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Upturn AI SWOT - About
Lake Shore Bancorp Inc (LSBK)
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Upturn Advisory Summary
03/27/2025: 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.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 3.79% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 78.02M USD | Price to earnings Ratio 18.13 | 1Y Target Price - |
Price to earnings Ratio 18.13 | 1Y Target Price - | ||
Volume (30-day avg) 6032 | Beta 0.53 | 52 Weeks Range 9.76 - 16.95 | Updated Date 03/30/2025 |
52 Weeks Range 9.76 - 16.95 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 5.36% | Basic EPS (TTM) 0.75 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.62% | Operating Margin (TTM) 24.83% |
Management Effectiveness
Return on Assets (TTM) 0.6% | Return on Equity (TTM) 4.9% |
Valuation
Trailing PE 18.13 | Forward PE - | Enterprise Value 36997712 | Price to Sales(TTM) 3.42 |
Enterprise Value 36997712 | Price to Sales(TTM) 3.42 | ||
Enterprise Value to Revenue 4.03 | Enterprise Value to EBITDA - | Shares Outstanding 5737040 | Shares Floating 1809895 |
Shares Outstanding 5737040 | Shares Floating 1809895 | ||
Percent Insiders 66.27 | Percent Institutions 9.38 |
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. operates as the holding company for Lake Shore Savings Bank, a community-oriented financial institution. Founded in 1891, Lake Shore Savings Bank has a long history of serving the financial needs of individuals and businesses in Western New York. It evolved from a savings and loan association into a full-service bank, offering a range of deposit and loan products.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, mortgages, auto loans, and credit cards.
- Commercial Banking: Offers financial solutions to businesses, such as commercial loans, lines of credit, and treasury management services.
- Wealth Management: Provides investment and financial planning services to individuals and families.
Leadership and Structure
The leadership team includes the President and CEO, Chief Financial Officer, and other senior executives. The organizational structure consists of various departments responsible for different aspects of the bank's operations, such as lending, marketing, and compliance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages for home purchases and refinancing. Market share is difficult to pinpoint precisely but estimate in the single digits within the specific regional market they serve. Competitors include larger national banks (e.g., JPM, BAC, WFC) and regional players (e.g., KeyBank). This product contributes significantly to loan portfolio revenue.
- Commercial Loans: Provides loans to businesses for various purposes, such as working capital, equipment financing, and real estate acquisitions. Competitors are larger banks and credit unions. This product contributes significantly to the loan portfolio.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include all other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic fluctuations. Factors such as interest rates, inflation, and unemployment rates can significantly impact bank profitability.
Positioning
Lake Shore Bancorp Inc positions itself as a community bank, focusing on building relationships with local customers and providing personalized service. It aims to differentiate itself from larger national banks through its local presence and community involvement.
Total Addressable Market (TAM)
The TAM is the total banking market in Western New York. Lake Shore Bancorp Inc. targets a portion of this market through its community banking approach.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Local market knowledge
- Personalized customer service
- Experienced management team
- Established brand reputation
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Potential challenges with technology adoption
- Limited product offerings
Opportunities
- Expanding into new markets within Western New York
- Leveraging technology to improve efficiency
- Acquiring smaller community banks
- Offering new financial products and services
- Growing wealth management business
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- KEY
- CIT
Competitive Landscape
Lake Shore Bancorp Inc's advantages lie in its community focus and personalized service, while its disadvantages stem from its smaller size and limited resources compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires up to date financials. Generally, community banks experience moderate growth tied to the regional economy.
Future Projections: Analyst estimates requires access to up to date financial statements. Placeholder information is provided.
Recent Initiatives: Recent initiatives requires access to up to date financial statements. Placeholder information is provided.
Summary
Lake Shore Bancorp Inc is a community bank with a strong local presence, offering personalized service. Its size and limited geographic reach pose challenges in competing with larger national banks. Focus on improving and expanding their technologies, as well as continuing to take advantage of any wealth management opportunities in the area is vital. Risks such as economic downturns and regulatory changes could greatly impact Lake Shore Bancorp Inc.
Similar Companies
- KEY
- PFBC
- WSFS
- FHB
Sources and Disclaimers
Data Sources:
- Company filings, Industry reports, Analyst estimates (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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, 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, such as 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, online banking, direct deposit, safe deposit boxes, overdraft protection, wire, e-services, and notary 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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