Lake Shore Bancorp (NASDAQ:LSBK – Get Free Report) is one of 919 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its rivals? We will compare Lake Shore Bancorp to related companies based on the strength of its earnings, valuation, profitability, analyst recommendations, risk, institutional ownership and dividends.
Profitability
This table compares Lake Shore Bancorp and its rivals’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Lake Shore Bancorp | 20.62% | 5.84% | 1.15% |
| Lake Shore Bancorp Competitors | 15.64% | 9.43% | 0.93% |
Analyst Ratings
This is a breakdown of current recommendations for Lake Shore Bancorp and its rivals, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Lake Shore Bancorp | 0 | 0 | 0 | 1 | 4.00 |
| Lake Shore Bancorp Competitors | 7470 | 30209 | 27786 | 1473 | 2.35 |
As a group, “Banks” companies have a potential upside of 16.64%. Given Lake Shore Bancorp’s rivals higher probable upside, analysts plainly believe Lake Shore Bancorp has less favorable growth aspects than its rivals.
Volatility & Risk
Lake Shore Bancorp has a beta of 0.3, meaning that its share price is 70% less volatile than the S&P 500. Comparatively, Lake Shore Bancorp’s rivals have a beta of 0.61, meaning that their average share price is 39% less volatile than the S&P 500.
Insider and Institutional Ownership
8.7% of Lake Shore Bancorp shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 8.4% of Lake Shore Bancorp shares are held by company insiders. Comparatively, 9.8% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Earnings and Valuation
This table compares Lake Shore Bancorp and its rivals gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Lake Shore Bancorp | $30.24 million | $7.27 million | 16.91 |
| Lake Shore Bancorp Competitors | $222.41 billion | $2.42 billion | 20.20 |
Lake Shore Bancorp’s rivals have higher revenue and earnings than Lake Shore Bancorp. Lake Shore Bancorp is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.
Dividends
Lake Shore Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.9%. Lake Shore Bancorp pays out 32.1% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.3% and pay out 29.0% of their earnings in the form of a dividend. Lake Shore Bancorp lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.
Summary
Lake Shore Bancorp rivals 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.
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