Fundamental Analysis of Lake Shore Bancorp Inc - Growth / Value Index
LSBK - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.269
Price to Book Ratio is 0.220 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 17.31 | 13.77 | 7.70 % | |
| Price to Book | 0.220 | 0.105 | -88.31 % | 0.354 |
| Price to Sales | 2.21 | 2.62 | -2.86 % | |
| Enterprise Value to EBITDA Multiple | 33.75 | 14.00 | 28.83 % |
LSBK - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Gives Dividend Yield of 6.00 %
Company Earning excess return
Good Net Margin of 12.76% is achieved by the company
Low Earning Yield of 5.78 %
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 4.92 | 6.10 | -13.23 % | 1.17 |
| Return On Asset | 0.576 | 0.726 | -11.00 % | 0.141 |
| Net Profit Margin | 12.76 | 19.04 | -9.80 % | 10.88 |
| Operating Profit Margin | 67.06 | 131.64 | 322.34 % | 100.00 |
| EBITDA Margin | 16.80 | 48.25 | 40.54 % | 12.85 |
Highlights
| Market Cap | 70093.34 K |
| Enterprise Value | 184366 K |
| Price/Book TTM | 0.220 |
| Outstanding Share | 5684.78 K |
| Float/ Outstanding Share | 31.33% |
| Dividend Yield | 5.84 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.284 |
| Peter Lynch Ratio | -0.410 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 1.44 |
| Sloan Ratio | -0.0016 |
| Peter Lynch Fair Value | 5.90 |
LSBK - Growth Highlights
Growth Analysis
Annual sales of the company is increased for three years in a row
Steady increase in Total Assets for last 3 Years
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 32519.00 K | 2.22 % | 2.31 % |
| Gross Profit | 32519.00 K | 34.56 % | 2.31 % |
| EBITDA | 5463.00 K | 43.66 % | 8.63 % |
| Net Profit | 4150.00 K | 7.80 % | 35.38 % |
| EPS | 0.713 | 7.15 % | NA |
LSBK - Stability Highlights
Stability Analysis
Tsr Stability Index - Poor Score of 32.81
Altman Z Score of 1.44 suggest high risk
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.702 | 51.74 % | 0.700 |
| Cash Ratio | -0.111 | -114.50 % | |
| Quick Ratio | 1.15 | -41.81 % | 0.0084 |
| Shareholders Equity | 11.90 | 2.57 % | |
| Debt to EBITDA | 4.54 | 12.24 % |
Historical Valuation Ratios of Lake Shore Bancorp Inc
Historical Valuation Ratios
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Historical Profitability Ratios of Lake Shore Bancorp Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of Lake Shore Bancorp Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of Lake Shore Bancorp Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)