Lake Financial Statements From 2010 to 2024

LSBK Stock  USD 13.46  0.01  0.07%   
Lake Shore financial statements provide useful quarterly and yearly information to potential Lake Shore Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Lake Shore financial statements helps investors assess Lake Shore's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Lake Shore's valuation are summarized below:
Gross Profit
26.3 M
Profit Margin
0.1662
Market Capitalization
78 M
Enterprise Value Revenue
3.579
Revenue
25.3 M
There are currently one hundred twenty fundamental ratios for Lake Shore that can be evaluated and compared over time across peers in the industry. We recommend to check Lake Shore's last-minute fundamental drivers against the all of the trends between 2010 and 2024. Enterprise Value is expected to rise to about 86.2 M this year, although the value of Market Cap will most likely fall to about 59.8 M.

Lake Shore Total Revenue

17.09 Million

Check Lake Shore financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Lake Shore's main balance sheet or income statement drivers, such as Interest Expense of 9.9 M, Total Revenue of 17.1 M or Gross Profit of 17.1 M, as well as many indicators such as Price To Sales Ratio of 2.32, Dividend Yield of 0.0192 or PTB Ratio of 1.55. Lake financial statements analysis is a perfect complement when working with Lake Shore Valuation or Volatility modules.
  
Check out the analysis of Lake Shore Correlation against competitors.

Lake Shore Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets518.8 M725.1 M542.5 M
Slightly volatile
Short and Long Term Debt Total33.5 M35.2 M25.3 M
Slightly volatile
Total Current Liabilities508.9 M484.6 M230.1 M
Slightly volatile
Total Stockholder Equity66.8 M86.3 M72.6 M
Slightly volatile
Cash26.9 M53.7 M30.9 M
Slightly volatile
Non Current Assets Total42.7 M59.5 M43.6 M
Slightly volatile
Other Assets642.5 M611.9 M263 M
Slightly volatile
Cash And Short Term Investments73.1 M53.7 M98.4 M
Pretty Stable
Common Stock Shares Outstanding4.9 M5.9 M5.9 M
Slightly volatile
Liabilities And Stockholders Equity518.8 M725.1 M542.5 M
Slightly volatile
Total Liabilities363 M638.8 M340 M
Very volatile
Total Current Assets51 M53.7 M250.4 M
Slightly volatile
Short Term Debt26.6 M25.3 M10.9 M
Slightly volatile
Other Stockholder Equity16.4 M17.7 M19.2 M
Slightly volatile
Other Liabilities9.2 M12 M9.2 M
Slightly volatile
Retained Earnings52 M79 M55 M
Slightly volatile
Accounts Payable0.951.0301.3 M
Slightly volatile
Long Term Debt19.2 M35.2 M21.9 M
Slightly volatile
Short Term Investments102 M60.4 M98 M
Slightly volatile
Property Plant Equipment9.4 M10.6 M9.2 M
Slightly volatile
Property Plant And Equipment Net9.4 M8.1 M8.9 M
Pretty Stable
Net Receivables2.1 M2.8 MM
Slightly volatile
Non Current Liabilities Total670.8 M638.8 M107.5 M
Slightly volatile
Property Plant And Equipment Gross11.6 M22 M11.7 M
Slightly volatile
Common Stock Total Equity73.5 K78.2 K68.4 K
Slightly volatile
Common Stock73.7 K78.2 K68.4 K
Slightly volatile
Net Tangible Assets83.8 M93.4 M77 M
Slightly volatile
Retained Earnings Total Equity57.6 M75.3 M55.1 M
Slightly volatile
Capital Surpluse32.6 M35.9 M30.4 M
Slightly volatile
Long Term Investments57.4 M60.4 M184.3 M
Slightly volatile
Non Current Liabilities Other10.1 M9.2 M12.2 M
Slightly volatile
Long Term Debt Total26.6 M39.8 M26.1 M
Slightly volatile
Other Current Assets38.5 M56.6 M26.9 M
Slightly volatile
Earning Assets94 M86.1 M117.5 M
Slightly volatile
Current Deferred Revenue3.5 M3.3 M3.2 M
Slightly volatile
Net Invested Capital78.5 M121.5 M100.2 M
Slightly volatile
Capital Stock54.4 K61.2 K66.6 K
Slightly volatile

