Lake Shore Bancorp (NASDAQ:LSBK – Get Free Report) is one of 69 publicly-traded companies in the “FIN – SVGS & LOAN” industry, but how does it weigh in compared to its peers? We will compare Lake Shore Bancorp to related companies based on the strength of its analyst recommendations, profitability, valuation, institutional ownership, earnings, risk and dividends.
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% | 6.30% | 1.11% |
| Lake Shore Bancorp Competitors | 12.20% | 4.25% | 0.85% |
Insider and Institutional Ownership
8.8% of Lake Shore Bancorp shares are held by institutional investors. Comparatively, 50.0% of shares of all “FIN – SVGS & LOAN” companies are held by institutional investors. 8.4% of Lake Shore Bancorp shares are held by company insiders. Comparatively, 9.0% of shares of all “FIN – SVGS & LOAN” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Risk & Volatility
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 26.1% 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.
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 | 13.38 |
| Lake Shore Bancorp Competitors | $279.20 million | $42.44 million | 13.41 |
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 Recommendations
This is a summary of current recommendations and price targets for Lake Shore Bancorp and its peers, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Lake Shore Bancorp | 0 | 1 | 0 | 0 | 2.00 |
| Lake Shore Bancorp Competitors | 580 | 1876 | 937 | 50 | 2.13 |
As a group, “FIN – SVGS & LOAN” companies have a potential upside of 8.90%. Given Lake Shore Bancorp’s peers stronger consensus rating and higher possible upside, analysts plainly believe Lake Shore Bancorp has less favorable growth aspects than its peers.
Summary
Lake Shore Bancorp peers beat Lake Shore Bancorp on 12 of the 15 factors compared.
About Lake Shore Bancorp
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.
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