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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 1.22
LSBK's Cash to Debt is ranked higher than
71% of the 1736 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.91 vs. LSBK: 1.22 )
LSBK' s 10-Year Cash to Debt Range
Min: 0.14   Max: N/A
Current: 1.22

Equity to Asset 0.15
LSBK's Equity to Asset is ranked higher than
91% of the 2309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. LSBK: 0.15 )
LSBK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.16
Current: 0.15

0.07
0.16
Interest Coverage 1.11
LSBK's Interest Coverage is ranked higher than
67% of the 2192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. LSBK: 1.11 )
LSBK' s 10-Year Interest Coverage Range
Min: 0.21   Max: 1.32
Current: 1.11

0.21
1.32
F-Score: 3
Z-Score: 0.34
WACC vs ROIC
5.50%
4.80%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 21.45
LSBK's Operating margin (%) is ranked higher than
62% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.39 vs. LSBK: 21.45 )
LSBK' s 10-Year Operating margin (%) Range
Min: -283.1   Max: 30.21
Current: 21.45

-283.1
30.21
Net-margin (%) 17.65
LSBK's Net-margin (%) is ranked higher than
66% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.16 vs. LSBK: 17.65 )
LSBK' s 10-Year Net-margin (%) Range
Min: 12.45   Max: 111.47
Current: 17.65

12.45
111.47
ROE (%) 4.21
LSBK's ROE (%) is ranked higher than
57% of the 2420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.01 vs. LSBK: 4.21 )
LSBK' s 10-Year ROE (%) Range
Min: 2.73   Max: 9.8
Current: 4.21

2.73
9.8
ROA (%) 0.61
LSBK's ROA (%) is ranked higher than
65% of the 2427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. LSBK: 0.61 )
LSBK' s 10-Year ROA (%) Range
Min: 0.38   Max: 0.99
Current: 0.61

0.38
0.99
ROC (Joel Greenblatt) (%) 37.66
LSBK's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2386 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 90.48 vs. LSBK: 37.66 )
LSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -178.54   Max: 57.99
Current: 37.66

-178.54
57.99
Revenue Growth (3Y)(%) -0.60
LSBK's Revenue Growth (3Y)(%) is ranked higher than
66% of the 2096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. LSBK: -0.60 )
LSBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 16.6
Current: -0.6

0
16.6
EBITDA Growth (3Y)(%) -8.60
LSBK's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 1863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. LSBK: -8.60 )
LSBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 37.3
Current: -8.6

0
37.3
EPS Growth (3Y)(%) -5.40
LSBK's EPS Growth (3Y)(%) is ranked higher than
59% of the 1888 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.30 vs. LSBK: -5.40 )
LSBK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 39.4
Current: -5.4

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) 26.10
LSBK's P/E(ttm) is ranked higher than
62% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. LSBK: 26.10 )
LSBK' s 10-Year P/E(ttm) Range
Min: 13.53   Max: 77.5
Current: 26.1

13.53
77.5
Forward P/E 14.37
LSBK's Forward P/E is ranked higher than
70% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBK: 14.37 )
N/A
PE(NRI) 26.20
LSBK's PE(NRI) is ranked higher than
68% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. LSBK: 26.20 )
LSBK' s 10-Year PE(NRI) Range
Min: 13.47   Max: 77.5
Current: 26.2

13.47
77.5
P/B 1.10
LSBK's P/B is ranked higher than
74% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 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 4.70
LSBK's P/S is ranked lower than
52% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.74 vs. LSBK: 4.70 )
LSBK' s 10-Year P/S Range
Min: 2.7   Max: 7.27
Current: 4.7

2.7
7.27
PFCF 19.80
LSBK's PFCF is ranked higher than
74% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBK: 19.80 )
LSBK' s 10-Year PFCF Range
Min: 8.42   Max: 59.47
Current: 19.8

8.42
59.47
POCF 17.47
LSBK's POCF is ranked higher than
76% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 152.54 vs. LSBK: 17.47 )
LSBK' s 10-Year POCF Range
Min: 7.92   Max: 62.92
Current: 17.47