Lake Shore Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense9.9 M9.4 M4.6 M
Pretty Stable
Total Revenue17.1 M28 M19.3 M
Slightly volatile
Gross Profit17.1 M28 M19.3 M
Slightly volatile
Other Operating Expenses11.2 M19.2 M14.3 M
Slightly volatile
Operating Income4.7 M6.2 M5.3 M
Slightly volatile
EBIT4.7 M6.2 M5.2 M
Slightly volatile
EBITDA5.4 MM5.9 M
Slightly volatile
Income Before Tax4.5 M6.2 M4.9 M
Slightly volatile
Net Income3.5 M4.8 MM
Slightly volatile
Income Tax Expense956.4 K1.4 M965 K
Pretty Stable
Selling General Administrative8.5 M12.4 M8.9 M
Slightly volatile
Net Income Applicable To Common Shares3.6 M6.6 MM
Slightly volatile
Depreciation And Amortization789 K807 K777.7 K
Slightly volatile
Selling And Marketing Expenses522 K578 K523.5 K
Slightly volatile
Net Income From Continuing Ops4.6 M5.3 M4.2 M
Slightly volatile
Tax ProvisionM1.1 M857.7 K
Slightly volatile
Net Interest Income21.4 M25.3 M18.1 M
Slightly volatile
Interest Income25.5 M32.6 M21.5 M
Slightly volatile
Reconciled Depreciation912.5 K811 K845.6 K
Very volatile

Lake Shore Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Net Income3.7 M4.8 M3.9 M
Slightly volatile
End Period Cash Flow31.7 M53.7 M33.4 M
Slightly volatile
Stock Based Compensation97.8 K103 K282.4 K
Pretty Stable
Free Cash Flow4.8 M5.8 M5.1 M
Slightly volatile
Begin Period Cash Flow9.2 M9.6 M30.5 M
Pretty Stable
Depreciation789 K807 K777.7 K
Slightly volatile
Total Cash From Operating Activities5.6 M6.2 M5.8 M
Slightly volatile
Dividends Paid798 K462 K802.1 K
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.322.44575.6461
Slightly volatile
Dividend Yield0.01920.01830.0117
Slightly volatile
PTB Ratio1.550.79481.2026
Slightly volatile
Days Sales Outstanding39.3241.392.9 K
Slightly volatile
Book Value Per Share18.9314.733733.5534
Slightly volatile
Free Cash Flow Yield0.04860.08480.067
Pretty Stable
Operating Cash Flow Per Share0.691.05970.9738
Slightly volatile
Average Payables0.40.450.49
Slightly volatile
Stock Based Compensation To Revenue0.00350.00370.0137
Very volatile
Capex To Depreciation0.460.48450.9099
Slightly volatile
PB Ratio1.550.79481.2026
Slightly volatile
EV To Sales1.71.78664.8876
Slightly volatile
Free Cash Flow Per Share0.580.99290.8541
Slightly volatile
ROIC0.03260.04990.046
Pretty Stable
Net Income Per Share0.430.82320.6608
Slightly volatile
Sales General And Administrative To Revenue0.570.44110.5661
Slightly volatile
Capex To Revenue0.01320.01390.0566
Slightly volatile
Cash Per Share14.189.17620.7171
Slightly volatile
POCF Ratio17.5811.050414.3061
Very volatile
Interest Coverage0.870.66111.4723
Slightly volatile
Payout Ratio0.170.230.2039
Slightly volatile
Capex To Operating Cash Flow0.05990.0630.1214
Slightly volatile
PFCF Ratio22.2311.793616.703
Very volatile
Income Quality1.721.28731.5025
Slightly volatile
ROE0.06160.05590.0569
Very volatile
EV To Operating Cash Flow7.678.072213.1976
Slightly volatile
PE Ratio27.8414.225721.3391
Pretty Stable
Return On Tangible Assets0.00560.00660.0077
Pretty Stable
EV To Free Cash Flow8.188.615115.307
Slightly volatile
Earnings Yield0.03620.07030.0514
Pretty Stable
Current Ratio7.417.812.508
Slightly volatile
Receivables Turnover9.589.134.6372
Slightly volatile
Graham Number8.816.519213.3582
Slightly volatile
Shareholders Equity Per Share8.1214.733712.1044
Slightly volatile
Debt To Equity0.110.11880.295
Pretty Stable
Capex Per Share0.06340.06680.1166
Slightly volatile
Revenue Per Share5.034.7883.4143
Slightly volatile
Interest Debt Per Share6.283.35534.7777
Slightly volatile
Debt To Assets0.01340.01410.04
Pretty Stable
Enterprise Value Over EBITDA6.777.128912.4309
Slightly volatile
Short Term Coverage Ratios0.420.580.6063
Very volatile
Price Earnings Ratio27.8414.225721.3391
Pretty Stable
Price Book Value Ratio1.550.79481.2026
Slightly volatile
Dividend Payout Ratio0.170.230.2039
Slightly volatile
Price To Operating Cash Flows Ratio17.5811.050414.3061
Very volatile
Price To Free Cash Flows Ratio22.2311.793616.703
Very volatile
Pretax Profit Margin0.210.22180.3232
Slightly volatile
Ebt Per Ebit0.631.00110.6621
Slightly volatile
Operating Profit Margin0.210.22160.3388
Slightly volatile
Effective Tax Rate0.240.2250.2012
Slightly volatile
Company Equity Multiplier9.048.40497.6495
Pretty Stable
Long Term Debt To Capitalization0.10.10620.2348
Slightly volatile
Total Debt To Capitalization0.10.10620.2201
Pretty Stable
Return On Capital Employed0.00920.00860.0133
Pretty Stable
Debt Equity Ratio0.110.11880.295
Pretty Stable
Ebit Per Revenue0.210.22160.3388
Slightly volatile
Quick Ratio2.162.2811.1243
Slightly volatile
Dividend Paid And Capex Coverage Ratio16.6615.86965.672
Slightly volatile
Net Income Per E B T0.620.7750.7894
Very volatile
Cash Ratio0.840.881.4462
Slightly volatile
Operating Cash Flow Sales Ratio0.40.22130.3995
Slightly volatile
Days Of Sales Outstanding39.3241.392.9 K
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.660.9370.8599
Very volatile
Cash Flow Coverage Ratios0.640.60540.2768
Slightly volatile
Price To Book Ratio1.550.79481.2026
Slightly volatile
Fixed Asset Turnover3.633.46082.2728
Slightly volatile
Capital Expenditure Coverage Ratio16.6615.869611.4034
Slightly volatile
Price Cash Flow Ratio17.5811.050414.3061
Very volatile
Enterprise Value Multiple6.777.128912.4309
Slightly volatile
Debt Ratio0.01340.01410.04
Pretty Stable
Cash Flow To Debt Ratio0.640.60540.2768
Slightly volatile
Price Sales Ratio2.322.44575.6461
Slightly volatile
Return On Assets0.00540.00660.0073
Slightly volatile
Asset Turnover0.02460.03870.0339
Pretty Stable
Net Profit Margin0.160.17190.2476
Slightly volatile
Price Fair Value1.550.79481.2026
Slightly volatile
Return On Equity0.06160.05590.0569
Very volatile

