Lake Shore Bancorp Inc - Understand $lsbk stock

$LSBK Market Cap: $76.61 Million

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Financial Snapshot

Revenue

$26.21M

TTM

Gross Margin

Net Earnings

$4.211M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$697.6M

Q3 2024

Total Liabilities

$607.7M

Q3 2024

Book Value

$89.88M

Q3 2024

Cash

$49.98M

Q3 2024

P/E

18.19

Nov 12, 2024 EST

Free Cash Flow

$2.080M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Revenue	$33.76M	$1.104M	$24.66M	$24.34M	$24.27M	$21.54M	$19.41M	$17.52M
YoY Change	2957.52%	-95.52%	1.33%	0.28%	12.68%	10.96%	10.79%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Revenue	$33.76M	$1.104M	$24.66M	$24.34M	$24.27M	$21.54M	$19.41M	$17.52M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$807.0K	$856.0K	$870.0K	$840.0K	$810.0K	$770.0K	$850.0K	$870.0K	$830.0K	$750.0K	$700.0K	$660.0K	$660.0K	$600.0K	$550.0K	$530.0K	$540.0K	$640.0K	$620.0K	$610.0K	$450.0K
YoY Change	-5.72%	-1.61%	3.57%	3.7%	5.19%	-9.41%	-2.3%	4.82%	10.67%	7.14%	6.06%	0.0%	10.0%	9.09%	3.77%	-1.85%	-15.63%	3.23%	1.64%	35.56%	21.62%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Interest Expense	$9.397M	$2.415M	$2.665M	$4.404M	$5.197M	$3.602M	$2.630M	$2.294M
YoY Change	289.11%	-9.38%	-39.49%	-15.26%	44.28%	36.96%	14.65%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Pretax Income	$6.219M	$6.870M	$7.475M	$5.382M	$4.742M	$4.585M	$4.563M	$4.290M	$4.050M	$3.730M	$4.710M	$4.610M	$5.070M	$3.420M	$2.880M	$1.810M	$2.270M	$2.730M	$3.010M	$3.080M	$2.250M
YoY Change	-9.48%	-8.09%	38.89%	13.5%	3.42%	0.48%	6.36%	5.93%	8.58%	-20.81%	2.17%	-9.07%	48.25%	18.75%	59.12%	-20.26%	-16.85%	-9.3%	-2.27%	36.89%	-32.23%
Income Tax	$1.399M	$1.162M	$1.288M	$824.0K	$655.0K	$585.0K	$1.185M	$775.0K	$720.0K	$570.0K	$970.0K	$980.0K	$1.390M	$370.0K	$720.0K	$340.0K	$450.0K	$910.0K	$950.0K	$900.0K	$740.0K
% Of Pretax Income	22.5%	16.91%	17.23%	15.31%	13.81%	12.76%	25.97%	18.07%	17.78%	15.28%	20.59%	21.26%	27.42%	10.82%	25.0%	18.78%	19.82%	33.33%	31.56%	29.22%	32.89%
Net Earnings	$4.820M	$5.708M	$6.187M	$4.558M	$4.087M	$4.000M	$3.378M	$3.515M	$3.340M	$3.160M	$3.740M	$3.630M	$3.680M	$3.040M	$2.160M	$1.470M	$1.820M	$1.820M	$2.050M	$2.180M	$1.510M
YoY Change	-15.56%	-7.74%	35.74%	11.52%	2.18%	18.41%	-3.9%	5.24%	5.7%	-15.51%	3.03%	-1.36%	21.05%	40.74%	46.94%	-19.23%	0.0%	-11.22%	-5.96%	44.37%	-32.59%
Net Earnings / Revenue	14.28%	517.03%	25.09%	18.73%	16.84%	18.57%	17.41%	20.07%
Basic Earnings Per Share	$0.82	$0.97	$1.05	$0.77	$0.68	$0.66	$0.55	$0.58
Diluted Earnings Per Share	$0.85	$1.00	$1.05	$0.77	$0.68	$0.66	$0.55	$0.58	$564.2K	$546.7K	$653.8K	$635.7K	$645.6K	$526.0K	$366.1K	$243.4K	$294.5K	$284.8K	$482.4K	$512.9K	$355.3K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$8.101M	$8.659M	$519.7M	$9.600M	$10.20M	$9.400M	$9.400M	$8.700M	$9.100M	$9.500M	$9.600M	$9.700M	$8.500M	$9.000M	$8.000M	$8.200M	$6.900M	$7.200M	$7.700M	$6.600M	$6.500M
YoY Change	-6.44%	-98.33%	5313.54%	-5.88%	8.51%	0.0%	8.05%	-4.4%	-4.21%	-1.04%	-1.03%	14.12%	-5.56%	12.5%	-2.44%	18.84%	-4.17%	-6.49%	16.67%	1.54%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets											$900.0K
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$725.1M	$699.9M	$713.7M	$686.2M	$610.9M	$545.7M	$519.0M	$489.2M	$473.4M	$487.5M	$482.2M	$482.4M	$488.6M	$479.0M	$425.7M	$407.8M	$357.8M	$354.2M	$333.7M	$329.8M	$303.5M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$242.0K	$534.0K	$500.0K	$700.0K	$800.0K
