LSBK$15.43
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AI LSBK Summary
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Powered by LiveAIOverall Analysis
BuyLake Shore Bancorp, Inc. exhibits a solid fundamental profile with consistent profitability and a strong balance sheet, supported by a stable dividend yield. While its valuation metrics like P/E are on the higher side compared to some historical periods, the company's resilience and its role in regional banking make it an attractive, albeit moderately growing, investment. Technical indicators suggest a neutral to slightly bullish short-term outlook, with potential for minor fluctuations around current price levels.
Thematic
As a regional community bank, Lake Shore Bancorp's performance is intrinsically tied to the economic health of its operating regions in New York. While there are no dominant high-growth technology themes directly associated with its core business, its stability and community focus offer a defensive characteristic within a diversified portfolio. The broader theme of digital transformation in banking is relevant, but its adoption pace and impact on this specific institution are less pronounced than for larger financial institutions.
Fundamental
Lake Shore Bancorp demonstrates robust financial health with strong profitability, a healthy balance sheet, and consistent dividend payouts. The company has managed its debt effectively, maintaining a reasonable debt-to-equity ratio and ample cash reserves. While revenue and net income have seen some fluctuations, the net profit margin remains healthy, indicating efficient operations. The P/E ratio, while varying by period, generally suggests a company trading at a reasonable valuation for its sector.
Technical
The stock is trading above its key moving averages, indicating a generally positive trend. While performance over the last month and 6 months has been strong, short-term indicators like RSI and CCI suggest it might be approaching overbought territory or entering a consolidation phase. Volume is relatively low, which could mean less conviction behind recent price moves.
| Factor | Score |
|---|---|
| Regional Economic Stability | 70 |
| Banking Sector Digitalization | 50 |
| Interest Rate Sensitivity | 65 |
| Community Banking Model | 80 |
| Financial Industry Regulation | 40 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 88 |
| Growth | 40 |
| Balance Sheet Health | 95 |
| Cash Flow | 70 |
| Dividend Yield | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 65 |
| Volume | 50 |
| Support & Resistance | 70 |
| Performance Momentum | 75 |
AI Investing Checklist
Powered by LiveAIBullish Points (8)
Strong Cash Position
The company possesses substantial cash and cash equivalents ($33.13 million as of 2024Q4), providing significant liquidity and financial flexibility.
Reasonable P/E Ratio
The trailing Price-to-Earnings (P/E) ratio of 13.5 is below its 5-year average of 17.0 and suggests the stock may be undervalued relative to its earnings.
Bearish Points (8)
Declining Revenue Trend
Revenue has shown a declining trend from $27.04 million in 2022Q4 to $24.37 million in 2024Q4, which could signal future challenges.
High Price-to-Sales Ratio
The Price-to-Sales (P/S) ratio of 5.1 (TTM) is relatively high, suggesting that investors are paying a premium for each dollar of sales.
Calendar
February 2025
14
Next Dividend Date
August 2025
4
Ex-Dividend Date
October 2025
23
Next Earnings Date
H: $
A: $
L: $
Profile
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, commercial business loans, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans comprising personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
Seasonals
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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