ScoreWhy is Lake Shore Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 4.88%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 4 consecutive quarters
- NII(Q) Highest at USD 6.66 MM
- OPERATING CASH FLOW(Y) Highest at USD 10.07 MM
- NET PROFIT(HY) At USD 3.86 MM has Grown at 52.84%
3
With ROA of 0.64%, it has a very attractive valuation with a 0.99 Price to Book Value
- Over the past year, while the stock has generated a return of 50.10%, its profits have risen by 47.5% ; the PEG ratio of the company is 2.4
4
High Institutional Holdings at 30.04%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.79% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 50.10% in the last 1 year, much higher than market (S&P 500) returns of 25.41%
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.
50.1%
1.16
29.71%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.31%
EBIT Growth (5y)
13.38%
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
37.24%
Pledged Shares
0
Institutional Holding
30.04%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
0.99
EV to EBIT
9.32
EV to EBITDA
8.67
EV to Capital Employed
0.98
EV to Sales
2.09
PEG Ratio
2.38
Dividend Yield
0.81%
ROCE (Latest)
10.57%
ROE (Latest)
5.13%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 6.66 MM
OPERATING CASH FLOW(Y)
Highest at USD 10.07 MM
NET PROFIT(HY)
At USD 3.86 MM has Grown at 52.84%
ROCE(HY)
Highest at 1.15%
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Highest at 98.6%
-3What is not working for the Company
ROCE(HY)
Lowest at 1.15%
Here's what is working for Lake Shore Bancorp, Inc.
NII
Highest at USD 6.66 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.28%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Profit
At USD 3.86 MM has Grown at 52.84%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 10.07 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Highest at 98.6%
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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