Lake Shore Bancorp, Inc. cash flow to debt ratio of 601.81% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Lake Shore Bancorp, Inc.'s free cash flow has increased 196.57% from $2.51M last year to $7.44M, signaling increasing performance

Lake Shore Bancorp, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Lake Shore Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.11 last year to 0.00 today, signaling strengthened financials

Lake Shore Bancorp, Inc. has a net cash position, so leverage is healthy.

Lake Shore Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Lake Shore Bancorp, Inc.'s profit margin has increased (60.27%) in the last year from 12.94% to 20.74%, signaling increasing performance

Lake Shore Bancorp, Inc.'s short-term assets of $64.28M exceed its short-term liabilities of $320.00K

Lake Shore Bancorp, Inc.'s return on assets of 1.16% is lower than the 5.00% threshold, indicating inefficient asset utilization

Lake Shore Bancorp, Inc.'s return on equity of 6.50%, is lower than 15.00%, indicating bad performance

Lake Shore Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Lake Shore Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Lake Shore Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Lake Shore Bancorp, Inc. has a free cash flow yield of 5.55%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Lake Shore Bancorp, Inc.'s yearly earnings has increased 47.41% since last year from $4.93M to $7.27M, signaling increasing performance

Lake Shore Bancorp, Inc.'s yearly revenue has increased 3.79% since last year from $38.11M to $39.55M, signaling increasing performance

ROIC 5.40% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Lake Shore Bancorp, Inc.'s 3-year revenue CAGR of 10.32% is positive, indicating growing revenue over the past 3 years

Lake Shore Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Lake Shore Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Lake Shore Bancorp, Inc. is undervalued relative to its fair value price of 23.20 based on Discounted Cash Flow model

Lake Shore Bancorp, Inc. has an earnings yield of 6.57%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Lake Shore Bancorp, Inc. is overvalued relative to its fair value price of 16.27 based on EBITDA multiple model

Lake Shore Bancorp, Inc. has an EV/EBITDA ratio of 2.02x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Lake Shore Bancorp, Inc. is undervalued relative to its fair value price of 23.31 based on Earnings Fair Value model

Lake Shore Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Lake Shore Bancorp, Inc. has a price-to-book ratio of 0.90x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Lake Shore Bancorp, Inc. has a price-to-sales ratio of 3.16x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue