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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.94
LSBK's Cash-to-Debt is ranked higher than
51% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. LSBK: 0.94 )
Ranked among companies with meaningful Cash-to-Debt only.
LSBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.55 Max: N/A
Current: 0.94
Equity-to-Asset 0.16
LSBK's Equity-to-Asset is ranked higher than
87% of the 1591 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. LSBK: 0.16 )
Ranked among companies with meaningful Equity-to-Asset only.
LSBK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.14 Max: 0.16
Current: 0.16
0.07
0.16
Interest Coverage 1.18
LSBK's Interest Coverage is ranked higher than
53% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. LSBK: 1.18 )
Ranked among companies with meaningful Interest Coverage only.
LSBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.95 Max: 1.87
Current: 1.18
0.21
1.87
Beneish M-Score: -2.47
WACC vs ROIC
2.87%
3.11%
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 : 5/10

vs
industry
vs
history
Operating Margin % 14.95
LSBK's Operating Margin % is ranked lower than
71% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. LSBK: 14.95 )
Ranked among companies with meaningful Operating Margin % only.
LSBK' s Operating Margin % Range Over the Past 10 Years
Min: 14.95  Med: 22.23 Max: 30.21
Current: 14.95
14.95
30.21
Net Margin % 12.58
LSBK's Net Margin % is ranked lower than
66% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. LSBK: 12.58 )
Ranked among companies with meaningful Net Margin % only.
LSBK' s Net Margin % Range Over the Past 10 Years
Min: 12.45  Med: 18.53 Max: 21.91
Current: 12.58
12.45
21.91
ROE % 2.97
LSBK's ROE % is ranked lower than
77% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. LSBK: 2.97 )
Ranked among companies with meaningful ROE % only.
LSBK' s ROE % Range Over the Past 10 Years
Min: 2.73  Med: 4.65 Max: 6.18
Current: 2.97
2.73
6.18
ROA % 0.47
LSBK's ROA % is ranked lower than
62% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. LSBK: 0.47 )
Ranked among companies with meaningful ROA % only.
LSBK' s ROA % Range Over the Past 10 Years
Min: 0.38  Med: 0.68 Max: 0.78
Current: 0.47
0.38
0.78
3-Year Revenue Growth Rate 2.20
LSBK's 3-Year Revenue Growth Rate is ranked lower than
72% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. LSBK: 2.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
LSBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.6 Max: 16.6
Current: 2.2
0
16.6
3-Year EBITDA Growth Rate -3.30
LSBK's 3-Year EBITDA Growth Rate is ranked lower than
78% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. LSBK: -3.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
LSBK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -3.7 Max: 37.5
Current: -3.3
0
37.5
3-Year EPS without NRI Growth Rate -3.70
LSBK's 3-Year EPS without NRI Growth Rate is ranked lower than
78% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. LSBK: -3.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
LSBK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -4.4 Max: 39.4
Current: -3.7
0
39.4
GuruFocus has detected 7 Warning Signs with Lake Shore Bancorp Inc $LSBK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» LSBK's 30-Y Financials

Financials (Next Earnings Date: 2017-07-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:HFBC, NAS:MSBF, AMEX:BKJ, NAS:FCAP, OTCPK:VLLX, NAS:PBBI, NAS:KFFB, NAS:UCBA, OTCPK:BHWB, NAS:HMNF, NAS:IROQ, OTCBB:NWIN, NAS:PBSK, NAS:PBHC, OTCPK:GRRB, NAS:ANCB, NAS:FSBK, NAS:BYFC, NAS:HFBL, NAS:JXSB » details
Headquarter Location:USA
Lake Shore Bancorp Inc 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.

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.

