Lake Shore Bancorp Inc (LSBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Lake Shore Bancorp Inc stock (LSBK) is currently trading at $15.39. Lake Shore Bancorp Inc PE ratio is 14.91. Lake Shore Bancorp Inc PS ratio (Price-to-Sales) is 4.15. WallStSmart rates LSBK as Hold.
- LSBK PE ratio analysis and historical PE chart
- LSBK PS ratio (Price-to-Sales) history and trend
- LSBK intrinsic value — DCF, Graham Number, EPV models
- LSBK stock price prediction 2025 2026 2027 2028 2029 2030
- LSBK fair value vs current price
- LSBK insider transactions and insider buying
- Is LSBK undervalued or overvalued?
- Lake Shore Bancorp Inc financial analysis — revenue, earnings, cash flow
- LSBK Piotroski F-Score and Altman Z-Score
- LSBK analyst price target and Smart Rating
Lake Shore Bancorp Inc
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LSBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Lake Shore Bancorp Inc (LSBK)
LSBK trades at a significant discount to its Graham intrinsic value of $44.93, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Lake Shore Bancorp Inc (LSBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Lake Shore Bancorp Inc (LSBK) Key Strengths (5)
Keeps $37 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 35.50% year-over-year
Keeps $25 of every $100 in revenue as net profit
Strong revenue growth at 20.10% annually
Supporting Valuation Data
Lake Shore Bancorp Inc (LSBK) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Premium valuation at 4.2x annual revenue
Low institutional interest, mostly retail-driven
Lake Shore Bancorp Inc (LSBK) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.6/10) while 4 fall into concern territory (avg 3.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.77) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 37.00%, Profit Margin at 24.50%. Growth metrics are encouraging with Revenue Growth at 20.10%, EPS Growth at 35.50%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (4.15) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 5.94%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.94% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 20.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LSBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LSBK's Price-to-Sales ratio of 4.15x trades at a 21% premium to its historical average of 3.44x (93th percentile). The current valuation is 0% below its historical high of 4.15x set in Mar 2026, and 58% above its historical low of 2.63x in Sep 2025. Over the past 12 months, the PS ratio has expanded from ~2.7x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Lake Shore Bancorp Inc (LSBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Lake Shore Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 28M with 20% growth year-over-year. Profit margins are strong at 24.5%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 24.5% and operating margin of 37.0% demonstrate strong pricing power and operational efficiency.
Generating 2M in free cash flow and 2M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can Lake Shore Bancorp Inc maintain 20%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Lake Shore Bancorp Inc.
Bottom Line
Lake Shore Bancorp Inc offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(0 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 11:29:09 AM
About Lake Shore Bancorp Inc(LSBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Lake Shore Bancorp, Inc. is the savings and loan holding company of Lake Shore Savings Bank offering banking products and services.