US · LSBK
Lake Shore Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Dunkirk, NY 14048
- Website
- lakeshoresavings.com
Price · as of 2024-12-31
$15.98
Market cap 121.14M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $125.81 | +687.07% |
| Intrinsic Value(DCF) | $12.81 | -19.86% |
| Graham-Dodd Method(GD) | $12.90 | -19.28% |
| Graham Formula(GF) | $8.24 | -48.48% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $5.09 | $38.07 | $5.98 | $7.97 | $5.31 |
| 2011 | $5.21 | $25.77 | $16.92 | $9.42 | $2.05 |
| 2012 | $6.05 | $28.06 | $17.62 | $9.21 | $2.29 |
| 2013 | $6.51 | $48.24 | $18.05 | $9.73 | $1.90 |
| 2014 | $7.35 | $55.95 | $17.17 | $10.08 | $2.21 |
| 2015 | $7.26 | $30.24 | $17.32 | $10.19 | $3.72 |
| 2016 | $8.68 | $39.91 | $10.30 | $9.85 | $6.15 |
| 2017 | $9.70 | $29.59 | $10.50 | $10.16 | $4.18 |
| 2018 | $9.48 | $30.15 | $11.85 | $10.52 | $8.04 |
| 2019 | $9.19 | $34.53 | $11.35 | $10.35 | $9.56 |
| 2020 | $9.48 | $37.54 | $11.86 | $11.58 | $5.78 |
| 2021 | $9.86 | $40.08 | $22.45 | $12.87 | $7.64 |
| 2022 | $7.30 | $30.14 | $11.52 | $11.06 | $9.80 |
| 2023 | $7.82 | $70.08 | $13.33 | $13.91 | $18.65 |
| 2024 | $11.48 | $125.81 | $13.98 | $12.90 | $8.23 |
AI valuation
Our deep-learning model estimates Lake Shore Bancorp, Inc.'s (LSBK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $125.81
- Current price
- $15.98
- AI upside
- +687.07%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$12.81
-19.86% upside
Graham-Dodd
$12.90
-19.28% upside
Graham Formula
$8.24
-48.48% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| LSBK | Lake Shore Bancorp, Inc. | $15.98 | 121.14M | +687% | -20% | -19% | -48% | 17.74 | 0.97 | 2.30 | 1.23 | 270.53 | 0.98 | 67.82% | 15.39% | 12.94% | 5.60% | 55.27% | 0.70% | 0.11 | 0.43 | 0.16 | 0.16 | -3.46 | 656.00% | 472.00% | -5686.00% | 2.87% | 0.00 | 28.11% | 1.24% | 21.90% | 6.29% | 1.38 | 3.23 | 0.21 | -0.50 |
| AFBI | Affinity Bancshares, Inc. | $19.90 | 122.74M | +217% | -4% | +22% | -22% | 21.58 | 0.91 | 2.35 | 17.67 | — | 1.06 | 61.50% | 13.97% | 10.88% | 4.34% | 5.16% | 0.64% | 0.47 | 0.37 | 0.06 | 0.06 | 2.25 | -1531.00% | 1068.00% | -1328.00% | 5.42% | 0.01 | 6.04% | 0.00% | 0.00% | 0.00% | 19.54 | 21.42 | 2.73 | -0.57 |
| BSBK | Bogota Financial Corp. | $8.49 | 110.1M | +3,573% | +33% | +41% | -77% | 50.81 | 0.75 | 2.37 | 69.46 | — | 0.75 | 38.79% | 4.63% | 4.67% | 1.50% | 1.19% | 0.22% | 0.52 | 0.08 | — | — | 18.20 | -20000.00% | 390.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 87.54% | 69.46 | — | 3.22 | 0.32 |
