LSBK Valuation

Lake Shore Bancorp Inc

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12.970

+0.04(0.309%)1D

Overview
Forecast
Valuation
Earnings

LSBK Relative Valuation

LSBK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, LSBK is overvalued; if below, it's undervalued.

Historical Valuation

Lake Shore Bancorp Inc (LSBK) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Lake Shore Bancorp Inc (LSBK) is between to according to relative valuation methord.

Relative Value

Fair Zone

Current Price：12.91

Fair

0.00

Trailing

Forward

0.00

EV/EBITDA

Lake Shore Bancorp Inc. (LSBK) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Lake Shore Bancorp Inc. (LSBK) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Lake Shore Bancorp Inc. (LSBK) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.

0.00

P/OCF

Lake Shore Bancorp Inc. (LSBK) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Lake Shore Bancorp Inc. (LSBK) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Lake Shore Bancorp Inc (LSBK) has a current Price-to-Book (P/B) ratio of 0.77. Compared to its 3-year average P/B ratio of 0.82 , the current P/B ratio is approximately -5.95% higher. Relative to its 5-year average P/B ratio of 0.87, the current P/B ratio is about -11.09% higher. Lake Shore Bancorp Inc (LSBK) has a Forward Free Cash Flow (FCF) yield of approximately 4.00%. Compared to its 3-year average FCF yield of 7.61%, the current FCF yield is approximately -47.42% lower. Relative to its 5-year average FCF yield of 7.74% , the current FCF yield is about -48.32% lower.

0.79

P/B

Median3y

0.82

Median5y

0.87

4.02

FCF Yield

Median3y

7.61

Median5y

7.74

Competitors Valuation Multiple

The average P/S ratio for LSBK's competitors is 0.71, providing a benchmark for relative valuation. Lake Shore Bancorp Inc Corp (LSBK) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 20.51%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

LSBK.O

Lake Shore Bancorp Inc

Provident Financial Holdings Inc

Riverview Bancorp Inc

Performance Decomposition

Market capitalization of LSBK increased by 41.51% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 21.97 to 31.35.

The secondary factor is the Revenue Growth, contributed 20.51%to the performance.

Overall, the performance of LSBK in the past 1 year is driven by Margin Expansion. Which is more sustainable.

20.51%

5.08M → 6.12M

Revenue Growth

42.69%

21.97 → 31.35

Margin Expansion

-21.69%

15.77 → 12.35

P/E Change

41.51%