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Lake Shore Bancorp Inc LSBK

Morningstar Rating
$11.50 +0.65 (5.99%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

LSBK is trading at a 28% discount.
Price
$10.71
Fair Value
$46.57
Uncertainty
Very High
1-Star Price
$26.60
5-Star Price
$5.54
Economic Moat
Wkqn
Capital Allocation
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Trading Information

Previous Close Price
$10.85
Day Range
$11.0011.65
52-Week Range
$9.5112.24
Bid/Ask
$11.25 / $11.85
Market Cap
$65.38 Mil
Volume/Avg
9,156 / 1,815

Key Statistics

Price/Earnings (Normalized)
13.86
Price/Sales
2.60
Dividend Yield (Trailing)
Dividend Yield (Forward)
Total Yield
0.09%

Company Profile

Lake Shore Bancorp Inc operates as a savings and loan holdings company. The bank's 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, 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 revenues are principally derived from interest earned on loans and investment securities.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
117

Comparables

Valuation

Metric
LSBK
MBCN
CATC
Price/Earnings (Normalized)
13.8610.0312.68
Price/Book Value
0.750.860.95
Price/Sales
2.602.483.12
Price/Cash Flow
12.438.4112.62
Price/Earnings
LSBK
MBCN
CATC

Financial Strength

Metric
LSBK
MBCN
CATC
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
LSBK
MBCN
CATC
Return on Assets (Normalized)
0.69%1.03%0.73%
Return on Equity (Normalized)
5.82%9.13%7.63%
Return on Invested Capital (Normalized)
Return on Assets
LSBK
MBCN
CATC
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRQcgdrtbpXllpb$81.5 Bil
ISNPY
Intesa Sanpaolo ADRLljsmnfbxZdtw$68.4 Bil
USB
U.S. BancorpZnxhrlbpdrCdgk$64.1 Bil
PNC
PNC Financial Services Group IncHvflydrkNgsznf$62.2 Bil
ITUB
Itau Unibanco Holding SA ADRDyryththXyf$57.2 Bil
TFC
Truist Financial CorpZykhgwmXvzyjmh$50.8 Bil
MFG
Mizuho Financial Group Inc ADRClxjwnkcfRbz$48.9 Bil
LYG
Lloyds Banking Group PLC ADRXrprvkdyChrym$40.4 Bil
DB
Deutsche Bank AGRgwnRkbw$35.3 Bil
NWG
NatWest Group PLC ADRVdhfMpkvx$33.5 Bil

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