Lake Shore Bancorp, Inc. (LSBK) Financial Ratios
22 years of historical data (2004–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
8.02
+5% vs avg
5yr avg: 7.65
30Y Low5.0·High35.4
P/FCF
↑
18.40
+19% vs avg
5yr avg: 15.49
30Y Low9.1·High30.8
P/B Ratio
↓
0.91
+6% vs avg
5yr avg: 0.86
30Y Low0.8·High1.5
ROE
↓
6.3%
-0% vs avg
5yr avg: 6.3%
30Y Low3%·High8%
Debt/EBITDA
↓
0.14
↓-95% vs avg
5yr avg: 2.84
30Y Low0.1·High22.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LSBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Lake Shore Bancorp, Inc. trades at 18.1x earnings, 33% above its 5-year average of 13.6x, sitting at the 45th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 33%. On a free-cash-flow basis, the stock trades at 18.4x P/FCF, 19% above the 5-year average of 15.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $137M | $109M | $77M | $69M | $71M | $88M | $77M | $92M | $92M | $105M | $98M |
| Enterprise Value | $74M | $46M | $54M | $50M | $99M | $42M | $64M | $96M | $104M | $118M | $102M |
| P/E Ratio → | 18.13 | 15.27 | 15.62 | 14.18 | 12.38 | 10.48 | 17.14 | 22.60 | 22.69 | 30.90 | 27.95 |
| P/S Ratio | 3.46 | 2.76 | 2.03 | 1.89 | 2.41 | 3.15 | 2.83 | 3.43 | 3.82 | 4.76 | 4.54 |
| P/B Ratio | 0.91 | 0.77 | 0.86 | 0.80 | 0.87 | 1.00 | 0.90 | 1.11 | 1.15 | 1.34 | 1.29 |
| P/FCF | 18.40 | 14.66 | 30.83 | 11.80 | 9.10 | 11.08 | 14.89 | 18.29 | 17.31 | 24.17 | 25.64 |
| P/OCF | 17.11 | 13.63 | 30.83 | 11.06 | 8.65 | 10.26 | 13.83 | 15.75 | 15.00 | 18.03 | 22.84 |
P/E links to full P/E history page with 30-year chart
LSBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Lake Shore Bancorp, Inc.'s enterprise value stands at 8.0x EBITDA, roughly in line with its 5-year average of 7.6x. The Financial Services sector median is 11.4x, placing the stock at a 30% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.17 | 1.43 | 1.38 | 3.36 | 1.51 | 2.35 | 3.60 | 4.34 | 5.34 | 4.73 |
| EV / EBITDA | 8.02 | 5.00 | 8.24 | 7.15 | 12.80 | 5.05 | 10.32 | 17.34 | 19.45 | 21.74 | 19.80 |
| EV / EBIT | 8.44 | 5.27 | 9.28 | 8.06 | 14.40 | 5.64 | 11.94 | 20.30 | 22.73 | 25.80 | 23.79 |
| EV / FCF | — | 6.20 | 21.71 | 8.63 | 12.68 | 5.32 | 12.34 | 19.15 | 19.68 | 27.08 | 26.68 |
LSBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
Lake Shore Bancorp, Inc. earns an operating margin of 22.1%, roughly in line with the Financial Services sector average. Operating margins have expanded from 17.1% to 22.1% over the past 3 years, signaling improving operational efficiency. ROE of 6.3% is modest, trailing the sector median of 9.0%. ROIC of 5.4% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.9% | 70.9% | 67.8% | 77.0% | 89.3% | 88.1% | 77.9% | 77.2% | 83.4% | 85.8% | 84.2% |
| Operating Margin | 22.1% | 22.1% | 15.4% | 17.1% | 23.3% | 26.8% | 19.7% | 17.7% | 19.1% | 20.7% | 19.9% |
| Net Profit Margin | 18.4% | 18.4% | 12.9% | 13.2% | 19.4% | 22.2% | 16.7% | 15.3% | 16.7% | 15.3% | 16.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.3% | 6.3% | 5.6% | 5.8% | 6.7% | 7.1% | 5.4% | 5.0% | 5.1% | 4.4% | 4.7% |
| ROA | 1.0% | 1.0% | 0.7% | 0.7% | 0.8% | 0.9% | 0.7% | 0.7% | 0.8% | 0.7% | 0.7% |
| ROIC | 5.4% | 5.4% | 4.0% | 3.9% | 4.5% | 5.0% | 3.5% | 3.2% | 3.3% | 3.4% | 3.4% |
| ROCE | 2.1% | 2.1% | 4.8% | 4.9% | 5.8% | 6.1% | 4.2% | 3.9% | 4.0% | 4.2% | 4.1% |
LSBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Lake Shore Bancorp, Inc. carries a Debt/EBITDA ratio of 0.1x, which is very conservative (97% below the sector average of 4.3x). The company holds a net cash position — cash of $64M exceeds total debt of $1M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.01 | 0.11 | 0.41 | 0.46 | 0.25 | 0.35 | 0.42 | 0.31 | 0.34 | 0.25 |
| Debt / EBITDA | 0.14 | 0.14 | 1.55 | 5.02 | 4.86 | 2.63 | 4.78 | 6.24 | 4.60 | 4.98 | 3.68 |
| Net Debt / Equity | — | -0.44 | -0.25 | -0.21 | 0.34 | -0.52 | -0.15 | 0.05 | 0.16 | 0.16 | 0.05 |
