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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.84
LSBK's Cash to Debt is ranked higher than
69% of the 1254 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. LSBK: 0.84 )
LSBK' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.84

Equity to Asset 0.14
LSBK's Equity to Asset is ranked higher than
90% of the 1643 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. LSBK: 0.14 )
LSBK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.16
Current: 0.14

0.07
0.16
Interest Coverage 1.32
LSBK's Interest Coverage is ranked higher than
68% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. LSBK: 1.32 )
LSBK' s 10-Year Interest Coverage Range
Min: 0.21   Max: 1.32
Current: 1.32

0.21
1.32
F-Score: 6
Z-Score: 0.28
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 27.47
LSBK's Operating margin (%) is ranked higher than
72% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.41 vs. LSBK: 27.47 )
LSBK' s 10-Year Operating margin (%) Range
Min: 15.35   Max: 30.21
Current: 27.47

15.35
30.21
Net-margin (%) 21.83
LSBK's Net-margin (%) is ranked higher than
75% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. LSBK: 21.83 )
LSBK' s 10-Year Net-margin (%) Range
Min: 12.45   Max: 22.97
Current: 21.83

12.45
22.97
ROE (%) 5.73
LSBK's ROE (%) is ranked higher than
65% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. LSBK: 5.73 )
LSBK' s 10-Year ROE (%) Range
Min: 2.71   Max: 9.5
Current: 5.73

2.71
9.5
ROA (%) 0.78
LSBK's ROA (%) is ranked higher than
73% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. LSBK: 0.78 )
LSBK' s 10-Year ROA (%) Range
Min: 0.36   Max: 0.96
Current: 0.78

0.36
0.96
ROC (Joel Greenblatt) (%) 41.98
LSBK's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 1574 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.99 vs. LSBK: 41.98 )
LSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 14.75   Max: 59.47
Current: 41.98

14.75
59.47
Revenue Growth (%) 0.60
LSBK's Revenue Growth (%) is ranked higher than
72% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. LSBK: 0.60 )
LSBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 16.6
Current: 0.6

0
16.6
EBITDA Growth (%) 11.20
LSBK's EBITDA Growth (%) is ranked higher than
79% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. LSBK: 11.20 )
LSBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 37.3
Current: 11.2

0
37.3
EPS Growth (%) 7.00
LSBK's EPS Growth (%) is ranked higher than
71% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. LSBK: 7.00 )
LSBK' s 10-Year EPS Growth (%) Range
Min: 0   Max: 39.4
Current: 7

0
39.4
» LSBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 19.40
LSBK's P/E(ttm) is ranked higher than
65% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. LSBK: 19.40 )
LSBK' s 10-Year P/E(ttm) Range
Min: 13.53   Max: 77.5
Current: 19.4

13.53
77.5
P/B 1.10
LSBK's P/B is ranked higher than
75% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. LSBK: 1.10 )
LSBK' s 10-Year P/B Range
Min: 0.7   Max: 1.64
Current: 1.1

0.7
1.64
P/S 4.14
LSBK's P/S is ranked higher than
61% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. LSBK: 4.14 )
LSBK' s 10-Year P/S Range
Min: 2.7   Max: 7.75
Current: 4.14

2.7
7.75
PFCF 12.50
LSBK's PFCF is ranked higher than
73% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.86 vs. LSBK: 12.50 )
LSBK' s 10-Year PFCF Range
Min: 8.42   Max: 50.98
Current: 12.5

8.42
50.98
EV-to-EBIT 16.71
LSBK's EV-to-EBIT is ranked higher than
73% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.41 vs. LSBK: 16.71 )
LSBK' s 10-Year EV-to-EBIT Range
Min: 12.7   Max: 85.4
Current: 16.71

12.7
85.4
PEG 1.40
LSBK's PEG is ranked higher than
82% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. LSBK: 1.40 )
LSBK' s 10-Year PEG Range
Min: 0.44   Max: 1.76
Current: 1.4

0.44
1.76
Shiller P/E 22.80
LSBK's Shiller P/E is ranked higher than
81% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 140.07 vs. LSBK: 22.80 )
LSBK' s 10-Year Shiller P/E Range
Min: 19.88   Max: 28.95
Current: 22.8

19.88
28.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.27
LSBK's Dividend Yield is ranked lower than
52% of the 1402 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.45 vs. LSBK: 2.27 )
LSBK' s 10-Year Dividend Yield Range
Min: 0.23   Max: 3.28
Current: 2.27

