Lake Shore Bancorp (LSBK) vs. Its Peers Head-To-Head Comparison

Lake Shore Bancorp (NASDAQ:LSBK) is one of 69 public companies in the “FIN – SVGS & LOAN” industry, but how does it compare to its peers? We will compare Lake Shore Bancorp to related companies based on the strength of its dividends, valuation, risk, institutional ownership, earnings, analyst recommendations and profitability.

Institutional and Insider Ownership

8.8% of Lake Shore Bancorp shares are owned by institutional investors. Comparatively, 50.0% of shares of all “FIN – SVGS & LOAN” companies are owned by institutional investors. 8.4% of Lake Shore Bancorp shares are owned by company insiders. Comparatively, 9.0% of shares of all “FIN – SVGS & LOAN” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Lake Shore Bancorp and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Lake Shore Bancorp	20.23%	6.53%	1.11%
Lake Shore Bancorp Competitors	12.14%	4.24%	0.85%

Earnings & Valuation

This table compares Lake Shore Bancorp and its peers top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Lake Shore Bancorp	$29.01 million	$7.27 million	13.54
Lake Shore Bancorp Competitors	$279.20 million	$42.61 million	14.07

Lake Shore Bancorp’s peers have higher revenue and earnings than Lake Shore Bancorp. Lake Shore Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Analyst Ratings

This is a summary of recent ratings for Lake Shore Bancorp and its peers, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Lake Shore Bancorp	0	1	0	0	2.00
Lake Shore Bancorp Competitors	578	1865	934	50	2.13

As a group, “FIN – SVGS & LOAN” companies have a potential upside of 4.95%. Given Lake Shore Bancorp’s peers stronger consensus rating and higher probable upside, analysts clearly believe Lake Shore Bancorp has less favorable growth aspects than its peers.

Dividends

Lake Shore Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.3%. Lake Shore Bancorp pays out 30.5% of its earnings in the form of a dividend. As a group, “FIN – SVGS & LOAN” companies pay a dividend yield of 2.5% and pay out 26.3% of their earnings in the form of a dividend. Lake Shore Bancorp lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.

Volatility and Risk

Lake Shore Bancorp has a beta of 0.32, indicating that its stock price is 68% less volatile than the S&P 500. Comparatively, Lake Shore Bancorp’s peers have a beta of -0.40, indicating that their average stock price is 140% less volatile than the S&P 500.

Summary

Lake Shore Bancorp peers beat Lake Shore Bancorp on 11 of the 15 factors compared.

Lake Shore Bancorp Company Profile

Lake Shore Bancorp, Inc. operates as a savings and loan holding company for Lake Shore Servings Bank. It offers personal services such as checking, savings, lending, banking, debit card, e-services, and online banking; and business services including deposit products, commercial loans, and business e-statements. The company was founded in 2006 and is headquartered in Dunkirk, NY.