| FGBI | First Guaranty Bancshares… | $8.81 | 139.14M | +779% | -54% | — | +400% | -2.15 | 0.53 | 0.62 | -4.17 | — | 0.54 | -6.18% | -34.99% | -28.59% | -23.28% | -3719.92% | -1.39% | 0.82 | -0.54 | 0.01 | 0.01 | -2.41 | -61481.00% | -1995.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -4.17 | — | 1.46 | -0.45 |
| MGYR | Magyar Bancorp, Inc. | $17.52 | 113.49M | +149% | +23% | +28% | +75% | 10.76 | 0.88 | 1.80 | 8.89 | 40.12 | 0.89 | 60.27% | 23.64% | 16.71% | 8.51% | 8.04% | 1.00% | 0.41 | 0.61 | 0.03 | 0.04 | 2.85 | 2683.00% | 1208.00% | 7826.00% | 9.34% | 0.01 | 8.08% | 1.74% | 18.70% | 2.54% | 9.50 | 13.36 | 2.24 | -0.68 |
| PROV | Provident Financial Holdi… | $16.00 | 102M | +124% | +4% | -4% | -38% | 16.35 | 0.80 | 1.70 | 21.21 | — | 0.80 | 65.94% | 14.75% | 10.40% | 4.84% | 2.07% | 0.50% | 1.66 | 0.42 | 0.06 | 0.06 | 12.94 | -1226.00% | 253.00% | 9910.00% | 7.97% | 0.01 | 2.70% | 3.68% | 60.20% | 34.57% | 29.55 | 32.15 | 4.36 | -0.44 |
| RBKB | Rhinebeck Bancorp, Inc. | $16.00 | 178.33M | +1,014% | -60% | +7% | +167% | 17.10 | 1.26 | 2.27 | 1.70 | — | 1.28 | 68.17% | 16.72% | 13.24% | 7.77% | 53.49% | 0.79% | 0.22 | 0.56 | 5.00 | 5.00 | 0.99 | -21500.00% | 3979.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 24.66% | 1.81 | — | 0.30 | 1.13 |
| RVSB | Riverview Bancorp, Inc. | $5.35 | 110.8M | +484% | +34% | +5% | -26% | 23.69 | 0.73 | 1.59 | 18.64 | 85.28 | 0.87 | 68.97% | 8.52% | 6.70% | 3.11% | 2.99% | 0.32% | 0.66 | 0.28 | 0.04 | 0.04 | 7.96 | 2778.00% | 961.00% | -2219.00% | 4.78% | 0.01 | 3.38% | 2.18% | 51.70% | 19.11% | 28.58 | 32.08 | 2.43 | -0.71 |
| SBFG | SB Financial Group, Inc. | $20.76 | 130.76M | +977% | +29% | +39% | +105% | 9.44 | 0.93 | 1.45 | 7.34 | 34.54 | 1.33 | 70.91% | 23.86% | 15.35% | 10.40% | 27.15% | 0.96% | 0.53 | 0.85 | — | — | 0.16 | 2733.00% | 1187.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 26.57% | 5.83 | — | 1.39 | 0.34 |
| SFBC | Sound Financial Bancorp, … | $42.47 | 108.98M | +356% | +7% | -10% | -17% | 26.80 | 1.20 | 2.00 | 15.73 | — | 1.26 | 57.51% | 9.10% | 7.48% | 4.54% | 4.83% | 0.47% | 0.39 | 0.21 | 0.07 | 0.07 | -0.40 | -3706.00% | 1161.00% | -5567.00% | 2.30% | 0.00 | 2.97% | 1.57% | 42.00% | 9.61% | 20.13 | 39.80 | 1.83 | -0.67 |
| UNB | Union Bankshares, Inc. | $23.25 | 106.54M | +22% | -17% | -87% | +94% | 14.43 | 1.90 | 1.62 | 19.90 | — | 1.95 | 60.84% | 11.71% | 11.24% | 13.25% | 98.59% | 0.58% | 4.15 | 0.31 | 0.16 | 0.16 | 24.37 | -2258.00% | 1586.00% | 5293.00% | 8.77% | 0.01 | 124.68% | 5.10% | 73.60% | 5.10% | 23.38 | 19.26 | 2.74 | -0.56 |
About Lake Shore Bancorp, Inc.
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
- CEO
- Kim C. Liddell
- Employees
- 93
- Beta
- 0.27
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($12.81 ÷ $15.98) − 1 = -19.86% (DCF, example).