Lake Shore Bancorp, Inc
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides retail and commercial banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club, passbook, and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts comprising 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 businesses. The company's loan portfolio consists of one-to four-family residential mortgages, home equity loans, commercial real estate loans, and construction loans; business installment loans, lines of credit, and other commercial loans; and consumer loans that include personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured and unsecured loans. As of February 6, 2020, it had 11 full-service branch locations in Western New York, including 5 locations in Chautauqua County and 6 locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC. Show More...
-
Website http://www.lakeshoresavings.com
-
Sector Financial Services
-
Industry Banks-Regional
-
Last Quote 15.69 USD
-
Last Updated 30-05-2025
-
External Links Yahoo Finance Morningstar Ratios
-
Interest Coverage
The interest coverage ratio is a debt ratio and profitability ratio used to determine how easily a company can pay interest on its outstanding debt.
Reference: Investopedia -
2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-12 2018-12 2019-12 TTM Earnings Per Share USD 0.53 0.65 0.64 0.65 0.55 0.56 0.58 0.55 0.66 0.68 0.65 Dividends USD 0.24 0.28 0.25 0.28 0.28 0.28 0.28 0.32 0.4 0.48 0.48 Payout Ratio % * 45.3 38.6 39.1 39.6 47.5 50.0 40.0 64.5 65.5 70.7 73.9 Shares Mil 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 6.0 Book Value Per Share * USD 9.27 10.61 11.32 11.05 11.64 12.22 12.7 12.82 13.12 13.92 14.24 Free Cash Flow Per Share * USD 0.57 1.05 0.86 0.79 0.71 0.75 0.66 0.54 0.79 0.97 Return on Assets % 0.67 0.76 0.75 0.78 0.65 0.69 0.73 0.67 0.75 0.71 0.66 Financial Leverage (Average) 8.68 7.64 7.2 7.39 6.81 6.41 6.43 6.62 6.84 7.37 7.5 Return on Equity % 5.5 6.18 5.54 5.66 4.61 4.59 4.69 4.38 5.06 5.03 4.75 Return on Invested Capital % Interest Coverage Current Ratio Quick Ratio Debt/Equity 0.62 0.43 0.21 0.12 0.26 0.29 0.25 0.34 0.31 0.42 0.41