Lake Shore Valuation
| LSBK Stock | USD 13.73 0.23 1.70% |
At this time, the firm appears to be overvalued. Lake Shore Bancorp secures a last-minute Real Value of $11.39 per share. The latest price of the firm is $13.73. Our model forecasts the value of Lake Shore Bancorp from analyzing the firm fundamentals such as Profit Margin of 0.17 %, return on equity of 0.049, and Current Valuation of 37 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Lake Shore's valuation include:
Price Book 0.8761 | Enterprise Value | Price Sales 3.1078 | Trailing PE 18.1333 | Enterprise Value Revenue 3.6414 |
Overvalued
Today
Please note that Lake Shore's price fluctuation is not too volatile at this time. Calculation of the real value of Lake Shore Bancorp is based on 3 months time horizon. Increasing Lake Shore's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Lake Shore's intrinsic value may or may not be the same as its current market price of 13.73, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 13.73 | Real 11.39 | Hype 13.69 |
The intrinsic value of Lake Shore's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Lake Shore's stock price.
Estimating the potential upside or downside of Lake Shore Bancorp helps investors to forecast how Lake stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Lake Shore more accurately as focusing exclusively on Lake Shore's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Lake Shore's intrinsic value based on its ongoing forecasts of Lake Shore's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Lake Shore's closest peers.
Lake Shore Cash |
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Lake Valuation Trend
Knowing Lake Shore's actual value is paramount for traders when making sound investment determinations. Using both Lake Shore's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Lake Shore Total Value Analysis
Lake Shore Bancorp is now forecasted to have valuation of 37 M with market capitalization of 78.02 M, debt of 35.25 M, and cash on hands of 19.68 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Lake Shore fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
37 M | 78.02 M | 35.25 M | 19.68 M |
Lake Shore Investor Information
About 66.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.88. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Lake Shore Bancorp last dividend was issued on the 4th of November 2024. Based on the measurements of operating efficiency obtained from Lake Shore's historical financial statements, Lake Shore Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in February.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.5 | 0.25 |
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| Total Cash From Operating Activities | 5.6 M | 7.1 M |
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| Operating Income | 4.7 M | 7.1 M |
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Lake Shore Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Lake suggests not a very effective usage of assets in January.Lake Shore Ownership Allocation
The market capitalization of Lake Shore Bancorp is $78.02 Million. Lake Shore Bancorp secures majority of its outstanding shares owned by insiders. An insider is usually defined as a corporate executive, director, member of the board or institutional investor who own at least 10% of the company's outstanding shares. 66.27 % of Lake Shore Bancorp outstanding shares that are owned by insiders conveys that they have been buying or selling the stock in recent months in anticipation of some upcoming event. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Lake Shore Profitability Analysis
The company reported the previous year's revenue of 28.04 M. Net Income was 4.82 M with profit before overhead, payroll, taxes, and interest of 26.32 M.Lake Shore Past Distributions to stockholders
About Lake Shore Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Lake Shore Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Lake Shore Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing Lake Shore's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Lake Shore's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Lake Shore. We calculate exposure to Lake Shore's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Lake Shore's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 32.2 M | 17.1 M | |
| Pretax Profit Margin | 0.26 | 0.48 | |
| Operating Profit Margin | 0.25 | 0.50 | |
| Net Profit Margin | 0.20 | 0.35 |
Lake Shore Quarterly Retained Earnings |
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A single share of Lake Shore represents a small ownership stake in the entity. As a stockholder of Lake, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Lake Shore Dividends Analysis For Valuation
Please note that Lake Shore has scaled down on payment of dividends at this time. At this time, Lake Shore's Earning Assets are quite stable compared to the past year. Price Earnings Ratio is expected to rise to 27.85 this year, although the value of Retained Earnings will most likely fall to about 52 M.
There are various types of dividends Lake Shore can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Lake shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Lake Shore Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Lake pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Lake Shore by the value of the dividends paid out.
Lake Shore Growth Indicators
Investing in growth stocks can be very risky. If the company such as Lake Shore does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 5.9 M | |
| Quarterly Earnings Growth Y O Y | -0.107 |
Lake Shore Current Valuation Indicators
Lake Shore's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Lake Shore's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Lake Shore, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Lake Shore's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Lake Shore's worth.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 Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Lake Shore Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. You can also try the Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.
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 | 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.