Lake Shore Bancorp, Inc. (LSBK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.Unlock 29 Markets

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Affinity Bancshares, Inc.

Lake Shore Bancorp, Inc.

First Capital, Inc.

Cullman Bancorp, Inc.

BV Financial, Inc.

CF Bankshares, Inc.

Provident Financial Holdings, Inc.

Bogota Financial Corp.

Finward Bancorp

HMN Financial, Inc.

Territorial Bancorp, Inc.

Why is Lake Shore Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 3.27%

Positive results in Jun 25

ROCE(HY) Highest at 0.8%
GROSS NPA (%)(Q) Lowest at 0.32%
NII(Q) Highest at USD 6.12 MM

With ROA of 0.50%, it has a attractive valuation with a 1.20 Price to Book Value

Over the past year, while the stock has generated a return of 44.25%, its profits have risen by 19.8% ; the PEG ratio of the company is 1.2

Falling Participation by Institutional Investors

Institutional investors have decreased their stake by -0.75% over the previous quarter and collectively hold 9.65% of the company
These investors have better capability and resources to analyse fundamentals of companies than most retail investors

Market Beating Performance

The stock has generated a return of 44.25% in the last 1 year, much higher than market (S&P 500) returns of 12.33%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Lake Shore Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Lake Shore Bancorp, Inc. for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Lake Shore Bancorp, Inc.

51.19%

0.27

38.54%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.83%

EBIT Growth (5y)

6.65%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

61.57%

Pledged Shares

Institutional Holding

9.65%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.20

EV to EBIT

15.59

EV to EBITDA

13.74

EV to Capital Employed

1.29

EV to Sales

2.36

PEG Ratio

1.17

Dividend Yield

339.50%

ROCE (Latest)

8.25%

ROE (Latest)

5.48%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

ROCE(HY)

Highest at 0.8%

GROSS NPA (%)

NII(Q)

Highest at USD 6.12 MM

NET SALES(Q)

Highest at USD 9.11 MM

OPERATING PROFIT(Q)

Highest at USD 2.3 MM

OPERATING PROFIT MARGIN(Q)

Highest at 25.21 %

PRE-TAX PROFIT(Q)

Highest at USD 2.3 MM

NET PROFIT(Q)

Highest at USD 1.92 MM

EPS(Q)

Highest at USD 0.25

-4What is not working for the Company

ROCE(HY)

Lowest at 0.8%

CASH AND EQV(HY)

Lowest at USD 5.77 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 88.85%

Here's what is working for Lake Shore Bancorp, Inc.

Non Performing Loans (%)

Lowest at 0.32%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 6.12 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 9.11 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 2.3 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 25.21 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 2.3 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 2.3 MM has Grown at 55%

over average net sales of the previous four periods of USD 1.48 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 1.92 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 1.92 MM has Grown at 54.44%

over average net sales of the previous four periods of USD 1.24 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.25

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Lake Shore Bancorp, Inc.

Cash and Eqv

Lowest at USD 5.77 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio

Lowest at 88.85%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)