| Net Debt / EBITDA | -6.83 | -6.83 | -3.46 | -2.63 | 3.61 | -5.47 | -2.13 | 0.79 | 2.34 | 2.34 | 0.77 |
| Debt / FCF | — | -8.46 | -9.12 | -3.18 | 3.58 | -5.76 | -2.54 | 0.87 | 2.37 | 2.91 | 1.04 |
| Interest Coverage | 0.75 | 0.75 | 0.43 | 0.66 | 2.84 | 2.80 | 1.22 | 0.91 | 1.27 | 1.73 | 1.87 |
Net cash position: cash ($64M) exceeds total debt ($1M)
LSBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Lake Shore Bancorp, Inc.'s current ratio of 200.88x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.20x to 200.88x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 200.88 | 200.88 | 0.16 | 0.20 | 0.15 | 0.27 | 0.22 | 0.21 | 0.23 | 0.24 | 0.27 |
| Quick Ratio | 200.88 | 200.88 | 0.16 | 0.20 | 0.15 | 0.27 | 0.22 | 0.21 | 0.23 | 0.24 | 0.27 |
| Cash Ratio | 200.88 | 200.88 | 0.06 | 0.09 | 0.02 | 0.11 | 0.08 | 0.06 | 0.03 | 0.04 | 0.04 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
LSBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Lake Shore Bancorp, Inc. returns 0.8% to shareholders annually — split between a 0.8% dividend yield and 0.0% buyback yield. The payout ratio of 14.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 5.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.8% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 14.0% | 14.0% | 21.9% | — | 25.2% | 17.5% | 22.4% | 31.1% | 22.0% | 22.0% | 25.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.5% | 6.5% | 6.4% | 7.1% | 8.1% | 9.5% | 5.8% | 4.4% | 4.4% | 3.2% | 3.6% |
| FCF Yield | 5.4% | 6.8% | 3.2% | 8.5% | 11.0% | 9.0% | 6.7% | 5.5% | 5.8% | 4.1% | 3.9% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.8% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $7M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M |
Peer Comparison
Compare LSBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 LSBKYou | $137M | 18.1 | 8.0 | 18.4 | 70.9% | 22.1% | 6.3% | 5.4% | 0.1 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NECB | $356M | 7.9 | 5.5 | 7.0 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 BWFG | $448M | 12.6 | 7.7 | 17.1 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 KRNY | $533M | 20.2 | 45.2 | 24.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 FISI | $735M | 10.3 | 10.5 | 54.1 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
 TRST | $925M | 16.1 | 11.9 | 20.2 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 AMTB | $991M | 18.7 | 22.1 | 10.1 | 57.4% | 10.1% | 5.7% | 2.6% | 14.7 |
 FHN | $12B | 13.2 | 11.9 | 12.9 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 22 years · Updated daily
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LSBK — Frequently Asked Questions
Quick answers to the most common questions about buying LSBK stock.
What is Lake Shore Bancorp, Inc.'s P/E ratio?
Lake Shore Bancorp, Inc.'s current P/E ratio is 18.1x. The historical average is 21.5x. This places it at the 45th percentile of its historical range.
What is Lake Shore Bancorp, Inc.'s EV/EBITDA?
Lake Shore Bancorp, Inc.'s current EV/EBITDA is 8.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 17.3x.
What is Lake Shore Bancorp, Inc.'s ROE?
Lake Shore Bancorp, Inc.'s return on equity (ROE) is 6.3%. The historical average is 5.4%.
Is LSBK stock overvalued?
Based on historical data, Lake Shore Bancorp, Inc. is trading at a P/E of 18.1x. This is at the 45th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Lake Shore Bancorp, Inc.'s dividend yield?
Lake Shore Bancorp, Inc.'s current dividend yield is 0.79% with a payout ratio of 14.0%.
What are Lake Shore Bancorp, Inc.'s profit margins?
Lake Shore Bancorp, Inc. has 70.9% gross margin and 22.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Lake Shore Bancorp, Inc. have?
Lake Shore Bancorp, Inc.'s Debt/EBITDA ratio is 0.1x, indicating low leverage. A ratio below 2x is generally considered financially healthy.