Financials Lake Shore Bancorp, Inc.

Equities

LSBK

US5107001076

Banks

Market Closed - Nasdaq 04:30:00 2024-04-26 pm EDT 5-day change 1st Jan Change
11.5 USD +5.99% Intraday chart for Lake Shore Bancorp, Inc. +11.65% -1.79%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 88.91 88.87 74.11 83.05 67.55 65.43
Enterprise Value (EV) 1 86.4 97.81 62.51 38.63 96.13 47.94
P/E ratio 22.9 x 22.5 x 17 x 14.2 x 12.4 x 14.3 x
Yield 2.79% 3.14% 3.85% 3.83% 4.31% -
Capitalization / Revenue 4.44 x 4.3 x 3.48 x 3.39 x 2.57 x 2.33 x
EV / Revenue 4.32 x 4.73 x 2.93 x 1.57 x 3.65 x 1.71 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.11 x 1.07 x 0.86 x 0.95 x 0.83 x 0.76 x
Nbr of stocks (in thousands) 5,904 5,808 5,701 5,574 5,596 5,588
Reference price 2 15.06 15.30 13.00 14.90 12.07 11.71
Announcement Date 3/27/19 3/27/20 3/29/21 3/31/22 3/31/23 3/22/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 20.02 20.66 21.3 24.53 26.32 28.04
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 4.585 4.742 5.382 7.475 6.87 6.219
Net income 1 4 4.087 4.558 6.187 5.708 4.82
Net margin 19.98% 19.78% 21.4% 25.22% 21.69% 17.19%
EPS 2 0.6583 0.6800 0.7654 1.050 0.9700 0.8200
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.4200 0.4800 0.5000 0.5700 0.5200 -
Announcement Date 3/27/19 3/27/20 3/29/21 3/31/22 3/31/23 3/22/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - 8.95 - - 28.6 -
Net Cash position 1 2.51 - 11.6 44.4 - 17.5
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 5.06% 5.03% 5.4% 7.12% 6.75% 5.76%
ROA (Net income/ Total Assets) 0.75% 0.71% 0.7% 0.88% 0.81% 0.68%
Assets 1 532.4 578.3 648.5 700 706.9 712.6
Book Value Per Share 2 13.60 14.30 15.10 15.80 14.50 15.50
Cash Flow per Share 2 4.760 4.720 7.530 12.10 1.720 9.620
Capex 1 0.82 0.81 0.4 0.63 0.41 0.39
Capex / Sales 4.09% 3.92% 1.87% 2.56% 1.54% 1.39%
Announcement Date 3/27/19 3/27/20 3/29/21 3/31/22 3/31/23 3/22/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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