Susan Ballard - Lake Shore Independent Director
| LSBK Stock | USD 13.46 0.01 0.07% |
Director
Ms. Susan C. Ballard is an Independent Director of Lake Shore Bancorp, Inc. Ms. Ballard became the Branch Director for Hunt Real Estate ERA in February 2016. Hunt Real Estate ERA is an integrated home ownership services organization that provides residential and commercial real estate listings, mortgage loans, insurance products, title services and relocation services, with headquarters in Depew, New York, and offices throughout New York and Arizona. Previously, Ms. Ballard served as the Chief Operating Officer of National Fire Adjustment Co., Inc., an insurance adjustment firm that provides loss adjustment services for damages resulting from fire, water damage, windstorm, explosion or other perils located in Amherst, New York, a position she started in March 2015. Prior to that she was the Sales Manager at Essex Homes of Western New York, Inc., a custom home builder located in Clarence, New York, a position she started in January 2013. She also held the position of Vice President of Patrick Custom Homes, a residential construction and real estate development company located in East Amherst, New York from 2005 until 2012 since 2012.
| Age | 60 |
| Tenure | 12 years |
| Address | 31 East Fourth Street, Dunkirk, NY, United States, 14048 |
| Phone | 716 366 4070 |
| Web | https://lakeshoresavings.com |
Lake Shore Management Efficiency
At this time, Lake Shore's Return On Capital Employed is quite stable compared to the past year. Return On Equity is expected to rise to 0.06 this year, although the value of Return On Tangible Assets will most likely fall to 0.01. At this time, Lake Shore's Total Current Liabilities is quite stable compared to the past year. Non Current Liabilities Total is expected to rise to about 670.8 M this year, although the value of Liabilities And Stockholders Equity will most likely fall to about 518.8 M. Lake Shore's management efficiency ratios could be used to measure how well Lake Shore manages its routine affairs as well as how well it operates its assets and liabilities.Similar Executives
| Found 4 records | DIRECTOR Age | ||
| Debbie NalchajianCohen | Community West Bancshares | N/A | |
| John Reissner | Magyar Bancorp | N/A | |
| Steven McDonald | Community West Bancshares | 74 | |
| John Illgen | Community West Bancshares | 79 | |
Management Performance
| Return On Equity | 0.049 | |||
| Return On Asset | 0.006 |
Lake Shore Bancorp Leadership Team
Elected by the shareholders, the Lake Shore's board of directors comprises two types of representatives: Lake Shore inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Lake. The board's role is to monitor Lake Shore's management team and ensure that shareholders' interests are well served. Lake Shore's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Lake Shore's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Nicole May, Compliance Officer | ||
| Kim Liddell, President CEO | ||
| Eric Hohenstein, Corporate Secretary | ||
| Wendy Harrington, Corporate Secretary | ||
| Brenda Mikolajczak, Assistant Director | ||
| Rachel Foley, CFO, Principal Accounting Officer, Treasurer, CFO of Lake Shore Savings Bank, Principal Accounting Officer of Lake Shore Savings Bank and Treasurer of Lake Shore Savings | ||
| Dylan Rubadeaux, Senior Officer | ||
| Jeffrey Werdein, Executive Vice President- Commercial Division | ||
| Robert Cortellucci, Chief Officer | ||
| Janinne Dugan, VP Officer | ||
| Steven Schiavone, Principal Accounting Officer, Controller | ||
| Jennifer CFE, Chief Officer | ||
| Daniel Reininga, CEO and President Director, Member of Asset/Liability Committee, CEO of Lake Shore Savings Bank and President of Lake Shore Savings Bank and Director of Lake Shore Savings Bank | ||
| Susan Ballard, Independent Director | ||
| Tamara Bellanti, Senior Resources | ||
| Taylor Gilden, Principal CFO | ||
| Mark Peters, Chief Mang | ||
| Melissa Sprague, Chief Officer |
Lake Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Lake Shore a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.049 | |||
| Return On Asset | 0.006 | |||
| Profit Margin | 0.17 % | |||
| Operating Margin | 0.25 % | |||
| Current Valuation | 37 M | |||
| Shares Outstanding | 5.74 M | |||
| Shares Owned By Insiders | 66.27 % | |||
| Shares Owned By Institutions | 9.37 % | |||
| Number Of Shares Shorted | 2.97 K | |||
| Price To Earning | 13.34 X |
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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.