NASDAQ /
Sector: Financial Services
/
Sub-Sector: Savings & Cooperative Banks
/
Stock Type: Cyclical
# of Employee: 115
/
Fiscal Year End: 2016-12-31
/
Stock Type: Small Value
USD
/
Exchange Rate: 1
at
2016-11-22
/
Estimation: $Confidential
/
/ $
Lake Shore Bancorp Inc operates as a mid-tier, federally chartered savings and loan holding company of Lake Shore Savings Bank. The Company provides retail banking services in Erie and Chautauqua Counties of New York State.
NYCB |
PBCT |
ISBC |
WAFD |
CFFN |
NWBI |
PFS |
AF |
FBC |
BOFI |
KRNY |
BHLB |
EBSB |
UBNK |
CASH |
FFIC |
HMST |
DCOM |
OCFC |
HONE |
LOB |
WSBF |
FDEF |
BKMU |
MSBF |
Finance Highlights
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| 2006-12-25 | Annual | 8.80% | 24.20% | 0.6 | 7.1 | 14.80% | 9.30% | 9.30% | 0.179 | 1.214 |
| 2007-12-25 | Annual | 3.00% | 7.80% | 0.3 | 8.5 | 11.50% | 8.80% | 8.80% | 0.176 | 1.101 |
| 2008-12-25 | Annual | 11.50% | 30.30% | 1.0 | 9.0 | 10.70% | 7.10% | 7.10% | 0.153 | 1.220 |
| 2009-12-25 | Annual | 5.10% | 12.90% | 0.5 | 9.4 | 14.20% | 9.80% | 9.80% | 0.150 | 1.229 |
| 2010-12-25 | Annual | 11.80% | 27.90% | 1.1 | 9.5 | 23.70% | 13.00% | 13.00% | 0.130 | 1.429 |
| 2011-12-25 | Annual | 10.00% | 28.40% | 1.1 | 11.2 | 24.50% | 16.40% | 16.40% | 0.151 | 1.381 |
| 2012-12-25 | Annual | 12.80% | 39.60% | 1.5 | 11.7 | 24.30% | 16.70% | 16.70% | 0.161 | 1.387 |
| 2013-12-25 | Annual | 9.30% | 29.20% | 1.1 | 11.4 | 23.30% | 18.10% | 18.10% | 0.157 | 1.400 |
| 2014-12-25 | Annual | 6.90% | 24.70% | 0.9 | 12.4 | 19.60% | 15.70% | 15.70% | 0.172 | 1.358 |
| 2015-12-25 | Annual | 7.30% | 26.70% | 0.9 | 12.5 | 21.90% | 16.40% | 16.40% | 0.185 | 1.243 |
| 2016-12-25 | Annual | 6.30% | 22.10% | 0.8 | 12.6 | 25.10% | 16.30% | 16.30% | 0.184 | 1.182 |
| 2017-12-25 | Annual | 9.30% | 33.10% | 1.2 | 12.8 | 23.00% | 15.30% | 15.30% | 0.178 | 1.110 |
| 2018-12-25 | Annual | 8.70% | 28.90% | 1.1 | 13.1 | 20.70% | 16.70% | 16.70% | .171 | 1.102 |
Key Ratio Trend
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| Average | Annual | -13.70% | -12.69% | -4.61% | 2.38% | -4.12% | 1.83% | 1.83% | -1.96% | -3.00% |
| 2007-12-25 | Annual | -65.91% | -67.77% | -58.88% | 20.34% | -22.30% | -5.38% | -5.38% | -1.68% | -9.31% |
| 2008-12-25 | Annual | 283.33% | 288.46% | 300.78% | 5.14% | -6.96% | -19.32% | -19.32% | -13.07% | 10.81% |
| 2009-12-25 | Annual | -55.65% | -57.43% | -53.11% | 4.78% | 32.71% | 38.03% | 38.03% | -1.96% | 0.74% |
| 2010-12-25 | Annual | 131.37% | 116.28% | 133.33% | 1.55% | 66.90% | 32.65% | 32.65% | -13.33% | 16.27% |
| 2011-12-25 | Annual | -15.25% | 1.79% | -0.80% | 17.58% | 3.38% | 26.15% | 26.15% | 16.15% | -3.36% |
| 2012-12-25 | Annual | 28.00% | 39.44% | 34.35% | 4.53% | -0.82% | 1.83% | 1.83% | 6.62% | 0.43% |
