ScoreWhy is Lake Shore Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 4.67%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 6.62 MM
- NET PROFIT(HY) At USD 4.29 MM has Grown at 53.38%
- ROCE(HY) Highest at 1.03%
3
With ROA of 1.00%, it has a attractive valuation with a 1.00 Price to Book Value
- Over the past year, while the stock has generated a return of 26.09%, its profits have risen by 47.5% ; the PEG ratio of the company is 2.4
4
High Institutional Holdings at 28.25%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 22.13% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 26.09% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow 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.
26.09%
0.49
30.82%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.31%
EBIT Growth (5y)
13.60%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
37.11%
Pledged Shares
0
Institutional Holding
28.25%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
1.00
EV to EBIT
9.34
EV to EBITDA
8.85
EV to Capital Employed
1.00
EV to Sales
2.13
PEG Ratio
2.40
Dividend Yield
0.81%
ROCE (Latest)
10.71%
ROE (Latest)
5.13%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at USD 6.62 MM
NET PROFIT(HY)
At USD 4.29 MM has Grown at 53.38%
ROCE(HY)
Highest at 1.03%
CASH AND EQV(HY)
Highest at USD 67.58 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 97.74%
NET SALES(Q)
Highest at USD 9.46 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 1.03%
Here's what is working for Lake Shore Bancorp, Inc.
NII
Highest at USD 6.62 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
At USD 4.29 MM has Grown at 53.38%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Sales
Highest at USD 9.46 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 67.58 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 97.74%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
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