YoY Change	-54.68%	6.8%	-28.57%	-12.5%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$12.60M							$0.00		$11.70M	$11.20M	$6.900M	$5.000M	$6.900M	$5.500M	$18.50M	$10.60M	$11.20M	$11.70M	$11.80M
YoY Change	-100.0%										4.46%	62.32%	38.0%	-27.54%	25.45%	-70.27%	74.53%	-5.36%	-4.27%	-0.85%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$242.0K	$13.13M	$500.0K	$700.0K	$800.0K						$11.70M	$11.20M	$6.900M	$5.000M	$6.900M	$5.500M	$18.50M	$10.60M	$11.20M	$11.70M	$11.80M
YoY Change	-98.16%	2526.0%	-28.57%	-12.5%							4.46%	62.32%	38.0%	-27.54%	25.45%	-70.27%	74.53%	-5.36%	-4.27%	-0.85%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$24.70M	$27.00M	$19.00M	$21.20M	$19.00M	$7.900M	$14.40M	$27.20M	$34.20M	$36.20M	$46.50M	$37.90M	$32.80M	$37.50M	$42.30M	$31.50M
YoY Change					-100.0%	-8.52%	42.11%	-10.38%	11.58%	140.51%	-45.14%	-47.06%	-20.47%	-5.52%	-22.15%	22.69%	15.55%	-12.53%	-11.35%	34.29%
Other Long-Term Liabilities	$5.231M	$3.254M	$6.100M	$5.700M	$6.300M	$6.300M	$6.100M	$5.600M	$5.500M	$5.600M	$5.700M	$8.100M	$7.600M	$5.900M	$5.700M	$5.400M	$4.400M	$5.000M	$3.700M	$3.300M	$2.800M
YoY Change	60.76%	-46.66%	7.02%	-9.52%	0.0%	3.28%	8.93%	1.82%	-1.79%	-1.75%	-29.63%	6.58%	28.81%	3.51%	5.56%	22.73%	-12.0%	35.14%	12.12%	17.86%
Total Long-Term Liabilities	$5.231M	$3.254M	$6.100M	$5.700M	$6.300M	$31.00M	$33.10M	$24.60M	$26.70M	$24.60M	$13.60M	$22.50M	$34.80M	$40.10M	$41.90M	$51.90M	$42.30M	$37.80M	$41.20M	$45.60M	$34.30M
YoY Change	60.76%	-46.66%	7.02%	-9.52%	-79.68%	-6.34%	34.55%	-7.87%	8.54%	80.88%	-39.56%	-35.34%	-13.22%	-4.3%	-19.27%	22.7%	11.9%	-8.25%	-9.65%	32.94%
Total Liabilities	$638.8M	$618.7M	$625.8M	$600.3M	$528.0M	$465.9M	$440.6M	$413.1M	$399.5M	$415.8M	$416.9M	$415.4M	$424.7M	$423.8M	$370.2M	$353.6M	$304.3M	$300.5M	$305.7M	$302.9M	$278.6M
YoY Change	3.25%	-1.13%	4.25%	13.69%	13.33%	5.74%	6.66%	3.4%	-3.92%	-0.26%	0.36%	-2.19%	0.21%	14.48%	4.69%	16.2%	1.26%	-1.7%	0.92%	8.72%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2010
Basic Shares Outstanding	5.856M	5.879M	5.885M	5.955M	6.002M	6.076M	6.110M	6.015M
Diluted Shares Outstanding	5.856M	5.879M	5.888M	5.955M	6.002M	6.086M	6.119M	6.023M	5.919M	5.783M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $76.609 Million

About Lake Shore Bancorp Inc

Lake Shore Bancorp, Inc. operates as a savings and loan holding company for Lake Shore Servings Bank. The company is headquartered in Dunkirk New York, New York and currently employs 115 full-time employees. The company went IPO on 2006-04-04. The Bank has 11 full-service branch locations in Western New York, including five in Chautauqua County and six in Erie County. The Bank offers a range of retail and commercial lending and deposit services. The Bank’s principal 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, primarily 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 primary sources of funds for lending and investments are deposits, borrowings, brokered deposits, receipts of principal and interest payments on loans and securities.

Industry: Savings Institution, Federally Chartered Peers: BROADWAY FINANCIAL CORP \DE\ Cullman Bancorp, Inc. Ffbw Inc FIDELITY FEDERAL BANCORP Finance of America Companies Inc Home Federal Bancorp Inc of Louisiana Magyar Bancorp Inc Rocket Companies Inc