin | 0.17 % | |||
| Operating Margin | 0.25 % | |||
| Current Valuation | 37 M | |||
| Shares Outstanding | 5.74 M | |||
| Shares Owned By Insiders | 66.27 % | |||
| Shares Owned By Institutions | 9.37 % | |||
| Number Of Shares Shorted | 2.3 K | |||
| Price To Earning | 13.34 X | |||
| Price To Book | 0.87 X | |||
| Price To Sales | 3.11 X | |||
| Revenue | 28.04 M | |||
| Gross Profit | 26.32 M | |||
| EBITDA | 7.03 M | |||
| Net Income | 4.82 M | |||
| Cash And Equivalents | 19.68 M | |||
| Cash Per Share | 3.33 X | |||
| Total Debt | 35.25 M | |||
| Debt To Equity | 5.41 % | |||
| Book Value Per Share | 15.93 X | |||
| Cash Flow From Operations | 6.21 M | |||
| Short Ratio | 1.69 X | |||
| Earnings Per Share | 0.75 X | |||
| Number Of Employees | 115 | |||
| Beta | 0.53 | |||
| Market Capitalization | 78.02 M | |||
| Total Asset | 725.12 M | |||
| Retained Earnings | 78.96 M | |||
| Annual Yield | 0.05 % | |||
| Five Year Return | 3.21 % | |||
| Net Asset | 725.12 M | |||
| Last Dividend Paid | 0.54 |
About Lake Shore Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Lake Shore Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Lake Shore using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Lake Shore Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Current Deferred Revenue | 3.3 M | 3.5 M | |
| Total Revenue | 28 M | 17.1 M | |
| Cost Of Revenue | 63.2 K | 60.1 K | |
| Sales General And Administrative To Revenue | 0.67 | 0.58 | |
| Capex To Revenue | 0.01 | 0.01 | |
| Revenue Per Share | 4.79 | 5.03 | |
| Ebit Per Revenue | 0.22 | 0.21 |
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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. If investors know Lake will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Lake Shore listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.11) | Dividend Share 0.54 | Earnings Share 0.75 | Revenue Per Share 4.51 | Quarterly Revenue Growth (0.1) |
The market value of Lake Shore Bancorp is measured differently than its book value, which is the value of Lake that is recorded on the company's balance sheet. Investors also form their own opinion of Lake Shore's value that differs from its market value or its book value, called intrinsic value, which is Lake Shore's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Lake Shore's market value can be influenced by many factors that don't directly affect Lake Shore's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Lake Shore's value and its price as these two are different measures arrived at by different means. Investors typically determine if Lake Shore is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. 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.