| 2013-12-25 | Annual | -27.34% | -26.26% | -29.69% | -2.70% | -4.12% | 8.38% | 8.38% | -2.48% | 0.94% |
| 2014-12-25 | Annual | -25.81% | -15.41% | -18.47% | 8.64% | -15.88% | -13.26% | -13.26% | 9.55% | -3.00% |
| 2015-12-25 | Annual | 5.80% | 8.10% | 6.39% | 0.63% | 11.73% | 4.46% | 4.46% | 7.56% | -8.47% |
| 2016-12-25 | Annual | -13.70% | -17.23% | -13.65% | 1.15% | 14.61% | -0.61% | -0.61% | -0.54% | -4.91% |
| 2017-12-25 | Annual | 47.62% | 49.77% | 50.95% | 1.46% | -8.37% | -6.13% | -6.13% | -3.26% | -6.09% |
| 2018-12-25 | Annual | -6.45% | -12.69% | -4.61% | 2.38% | -10.00% | 9.15% | 9.15% | -3.93% | -0.72% |
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| 2006-12-25 | Annual | 19,579k | 16,691k | 8,045k | 1,819k | 1,819k | 7,579,167 | 14.80% | 9.30% | 9.30% |
| 2007-12-25 | Annual | 20,624k | 18,251k | 9,133k | 1,817k | 1,817k | 6,265,517 | 11.50% | 8.80% | 8.80% |
| 2008-12-25 | Annual | 20,583k | 18,380k | 8,778k | 1,470k | 1,470k | 6,043,918 | 10.70% | 7.10% | 7.10% |
| 2009-12-25 | Annual | 22,108k | 18,964k | 7,929k | 2,161k | 2,161k | 5,898,170 | 14.20% | 9.80% | 9.80% |
| 2010-12-25 | Annual | 23,380k | 17,849k | 6,316k | 3,043k | 3,043k | 5,783,196 | 23.70% | 13.00% | 13.00% |
| 2011-12-25 | Annual | 22,431k | 16,943k | 5,636k | 3,680k | 3,680k | 5,696,634 | 24.50% | 16.40% | 16.40% |
| 2012-12-25 | Annual | 21,680k | 16,414k | 4,603k | 3,626k | 3,626k | 5,709,177 | 24.30% | 16.70% | 16.70% |
| 2013-12-25 | Annual | 20,706k | 15,890k | 3,556k | 3,743k | 3,743k | 5,717,476 | 23.30% | 18.10% | 18.10% |
| 2014-12-25 | Annual | 20,114k | 16,167k | 3,348k | 3,158k | 3,158k | 5,775,639 | 19.60% | 15.70% | 15.70% |
| 2015-12-25 | Annual | 20,294k | 15,840k | 2,757k | 3,338k | 3,338k | 5,919,420 | 21.90% | 16.40% | 16.40% |
| 2016-12-25 | Annual | 21,588k | 16,173k | 2,294k | 3,515k | 3,515k | 6,022,649 | 25.10% | 16.30% | 16.30% |
| 2017-12-25 | Annual | 22,063k | 16,990k | 2,630k | 3,378k | 3,378k | 6,119,295 | 23.00% | 15.30% | 15.30% |
| 2018-12-25 | Annual | 24,010k | 19,035k | 3,602k | 4m | 4m | 6,085,700 | 20.70% | 16.70% | 16.70% |
Income Statement Trend
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| Average | Annual | 0.89% | 0.71% | -10.77% | 3.23% | 3.23% | -0.55% | -4.12% | 1.83% | 1.83% |
| 2007-12-25 | Annual | 5.34% | 9.35% | 13.52% | -0.11% | -0.11% | -17.33% | -22.30% | -5.38% | -5.38% |
| 2008-12-25 | Annual | -0.20% | 0.71% | -3.89% | -19.10% | -19.10% | -3.54% | -6.96% | -19.32% | -19.32% |
| 2009-12-25 | Annual | 7.41% | 3.18% | -9.67% | 47.01% | 47.01% | -2.41% | 32.71% | 38.03% | 38.03% |
| 2010-12-25 | Annual | 5.75% | -5.88% | -20.34% | 40.81% | 40.81% | -1.95% | 66.90% | 32.65% | 32.65% |