0.23
3.28
Dividend Payout 0.44
LSBK's Dividend Payout is ranked higher than
79% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LSBK: 0.44 )
LSBK' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.83
Current: 0.44

0.26
0.83
Dividend growth (3y) 5.30
LSBK's Dividend growth (3y) is ranked higher than
76% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. LSBK: 5.30 )
LSBK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 88.2
Current: 5.3

0
88.2
Yield on cost (5-Year) 3.14
LSBK's Yield on cost (5-Year) is ranked higher than
60% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. LSBK: 3.14 )
LSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.33   Max: 4.69
Current: 3.14

0.33
4.69
Share Buyback Rate 0.40
LSBK's Share Buyback Rate is ranked higher than
90% of the 1237 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. LSBK: 0.40 )
LSBK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.7
Current: 0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
LSBK's Price/Tangible Book is ranked higher than
79% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. LSBK: 1.10 )
LSBK' s 10-Year Price/Tangible Book Range
Min: 0.79   Max: 1.6
Current: 1.1

0.79
1.6
Price/DCF (Projected) 0.70
LSBK's Price/DCF (Projected) is ranked higher than
82% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.56 vs. LSBK: 0.70 )
LSBK' s 10-Year Price/DCF (Projected) Range
Min: 0.59   Max: 0.81
Current: 0.7

0.59
0.81
Price/Median PS Value 1.10
LSBK's Price/Median PS Value is ranked higher than
77% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. LSBK: 1.10 )
LSBK' s 10-Year Price/Median PS Value Range
Min: 0.71   Max: 1.83
Current: 1.1

0.71
1.83
Price/Peter Lynch Fair Value 1.70
LSBK's Price/Peter Lynch Fair Value is ranked higher than
87% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. LSBK: 1.70 )
LSBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.63   Max: 1.75
Current: 1.7

0.63
1.75
Price/Graham Number 1.00
LSBK's Price/Graham Number is ranked higher than
74% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. LSBK: 1.00 )
LSBK' s 10-Year Price/Graham Number Range
Min: 0.75   Max: 1.83
Current: 1

0.75
1.83
Earnings Yield (Greenblatt) 5.90
LSBK's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1581 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. LSBK: 5.90 )
LSBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 7.9
Current: 5.9

1.2
7.9
Forward Rate of Return (Yacktman) 15.49
LSBK's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.45 vs. LSBK: 15.49 )
LSBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.6   Max: 41.3
Current: 15.49

2.6
41.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Lake Shore Bancorp, Inc., was formed on April 3, 2006 to serve as the stock holding Company for Lake Shore Savings Bank as part of the Bank's conversion and reorganization from a New York-chartered mutual savings and loan association to the federal mutual holding company form of organization. The Company operates as a mid-tier, federally chartered savings and loan holding company of Lake Shore Savings Bank. The Bank main business is retail banking in Erie and Chautauqua Counties of New York State. Its main deposit products are savings and term certificate accounts and its primary lending products are residential mortgages and commercial real estate loans. It branches in Chautauqua County, New York are located in Dunkirk, Fredonia, Jamestown, Lakewood and Westfield. In Erie County, New York its branch offices are located in Orchard Park, East Amherst, Hamburg and Kenmore. The Company has a long-standing commitment to the origination of residential mortgage loans, including home equity loans, and it also originate commercial real estate, commercial and consumer loans. It emphasizes the origination of residential mortgage loans secured by one-to-four family properties. The Company provides home equity loans and home equity lines of credit to its customers. It originates commercial real estate loans to finance the purchase of real property, which generally consists of developed real estate, construction of both one-to-four family homes and commercial real estate. In addition to commercial real estate loans, it is also engaged in small business commercial lending, including business instalment loans, lines of credit, and other commercial loans. It offers a variety of consumer loans and consumer loan portfolio also consists of vehicle loans, motorcycle loans, student loans guaranteed by New York State Higher Education Services Corporation other unsecured consumer loans up to approximately $5,000, secured and unsecured property improvement loans, and other secured loans. Its competition for loans comes mainly from mortgage brokers, commercial banks, other thrift institutions, and insurance companies. The Company's direct competition for savings deposits has come from credit unions, community banks, large commercial banks and thrift institutions in its main market area.
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