Ratios

vs
industry
vs
history
PE Ratio 41.18
LSBK's PE Ratio is ranked lower than
86% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. LSBK: 41.18 )
Ranked among companies with meaningful PE Ratio only.
LSBK' s PE Ratio Range Over the Past 10 Years
Min: 13.47  Med: 20.57 Max: 77.5
Current: 41.18
13.47
77.5
PE Ratio without NRI 41.18
LSBK's PE Ratio without NRI is ranked lower than
86% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.63 vs. LSBK: 41.18 )
Ranked among companies with meaningful PE Ratio without NRI only.
LSBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 13.47  Med: 20.57 Max: 77.5
Current: 41.18
13.47
77.5
Price-to-Owner-Earnings 43.72
LSBK's Price-to-Owner-Earnings is ranked lower than
83% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. LSBK: 43.72 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
LSBK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.51  Med: 18.86 Max: 44.27
Current: 43.72
11.51
44.27
PB Ratio 1.25
LSBK's PB Ratio is ranked lower than
53% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. LSBK: 1.25 )
Ranked among companies with meaningful PB Ratio only.
LSBK' s PB Ratio Range Over the Past 10 Years
Min: 0.7  Med: 1.07 Max: 1.64
Current: 1.25
0.7
1.64
PS Ratio 5.24
LSBK's PS Ratio is ranked lower than
75% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 vs. LSBK: 5.24 )
Ranked among companies with meaningful PS Ratio only.
LSBK' s PS Ratio Range Over the Past 10 Years
Min: 2.71  Med: 4.11 Max: 7.32
Current: 5.24
2.71
7.32
Price-to-Free-Cash-Flow 22.68
LSBK's Price-to-Free-Cash-Flow is ranked lower than
84% of the 870 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.33 vs. LSBK: 22.68 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
LSBK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 8.48  Med: 18.07 Max: 59.5
Current: 22.68
8.48
59.5
Price-to-Operating-Cash-Flow 20.35
LSBK's Price-to-Operating-Cash-Flow is ranked lower than
85% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.82 vs. LSBK: 20.35 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
LSBK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.94  Med: 15.89 Max: 62.4
Current: 20.35
7.94
62.4
EV-to-EBIT 35.80
LSBK's EV-to-EBIT is ranked lower than
76% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. LSBK: 35.80 )
Ranked among companies with meaningful EV-to-EBIT only.
LSBK' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.4  Med: 19.7 Max: 85.4
Current: 35.8
10.4
85.4
EV-to-EBITDA 27.06
LSBK's EV-to-EBITDA is ranked lower than
75% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. LSBK: 27.06 )
Ranked among companies with meaningful EV-to-EBITDA only.
LSBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.6  Med: 16.5 Max: 61.6
Current: 27.06
9.6
61.6
Shiller PE Ratio 28.32
LSBK's Shiller PE Ratio is ranked lower than
73% of the 479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.93 vs. LSBK: 28.32 )
Ranked among companies with meaningful Shiller PE Ratio only.
LSBK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 23.9  Med: 26.28 Max: 29.58
Current: 28.32
23.9
29.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.92
LSBK's Dividend Yield % is ranked lower than
69% of the 2319 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. LSBK: 1.92 )
Ranked among companies with meaningful Dividend Yield % only.
LSBK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.23  Med: 2.19 Max: 3.28
Current: 1.92
0.23
3.28
Dividend Payout Ratio 0.78
LSBK's Dividend Payout Ratio is ranked lower than
63% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. LSBK: 0.78 )
Ranked among companies with meaningful Dividend Payout Ratio only.
LSBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.39  Med: 0.47 Max: 0.79
Current: 0.78
0.39
0.79
Forward Dividend Yield % 2.04
LSBK's Forward Dividend Yield % is ranked lower than
70% of the 2248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. LSBK: 2.04 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.02
LSBK's 5-Year Yield-on-Cost % is ranked lower than
70% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.31 vs. LSBK: 2.02 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
LSBK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.24  Med: 2.3 Max: 3.45
Current: 2.02
0.24
3.45
3-Year Average Share Buyback Ratio -0.90
LSBK's 3-Year Average Share Buyback Ratio is ranked higher than
65% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. LSBK: -0.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LSBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.9  Med: 1.9 Max: 0
Current: -0.9
-0.9
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.25
LSBK's Price-to-Tangible-Book is ranked higher than
52% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. LSBK: 1.25 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LSBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.79  Med: 1.07 Max: 1.55
Current: 1.25
0.79
1.55
Price-to-Intrinsic-Value-Projected-FCF 0.91
LSBK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
61% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. LSBK: 0.91 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
LSBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.59  Med: 0.73 Max: 0.94
Current: 0.91
0.59
0.94
Price-to-Median-PS-Value 1.28
LSBK's Price-to-Median-PS-Value is ranked lower than
55% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. LSBK: 1.28 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
LSBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.68  Med: 1 Max: 1.68
Current: 1.28
0.68
1.68
Price-to-Graham-Number 1.52
LSBK's Price-to-Graham-Number is ranked lower than
61% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. LSBK: 1.52 )
Ranked among companies with meaningful Price-to-Graham-Number only.
LSBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.73  Med: 0.96 Max: 1.99
Current: 1.52
0.73
1.99
Earnings Yield (Greenblatt) % 2.79
LSBK's Earnings Yield (Greenblatt) % is ranked lower than
58% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. LSBK: 2.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
LSBK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.2  Med: 5.1 Max: 9.6
Current: 2.79
1.2
9.6
Forward Rate of Return (Yacktman) % 1.81
LSBK's Forward Rate of Return (Yacktman) % is ranked lower than
74% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. LSBK: 1.81 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
LSBK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -10.4  Med: 7 Max: 30.8
Current: 1.81
-10.4
30.8

More Statistics

Revenue (TTM) (Mil) $18.11
EPS (TTM) $ 0.38
Beta-0.12
Short Percentage of Float0.38%
52-Week Range $12.97 - 16.59
Shares Outstanding (Mil)6.11

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