Lake Shore Bancorp, Inc.
NASDAQ Global MarketTotal Valuation
Lake Shore Bancorp, Inc. carries a market capitalization of 143.65M, placing it among publicly traded companies globally. Its enterprise value stands at 18.35M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 143.65M |
| Enterprise Value | 18.35M |
Share Statistics
Lake Shore Bancorp, Inc. currently has 7.86M shares outstanding.
| Shares Outstanding | 7.86M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Lake Shore Bancorp, Inc. trades at a trailing price-to-earnings ratio of 15.76. The price-to-sales ratio is 4.45, and the price-to-book ratio stands at 0.97.
| PE Ratio | 15.76 |
| PS Ratio | 4.45 |
| PB Ratio | 0.97 |
| P/TBV Ratio | 0.97 |
| P/FCF Ratio | 12.33 |
| P/OCF Ratio | 12.46 |
Enterprise Valuation
On an enterprise value basis, Lake Shore Bancorp, Inc. trades at an EV/EBITDA multiple of 31.53 and an EV/FCF ratio of 1.71.
| EV / Sales | 0.62 |
| EV / EBITDA | 31.53 |
| EV / EBIT | N/A |
| EV / FCF | 1.71 |
Financial Efficiency
| Return on Equity (ROE) | 7.06 |
| Return on Assets (ROA) | 1.14 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Lake Shore Bancorp, Inc. has paid 1.81M in income taxes, reflecting an effective tax rate of 17.71.
| Income Tax | 1.81M |
| Effective Tax Rate | 17.71 |
Stock Price Statistics
Lake Shore Bancorp, Inc.'s stock has gained approximately 45.04362% over the past 52 weeks. The 50-day moving average sits at 17.75, while the 200-day moving average is 16.35.
| Beta (5Y) | N/A |
| 52-Week Price Change | 45.04362% |
| 50-Day Moving Average | 17.75 |
| 200-Day Moving Average | 16.35 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Lake Shore Bancorp, Inc. generated 29.73M in revenue and converted that into 8.39M in net income, yielding earnings per share of 1.13.
| Revenue | 29.73M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 10.19M |
| Net Income | 8.39M |
| EBITDA | 582,000.00 |
| EBIT | N/A |
| Earnings Per Share (EPS) | 1.13 |
Balance Sheet
| Cash & Cash Equivalents | 121.70M |
| Total Debt | N/A |
| Net Debt | -72.24M |
| Equity (Book Value) | 144.76M |
| Book Value Per Share | 18.41 |
| Working Capital | N/A |
Cash Flow
Lake Shore Bancorp, Inc. produced 10.62M in operating cash flow over the past twelve months. After subtracting -112,000.00 in capital expenditures, free cash flow totaled 10.51M - equivalent to 1.41 per share.
| Operating Cash Flow | 10.62M |
| Capital Expenditures | -112,000.00 |
| Free Cash Flow | 10.51M |
| FCF Per Share | 1.41 |
Margins
Lake Shore Bancorp, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 34.29 |
| Profit Margin | 28.22 |
| EBITDA Margin | 1.96 |
Dividends & Yields
The company's payout ratio of 31.47 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.36 |
| Dividend Yield | N/A |
| Payout Ratio | 31.47 |
| Shareholder Yield | 7.66 |
| FCF Yield | 8.11 |
Stock Splits
Lake Shore Bancorp, Inc.'s most recent stock split took place on July 21, 2025 with a 500:677 split ratio.
| Last Split Date | 7/21/2025 |
| Split Ratio | 500:677 |
Scores
Lake Shore Bancorp, Inc. posts an Altman Z-Score of 0.36, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.36 |