| 2011-12-25 | Annual | -4.06% | -5.08% | -10.77% | 20.93% | 20.93% | -1.50% | 3.38% | 26.15% | 26.15% |
| 2012-12-25 | Annual | -3.35% | -3.12% | -18.33% | -1.47% | -1.47% | 0.22% | -0.82% | 1.83% | 1.83% |
| 2013-12-25 | Annual | -4.49% | -3.19% | -22.75% | 3.23% | 3.23% | 0.15% | -4.12% | 8.38% | 8.38% |
| 2014-12-25 | Annual | -2.86% | 1.74% | -5.85% | -15.63% | -15.63% | 1.02% | -15.88% | -13.26% | -13.26% |
| 2015-12-25 | Annual | 0.89% | -2.02% | -17.65% | 5.70% | 5.70% | 2.49% | 11.73% | 4.46% | 4.46% |
| 2016-12-25 | Annual | 6.38% | 2.10% | -16.79% | 5.30% | 5.30% | 1.74% | 14.61% | -0.61% | -0.61% |
| 2017-12-25 | Annual | 2.20% | 5.05% | 14.65% | -3.90% | -3.90% | 1.60% | -8.37% | -6.13% | -6.13% |
| 2018-12-25 | Annual | 8.82% | 12.04% | 36.96% | 18.41% | 18.41% | -0.55% | -10.00% | 9.15% | 9.15% |
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| 2006-12-25 | Annual | 53,747k | 354,237k | 300,490k | 205,677k | 249,637k | 50,853k | 0.179 | 1.214 |
| 2007-12-25 | Annual | 53,465k | 357,801k | 304,336k | 218,711k | 240,828k | 63,508k | 0.176 | 1.101 |
| 2008-12-25 | Annual | 54,228k | 407,833k | 353,605k | 240,463k | 293,248k | 60,357k | 0.153 | 1.220 |
| 2009-12-25 | Annual | 55,446k | 425,656k | 370,210k | 259,174k | 318,414k | 51,796k | 0.150 | 1.229 |
| 2010-12-25 | Annual | 55,210k | 479,047k | 423,837k | 263,031k | 375,785k | 48,052k | 0.130 | 1.429 |
| 2011-12-25 | Annual | 63,947k | 488,597k | 424,650k | 275,068k | 379,798k | 44,852k | 0.151 | 1.381 |
| 2012-12-25 | Annual | 66,985k | 482,387k | 415,402k | 272,933k | 378,543k | 36,859k | 0.161 | 1.387 |
| 2013-12-25 | Annual | 65,271k | 482,167k | 416,896k | 277,345k | 388,235k | 28,661k | 0.157 | 1.400 |
| 2014-12-25 | Annual | 71,630k | 487,471k | 415,841k | 284,853k | 386,939k | 28,902k | 0.172 | 1.358 |
| 2015-12-25 | Annual | 73,876k | 473,385k | 399,509k | 297,101k | 369,155k | 30,354k | 0.185 | 1.243 |
| 2016-12-25 | Annual | 76,030k | 489,174k | 413,144k | 326,365k | 385,893k | 27,251k | 0.184 | 1.182 |
| 2017-12-25 | Annual | 78,375k | 518,977k | 440,602k | 365,063k | 405,153k | 35,449k | 0.178 | 1.110 |
| 2018-12-25 | Annual | 79,804k | 545,708k | 465,904k | 392,471k | 432,458k | 33,446k | .171 | 1.102 |
Balance Sheet Trend
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| Average | Annual | 2.25% | 1.99% | 1.28% | 4.58% | 2.56% | -6.66% | -1.96% | -3.00% |
| 2007-12-25 | Annual | -0.52% | 1.01% | 1.28% | 6.34% | -3.53% | 24.89% | -1.68% | -9.31% |
| 2008-12-25 | Annual | 1.43% | 13.98% | 16.19% | 9.95% | 21.77% | -4.96% | -13.07% | 10.81% |
| 2009-12-25 | Annual | 2.25% | 4.37% | 4.70% | 7.78% | 8.58% | -14.18% | -1.96% | 0.74% |
| 2010-12-25 | Annual | -0.43% | 12.54% | 14.49% | 1.49% | 18.02% | -7.23% | -13.33% | 16.27% |
