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LSBK (Lake Shore Bancorp) Cyclically Adjusted Price-to-FCF : 14.81 (As of May. 25, 2025)


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What is Lake Shore Bancorp Cyclically Adjusted Price-to-FCF?

As of today (2025-05-25), Lake Shore Bancorp's current share price is $15.40. Lake Shore Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was $1.04. Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF for today is 14.81.

The historical rank and industry rank for Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

LSBK' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 9.03   Med: 17.08   Max: 24.32
Current: 14.81

During the past years, Lake Shore Bancorp's highest Cyclically Adjusted Price-to-FCF was 24.32. The lowest was 9.03. And the median was 17.08.

LSBK's Cyclically Adjusted Price-to-FCF is ranked worse than
80.58% of 891 companies
in the Banks industry
Industry Median: 8.71 vs LSBK: 14.81

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Lake Shore Bancorp's adjusted free cash flow per share data for the three months ended in Mar. 2025 was $0.101. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $1.04 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Lake Shore Bancorp Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Lake Shore Bancorp Cyclically Adjusted Price-to-FCF Chart

Lake Shore Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.91 15.82 11.78 11.15 13.23

Lake Shore Bancorp Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.04 12.13 13.60 13.23 15.20

Competitive Comparison of Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF falls into.


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Lake Shore Bancorp Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=15.40/1.04
=14.81

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Lake Shore Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Lake Shore Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=0.101/134.9266*134.9266
=0.101

Current CPI (Mar. 2025) = 134.9266.

Lake Shore Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 0.235 100.684 0.315
201509 0.244 100.392 0.328
201512 0.114 99.792 0.154
201603 0.132 100.470 0.177
201606 0.182 101.688 0.241
201609 0.235 101.861 0.311
201612 0.086 101.863 0.114
201703 0.187 102.862 0.245
201706 0.083 103.349 0.108
201709 0.180 104.136 0.233
201712 0.260 104.011 0.337
201803 0.054 105.290 0.069
201806 0.249 106.317 0.316
201809 0.231 106.507 0.293
201812 0.338 105.998 0.430
201903 0.036 107.251 0.045
201906 0.247 108.070 0.308
201909 0.352 108.329 0.438
201912 0.204 108.420 0.254
202003 0.189 108.902 0.234
202006 0.280 108.767 0.347
202009 0.228 109.815 0.280
202012 0.176 109.897 0.216
202103 0.218 111.754 0.263
202106 0.334 114.631 0.393
202109 0.456 115.734 0.532
202112 0.338 117.630 0.388
202203 0.218 121.301 0.242
202206 0.446 125.017 0.481
202209 0.364 125.227 0.392
202212 0.296 125.222 0.319
202303 0.216 127.348 0.229
202306 0.313 128.729 0.328
202309 0.199 129.860 0.207
202312 0.266 129.419 0.277
202403 -0.006 131.776 -0.006
202406 0.097 132.554 0.099
202409 -0.251 133.029 -0.255
202412 0.600 133.157 0.608
202503 0.101 134.927 0.101

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Lake Shore Bancorp  (NAS:LSBK) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Lake Shore Bancorp Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Lake Shore Bancorp's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Lake Shore Bancorp Business Description

Industry
Traded in Other Exchanges
N/A
Address
31 East Fourth Street, Dunkirk, NY, USA, 14048
Lake Shore Bancorp Inc operates as a savings and loan holdings company. The bank's business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, in commercial real estate loans, one-to-four family residential mortgage loans, home equity lines of credit and to a lesser extent, commercial business loans, consumer loans, and investment securities. Its revenues are principally derived from interest earned on loans and investment securities.
Executives
Kevin M. Sanvidge director, other: Chairman of the Board 128 EAST FOURTH STREET, DUNKIRK NY 14048
Ann M Segarra director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Taylor Gilden officer: Chief Financial Officer 31 EAST FOURTH STREET, DUNKIRK NY 14048
Ronald J Passafaro director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Kim C Liddell Dir., Pres. and CEO of Bank, other: Dir., Pres. and CEO of Bank 31 EAST FOURTH STREET, DUNKIRK NY 14048
John L Mehltretter director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Jennifer L Zatkos officer: Chief Operating Officer 31 EAST FOURTH STREET, DUNKIRK NY 14048
Robert V Cortellucci officer: Chief Technology Officer 31 EAST FOURTH STREET, DUNKIRK NY 14048
Michelle M Debergalis director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Catharine M Young director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Tracy Steve Bennett director 125 EAST FOURTH STREET, DUNKIRK NY 14048
John P Mcgrath director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Daniel P Reininga director, officer: President and CEO 125 EAST FOURTH STREET, DUNKIRK NY 14048
Jeffrey M. Werdein officer: EVP-Commercial Division 31 EAST FOURTH STREET, DUNKIRK NY 14048
Beverly Sutton officer: Internal Auditor 31 EAST FOURTH STREET, DUNKIRK NY 14048