Company Information

  

Address: 31 EAST FOURTH STREET  
City: DUNKIRK 
State: NY 
Zip Code: 14048 
Telephone: 716-366-4070 

Description of Business

Primary SIC Code: 6035
(As filed with the SEC)  

Lake Shore Bancorp, Inc. ("Lake Shore Bancorp," the "Company," "us," or "we") operates as a mid-tier, federally chartered savings and loan holding company for Lake Shore Savings Bank ("Lake Shore Savings" or the "Bank"). A majority of Lake Shore Bancorp's issued and outstanding common stock (59.6% as of December 31, 2017) is held by Lake Shore, MHC (the "MHC"), a federally chartered mutual holding company, which serves as the parent company to Lake Shore Bancorp. The remaining shares of common stock are owned by public shareholders and Lake Shore Saving Bank's Employee Stock Ownership Plan ("ESOP"). Our common stock is traded on the Nasdaq Global Market under the symbol "LSBK". Unless the context otherwise requires, all references herein to Lake Shore Bancorp or Lake Shore Savings include Lake Shore Bancorp and Lake Shore Savings on a consolidated basis.  ... More ...  

Per Share Overview

Date 12-mos Rolling EPS Dividend P/E Ratio
03/20180.580.10028.94
12/20170.55NA31.18
09/20170.480.08033.33
03/20170.370.08042.10
12/20160.58NA28.05
09/20160.710.07019.06
06/20160.790.07016.49
03/20160.800.07016.61

Key Financial Ratios and Statistics

FYE: 12/31

Profitability 2017 Leverage 2017
Net Inc/Comm Equity0.14Total Liab/Total Assets0.85
Net Inc/Total Assets0.01Total Liab/Inv Cap0.85
Net Inc/Inv Cap0.01Total Liab/Comm Equity18.77
Pretax Inc/Net Sales0.21Interest Coverage Ratio9.30
Net Inc/Net Sales0.15Curr Debt/EquityNA
Cash Flow/Net Sales0.26LTD/EquityNA
SG&A/NetSales0.65Total Debt/EquityNA
Asset Utilization   Liquidity  
Net Receivables Turnover12.97Quick RatioNA
Inventory TurnoverNACurrent RatioNA
Inventory Day SalesNANet Rec/Curr AssetsNA
Net Sales/Work CapNAInv/Curr AssetsNA
Net Sales/PP&E2.35  

Income Statement (Millions)

  3/31/2018 12/31/2017 9/30/2017 6/30/2017
Total Revenues(Net Sales) 5.70 5.53 5.56 5.58
Cost of Goods Sold 0.62 0.58 0.52 0.50
Selling & Admin Exps 3.76 3.67 3.61 3.50
Operating Income NA NA NA NA
Interest Exp 0.16 0.16 0.16 0.12
Pretax Income 1.09 1.06 1.19 1.44
Other Income NA NA NA NA
Net Income Bef Extraordinary ... NA NA NA NA
Net Income 0.94 0.58 0.94 1.14

Balance Sheet (Millions)

Assets 3/31/2018 12/31/2017 9/30/2017 6/30/2017
Cash & Short Term Investments 127.60 122.97 119.11 110.50
Receivables - Total 1.95 1.80 1.83 1.63
Inventories - Total NA NA NA NA
Total Current Assets NA NA NA NA
Net Property, Plant & Equipment 9.33 9.37 9.39 9.27
Total Assets 530.08 518.98 512.76 504.92
Liabilities        
Accounts Payable NA NA NA NA
Debt in Current Liabilities NA NA NA NA
Total Current Liabilities NA NA NA NA
Long-Term Debt NA NA NA NA
Total Liabilities 451.89 440.60 434.60 427.51
Stockholder's Equity        
Minority Interest NA NA NA NA
Preferred Stock NA NA NA NA
Common Stock 0.07 0.07 0.07 0.07
Retained Earnings 56.73 56.18 55.79 55.03
Treasury Stock -7.68 -7.31 -7.31 -7.24
Total Stockholders' Equity 78.19 78.38 78.16 77.41
Total Liabilities and Stockholders' Equity 530.08 518.98 512.76 504.92

Cash Flow Summary (Millions)

Categories 3/31/2018 12/31/2017 9/30/2017 6/30/2017
Net Cash Provided by Operating Activities 0.48 1.78 1.43 1.37
Net Cash Provided by Investing Activities -5.09 -10.58 3.31 -12.56
Net Cash Provided by Financing Activities 11.24 5.34 6.66 10.27

Annual Summary Data (Millions)

Year Sales Net Income EPS
12/201320.713.740.65
12/201420.113.160.55
12/201520.293.340.56
12/201621.593.520.58
12/201722.063.380.55
Growth Rates1.60-2.53-4.09

Stock Ownership

Type Date(Q,M) No. Owners Shares Held (000s) % Own
Institutional06/30/181479913.19




Report Date : 7/16/2018

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