| 2011-12-25 | Annual | 15.83% | 1.99% | 0.19% | 4.58% | 1.07% | -6.66% | 16.15% | -3.36% |
| 2012-12-25 | Annual | 4.75% | -1.27% | -2.18% | -0.78% | -0.33% | -17.82% | 6.62% | 0.43% |
| 2013-12-25 | Annual | -2.56% | -0.05% | 0.36% | 1.62% | 2.56% | -22.24% | -2.48% | 0.94% |
| 2014-12-25 | Annual | 9.74% | 1.10% | -0.25% | 2.71% | -0.33% | 0.84% | 9.55% | -3.00% |
| 2015-12-25 | Annual | 3.14% | -2.89% | -3.93% | 4.30% | -4.60% | 5.02% | 7.56% | -8.47% |
| 2016-12-25 | Annual | 2.92% | 3.34% | 3.41% | 9.85% | 4.53% | -10.22% | -0.54% | -4.91% |
| 2017-12-25 | Annual | 3.08% | 6.09% | 6.65% | 11.86% | 4.99% | 30.08% | -3.26% | -6.09% |
| 2018-12-25 | Annual | 1.82% | 5.15% | 5.74% | 7.51% | 6.74% | -5.65% | -3.93% | -0.72% |
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| 2006-12-25 | Annual | 4,500k | -236k | 4,736k | -14,758k | 16,887k |
| 2007-12-25 | Annual | 1,380k | -229k | 1,609k | -11,815k | 1,844k |
| 2008-12-25 | Annual | 4,416k | -1,811k | 6,227k | -31,686k | 46,217k |
| 2009-12-25 | Annual | 2,547k | -301k | 2,848k | -24,645k | 15,124k |
| 2010-12-25 | Annual | 4,899k | -1,618k | 6,517k | -44,783k | 51,334k |
| 2011-12-25 | Annual | 6,152k | -216k | 6,368k | -14,260k | -1,702k |
| 2012-12-25 | Annual | 6,753k | -1,822k | 8,575k | 179k | -10,871k |
| 2013-12-25 | Annual | 5,382k | -657k | 6,039k | -11,149k | 3,204k |
| 2014-12-25 | Annual | 4,347k | -627k | 4,974k | 16,170k | -1,908k |
| 2015-12-25 | Annual | 4,963k | -459k | 5,422k | 9,909k | -16,456k |
| 2016-12-25 | Annual | 4,294k | -468k | 4,762k | -7,253k | 14,211k |
| 2017-12-25 | Annual | 5,827k | -1,480k | 7,307k | -36,462k | 26,069k |
| 2018-12-25 | Annual | 6,114k | -818k | 6,932k | -39,087k | 22,811k |
Cash Flow Trend
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| Average | Annual | 4.93% | 2.97% | -5.13% | -38.72% | -67.28% |
| 2007-12-25 | Annual | -69.33% | 2.97% | -66.03% | 19.94% | -89.08% |
| 2008-12-25 | Annual | 220.00% | -690.83% | 287.01% | -168.18% | 2,406.34% |
| 2009-12-25 | Annual | -42.32% | 83.38% | -54.26% | 22.22% | -67.28% |
| 2010-12-25 | Annual | 92.34% | -437.54% | 128.83% | -81.71% | 239.42% |
| 2011-12-25 | Annual | 25.58% | 86.65% | -2.29% | 68.16% | -103.32% |
| 2012-12-25 | Annual | 9.77% | -743.52% | 34.66% | 101.26% | -538.72% |
| 2013-12-25 | Annual | -20.30% | 63.94% | -29.57% | -6,328.49% | 129.47% |
| 2014-12-25 | Annual | -19.23% | 4.57% | -17.64% | 245.04% | -159.55% |
| 2015-12-25 | Annual | 14.17% | 26.79% | 9.01% | -38.72% | -762.47% |
| 2016-12-25 | Annual | -13.48% | -1.96% | -12.17% | -173.20% | 186.36% |
| 2017-12-25 | Annual | 35.70% | -216.24% | 53.44% | -402.72% | 83.44% |
| 2018-12-25 | Annual | 4.93% | 44.73% | -5.13% | -7.20% | -12.50% |
Finance Detail
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Note