Lake Shore Bancorp, Inc. (LSBK) is a Banks - Regional company in the Financial Services sector, currently trading at $15.60. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of LSBK = $26.75 (+71.5% from the current price, the stock appears undervalued).
Valuation: LSBK trades at a trailing Price-to-Earnings (P/E) of 16 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 2.03.
Financials: revenue is $40M, +10.7%/yr average growth. Net income is $7M, growing at +11.4%/yr. Net profit margin is 18.4% (healthy). Gross margin is 70.9% (-18.4 pp trend).
Balance sheet: total debt is $1M against $142M equity (Debt-to-Equity (D/E) ratio 0.01, conservative). Current ratio is 200.88 (strong liquidity). Debt-to-assets is 0.2%. Total assets: $727M.
SharesGrow 7-Criteria breakdown: Value 47/100 (Partial), Growth 80/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).
