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Upturn AI SWOT - About
Lake Shore Bancorp Inc (LSBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: LSBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.61% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 90.99M USD | Price to earnings Ratio 17.56 | 1Y Target Price - |
Price to earnings Ratio 17.56 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.26 | 52 Weeks Range 11.35 - 16.95 | Updated Date 06/29/2025 |
52 Weeks Range 11.35 - 16.95 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.56% | Basic EPS (TTM) 0.9 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.28% | Operating Margin (TTM) 21.74% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 5.61% |
Valuation
Trailing PE 17.56 | Forward PE - | Enterprise Value 63187832 | Price to Sales(TTM) 3.53 |
Enterprise Value 63187832 | Price to Sales(TTM) 3.53 | ||
Enterprise Value to Revenue 3.84 | Enterprise Value to EBITDA - | Shares Outstanding 5759170 | Shares Floating 1826632 |
Shares Outstanding 5759170 | Shares Floating 1826632 | ||
Percent Insiders 66.79 | Percent Institutions 8.54 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lake Shore Bancorp Inc
Company Overview
History and Background
Lake Shore Bancorp, Inc. was founded in 1891 as a savings and loan association in Dunkirk, New York. It has evolved into a community-oriented financial institution offering banking and financial services to individuals and businesses in Western New York.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans, and other financial products to individuals and small businesses. Focuses on local customer relationships and community development.
- Commercial Lending: Offers a variety of commercial lending products to businesses, including term loans, lines of credit, and commercial real estate loans. Aims to support local business growth and economic development.
- Mortgage Lending: Provides mortgage loan products for purchasing or refinancing real estate. Supports homeownership in the local community.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives who oversee the bank's operations and strategic direction. The organizational structure comprises various departments, including lending, retail banking, finance, and operations, reporting to the executive management team.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Market share is approximately 0.2% in its primary market area. Competitors include larger national banks and regional mortgage lenders. No specific revenue for this product line is publicly available.
- Commercial Loans: Offers loans to local businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Competitors include other community banks and credit unions. No specific revenue data for this product is available.
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. No specific market share or users publicly available for this type of product.
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing competition, regulatory scrutiny, and technological advancements. Banks are focused on enhancing customer experience, improving operational efficiency, and managing credit risk.
Positioning
Lake Shore Bancorp is positioned as a community-focused bank, emphasizing local relationships and personalized service. Its competitive advantages include its strong understanding of the local market and its commitment to community development.
Total Addressable Market (TAM)
The total addressable market is estimated at several billion dollars within Western New York. Lake Shore's positioning is focused on capturing a share of this market through community-based lending and banking.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Personalized customer service
- Experienced management team
- Commitment to community development
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on local economy
- Potential concentration risk in loan portfolio
Opportunities
- Expanding digital banking services
- Increasing commercial lending activity
- Acquiring smaller banks or branches
- Capitalizing on underserved markets
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Manufacturers and Traders Trust Company (MTB)
- KeyCorp (KEY)
- Bank of America Corporation (BAC)
Competitive Landscape
Lake Shore Bancorp faces intense competition from larger regional and national banks. Its advantages lie in its local presence and personalized service, while its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic growth in lending and deposit gathering. Specific data is unavailable.
Future Projections: Future projections depend on various factors, including economic conditions, interest rates, and competitive dynamics. Analyst estimates are unavailable.
Recent Initiatives: Recent initiatives likely include efforts to enhance digital banking services, expand commercial lending, and improve operational efficiency.
Summary
Lake Shore Bancorp is a community bank with a strong local presence, facing competition from larger institutions. It has a commitment to community development, but its growth is constrained by its smaller size and limited geographic reach. The bank should focus on expanding its digital services and commercial lending activity to enhance its growth trajectory. The local economy and interest rates will play a key role in the banks future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It is not financial advice and should not be used as the sole basis for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lake Shore Bancorp Inc
Exchange NASDAQ | Headquaters Dunkirk, NY, United States | ||
IPO Launch date 2006-04-04 | CEO, President & Director Mr. Kim C. Liddell | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 93 | Website https://lakeshoresavings.com |
Full time employees 93 | Website https://lakeshoresavings.com | ||
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW 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. Its loan portfolio consists of commercial real estate, commercial construction, commercial business loans, 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 comprising 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. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
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