7.92
62.92
EV-to-EBIT 21.64
LSBK's EV-to-EBIT is ranked higher than
70% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.11 vs. LSBK: 21.64 )
LSBK' s 10-Year EV-to-EBIT Range
Min: 10.4   Max: 85.4
Current: 21.64

10.4
85.4
PEG 3.91
LSBK's PEG is ranked higher than
86% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBK: 3.91 )
LSBK' s 10-Year PEG Range
Min: 0.6   Max: 11.8
Current: 3.91

0.6
11.8
Shiller P/E 22.90
LSBK's Shiller P/E is ranked higher than
77% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBK: 22.90 )
LSBK' s 10-Year Shiller P/E Range
Min: 19.88   Max: 28.95
Current: 22.9

19.88
28.95
Days Sales Outstanding 41.87
LSBK's Days Sales Outstanding is ranked higher than
86% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBK: 41.87 )
LSBK' s 10-Year Days Sales Outstanding Range
Min: 37.36   Max: 203.63
Current: 41.87

37.36
203.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
LSBK's Dividend Yield is ranked lower than
58% of the 2273 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. LSBK: 2.10 )
LSBK' s 10-Year Dividend Yield Range
Min: 0.23   Max: 3.28
Current: 2.1

0.23
3.28
Dividend Payout 0.55
LSBK's Dividend Payout is ranked higher than
69% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. LSBK: 0.55 )
LSBK' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.83
Current: 0.55

0.26
0.83
Yield on cost (5-Year) 2.81
LSBK's Yield on cost (5-Year) is ranked higher than
51% of the 2281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. LSBK: 2.81 )
LSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.31   Max: 4.39
Current: 2.81

0.31
4.39
Share Buyback Rate -0.50
LSBK's Share Buyback Rate is ranked higher than
80% of the 1718 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. LSBK: -0.50 )
LSBK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.7
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
LSBK's Price/Tangible Book is ranked higher than
78% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 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) 0.80
LSBK's Price/DCF (Projected) is ranked higher than
85% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. LSBK: 0.80 )
LSBK' s 10-Year Price/DCF (Projected) Range
Min: 0.59   Max: 0.84
Current: 0.8

0.59
0.84
Price/Median PS Value 1.20
LSBK's Price/Median PS Value is ranked higher than
68% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. LSBK: 1.20 )
LSBK' s 10-Year Price/Median PS Value Range
Min: 0.72   Max: 1.82
Current: 1.2

0.72
1.82
Price/Graham Number 1.20
LSBK's Price/Graham Number is ranked higher than
69% of the 3220 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. LSBK: 1.20 )
LSBK' s 10-Year Price/Graham Number Range
Min: 0.75   Max: 1.83
Current: 1.2

0.75
1.83
Earnings Yield (Greenblatt) 4.60
LSBK's Earnings Yield (Greenblatt) is ranked higher than
59% of the 2411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. LSBK: 4.60 )
LSBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 9.6
Current: 4.6

1.2
9.6
Forward Rate of Return (Yacktman) 8.19
LSBK's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.45 vs. LSBK: 8.19 )
LSBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10.4   Max: 33.5
Current: 8.19

-10.4
33.5

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. The Company operates as a mid-tier, federally chartered savings and loan holding company of Lake Shore Savings Bank. The Company provides retail banking services in Erie and Chautauqua Counties of New York State. Its deposit products are savings and term certificate accounts and its primary lending products are residential mortgages and commercial real estate loans. Its 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 Depew, East Amherst, Hamburg, Kenmore, Orchard Park and Snyder. The Company's geographic market area for loans and deposits is located within Chautauqua and Erie Counties, New York. The Company faces competition from Cattaraugus County Bank and Evans Bank; regional financial institutions such as M&T Bank, Community Bank, NA; First Niagara Bank; and national financial institutions such as Key Bank and Bank of America.
» More Articles for LSBK

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