Lake Shore Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap59.8 M68.6 M80.9 M
Very volatile
Enterprise Value86.2 M50.1 M75.4 M
Pretty Stable

Lake Fundamental Market Drivers

Cash And Short Term Investments53.7 M

Lake Upcoming Events

30th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Lake Shore Financial Statements

Lake Shore investors utilize fundamental indicators, such as revenue or net income, to predict how Lake Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue3.3 M3.5 M
Total Revenue28 M17.1 M
Cost Of Revenue63.2 K60.1 K
Sales General And Administrative To Revenue 0.44  0.57 
Capex To Revenue 0.01  0.01 
Revenue Per Share 4.79  5.03 
Ebit Per Revenue 0.22  0.21 

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

The Portfolio Architect is an AI-driven system that provides multiple benefits to our users by leveraging cutting-edge machine learning algorithms, statistical analysis, and predictive modeling to automate the process of asset selection and portfolio construction, saving time and reducing human error for individual and institutional investors.

Try AI Portfolio Architect
When determining whether Lake Shore Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Lake Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Lake Shore Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Lake Shore Bancorp Stock:
Check out the analysis of Lake Shore Correlation against competitors.
You can also try the AI Portfolio Architect module to use AI to generate optimal portfolios and find profitable investment opportunities.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Lake Shore. If investors know Lake will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Lake Shore listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.11)
Dividend Share
0.54
Earnings Share
0.75
Revenue Per Share
4.51
Quarterly Revenue Growth
(0.1)
The market value of Lake Shore Bancorp is measured differently than its book value, which is the value of Lake that is recorded on the company's balance sheet. Investors also form their own opinion of Lake Shore's value that differs from its market value or its book value, called intrinsic value, which is Lake Shore's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Lake Shore's market value can be influenced by many factors that don't directly affect Lake Shore's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Lake Shore's value and its price as these two are different measures arrived at by different means. Investors typically determine if Lake Shore is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Lake Shore's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.