Based on the Lake Shore Bancorp Inc stock forecast from 0 analysts, the average analyst target price for Lake Shore Bancorp Inc is not available over the next 12 months. Lake Shore Bancorp Inc’s average analyst rating is not available. Stock Target Advisor’s own stock analysis of Lake Shore Bancorp Inc is Slightly Bearish, which is based on 5 positive signals and 11 negative signals. At the last closing, Lake Shore Bancorp Inc’s stock price was USD 11.40. Lake Shore Bancorp Inc’s stock price has changed by -0.87% over the past week, +0.80% over the past month and +0.88% over the last year.
No recent analyst target price found for Lake Shore Bancorp Inc
No recent average analyst rating found for Lake Shore Bancorp Inc
Company Overview Lake Shore Bancorp Inc
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, 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, such as 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, online banking, direct deposit, safe deposit boxes, overdraft protection, wire, e-services, and notary 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. Read Less
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 sa...Read More
Frequently Asked Questions About Lake Shore Bancorp Inc (LSBK) Stock
Stock Target Advisor's fundamental analysis for Lake Shore Bancorp Inc's stock is Slightly Bearish.
Unfortunately we do not have enough data on LSBK's stock to indicate if its a good dividend stock.
Unfortunately we do not have enough data on LSBK's stock to indicate what its average analyst target is.
LSBK stock's Price/Earning ratio is 16.43.
Our analysis grades LSBK stock's Price / Earning ratio at F. This means that LSBK stock's Price/Earning ratio is above 81% of the stocks in the Banks - Regional sector in the NSD exchange.
Based on this LSBK may be a overvalued for its sector.
The last closing price of LSBK's stock was USD 11.40.
The most recent market capitalization for LSBK is USD 0.07B.
Unfortunately we do not have enough analyst data on LSBK's stock to indicate whether its price will go up or not.
We can't find any ETFs which contains Lake Shore Bancorp Inc's stock.
As per our most recent records Lake Shore Bancorp Inc has 115 Employees.
Lake Shore Bancorp Inc's registered address is 31 East Fourth Street, Dunkirk, NY, United States, 14048.
You can get more information about it from Lake Shore Bancorp Inc's website at https://lakeshoresavings.com.
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Stock Target Advisor's Analysis
This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.
What to like
Low volatility
The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.
Underpriced compared to book value
The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.
Positive cash flow
The company had positive total cash flow in the most recent four quarters.
Superior capital utilization
The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.
Superior Dividend Growth
This stock has shown top quartile dividend growth in the previous 5 years compared to its sector
What not to like
Poor return on assets
The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.
Overpriced compared to earnings
The stock is trading high compared to its peers on a price to earning basis and is above the sector median.
Below median dividend returns
The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.
Below median total returns
The company has under performed its peers on annual average total returns in the past 5 years.
Poor risk adjusted returns
This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.
Low market capitalization
This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.
Overpriced on cashflow basis
The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.
Poor return on equity
The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.
Low Revenue Growth
This stock has shown below median revenue growth in the previous 5 years compared to its sector
Low Earnings Growth
This stock has shown below median earnings growth in the previous 5 years compared to its sector
Highly leveraged
The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.
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