Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Ticker

Industry

Sector

Lake Shore Bancorp, Inc. (LSBK)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$9.19 - $17.50$12.54
Multi-Stage$8.19 - $8.96$8.57
Blended Fair Value$10.55
Current Price$13.00
Upside-18.82%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS-3.18%6.25%0.140.000.190.140.130.170.110.100.120.08
YoY Growth--0.00%-100.00%32.84%6.27%-19.81%44.55%18.44%-16.33%45.34%3.56%
Dividend Yield--1.21%0.00%2.52%1.28%1.20%2.14%0.98%0.78%1.00%0.81%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)4.45
(-) Cash Dividends Paid (M)1.08
(=) Cash Retained (M)3.36
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)0.890.560.33
Cash Retained (M)3.363.363.36
(-) Cash Required (M)-0.89-0.56-0.33
(=) Excess Retained (M)2.472.813.03
(/) Shares Outstanding (M)7.687.687.68
(=) Excess Retained per Share0.320.370.39
LTM Dividend per Share0.140.140.14
(+) Excess Retained per Share0.320.370.39
(=) Adjusted Dividend0.460.510.54
WACC / Discount Rate9.50%9.50%9.50%
Growth Rate4.25%5.25%6.25%
Fair Value$9.19$12.54$17.50
Upside / Downside-29.29%-3.55%34.60%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)4.454.684.925.185.465.745.91
Payout Ratio24.34%37.47%50.61%63.74%76.87%90.00%92.50%
Projected Dividends (M)1.081.752.493.304.195.175.47

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.50%9.50%9.50%
Growth Rate4.25%5.25%6.25%
Year 1 PV (M)1.591.601.62
Year 2 PV (M)2.042.082.12
Year 3 PV (M)2.442.522.59
Year 4 PV (M)2.812.923.03
Year 5 PV (M)3.133.283.44
PV of Terminal Value (M)50.9553.4456.03
Equity Value (M)62.9565.8368.82
Shares Outstanding (M)7.687.687.68
Fair Value$8.19$8.57$8.96
Upside / Downside-36.96%-34.08%-31.09%

High-Yield Dividend Screener

« Prev Page 112 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
001770.KSShin Hwa Dynamics Co., Ltd.0.56%$100.052.60%
002046.SZSinomach Precision Industry Co.,Ltd.0.56%$0.2445.96%
002826.SZTibet AIM Pharm. Inc.0.56%$0.1022.59%
166090.KQHana Materials Inc.0.56%$252.3014.63%
300320.SZJiangyin Haida Rubber And Plastic Co., Ltd.0.56%$0.0514.89%
300680.SZWuxi Longsheng Technology Co.,Ltd0.56%$0.3124.96%
300758.SZAnshan Hifichem Co., Ltd.0.56%$0.0736.47%
300980.SZHubei Xiangyuan New Material Technology Inc.0.56%$0.1854.54%
301539.SZZhejiang Hongxin Technology Co Ltd0.56%$0.1228.52%
3852.TCyber Com Co., Ltd.0.56%$10.6910.27%
4062.TIbiden Co.,Ltd.0.56%$37.7014.87%
4546.TWOChaheng Precision Co., Ltd.0.56%$0.8010.69%
600917.SSChongqing Gas Group Corporation Ltd.0.56%$0.0318.46%
600961.SSZhuzhou Smelter Group Co.,Ltd.0.56%$0.099.08%
603236.SSQuectel Wireless Solutions Co., Ltd.0.56%$0.5414.56%
603596.SSBethel Automotive Safety Systems Co., Ltd0.56%$0.2913.37%
9992.HKPop Mart International Group Limited0.56%$1.0817.41%
B5A.DEBauer AG0.56%$0.035.00%
SKS.AXSKS Technologies Group Limited0.56%$0.0212.05%
002057.SZSinosteel New Materials Co., Ltd.0.55%$0.0617.87%
002217.SZHolitech Technology Co., Ltd.0.55%$0.023.01%
002664.SZChangying Xinzhi Technology Co.,Ltd.0.55%$0.1397.52%
002755.SZBeijing Aosaikang Pharmaceutical Co., Ltd.0.55%$0.0932.69%
008930.KSHanmi Science Co., Ltd.0.55%$200.1118.02%
079550.KSLIG Nex1 Co., Ltd.0.55%$2,399.7117.16%
2749.TJp-Holdings,Inc.0.55%$3.968.95%
300066.SZSanchuan Wisdom Technology Co., Ltd.0.55%$0.0326.23%
300432.SZMianyang Fulin Precision Co.,Ltd.0.55%$0.0938.06%
300666.SZKonfoong Materials International Co., Ltd0.55%$0.5126.17%
300893.SZZhejiang Songyuan Automotive Safety Systems Co.,Ltd.0.55%$0.1317.35%
300990.SZSanhe Tongfei Refrigeration Co., Ltd.0.55%$0.5032.09%
301009.SZHangzhou Coco Healthcare Products Co.,Ltd.0.55%$0.0750.41%
301207.SZHualan Biological Bacterin Inc.0.55%$0.1086.31%
307950.KSHyundai Autoever Corporation0.55%$1,814.1627.64%
600080.SSGinwa Enterprise (Group) Inc.0.55%$0.0418.56%
600278.SSOrient International Enterprise, Ltd.0.55%$0.0417.25%
600674.SSSichuan Chuantou Energy Co.,Ltd.0.55%$0.088.70%
603860.SSRoadMainT Co.,Ltd.0.55%$0.1725.44%
7730.TMani, Inc.0.55%$7.9914.66%
BHARTIHEXA.NSBharti Hexacom Limited0.55%$10.0032.42%
PERSISTENT.BOPersistent Systems Limited0.55%$34.7532.63%
PTPW.JKPT Pratama Widya Tbk0.55%$5.6911.20%
000037.SZShenzhen Nanshan Power Co., Ltd.0.54%$0.0456.70%
002278.SZShanghai SK Petroleum & Chemical Equipment Corporation Ltd.0.54%$0.0751.99%
002562.SZBrother Enterprises Holding Co.,Ltd.0.54%$0.0336.01%
002655.SZGettop Acoustic Co., Ltd.0.54%$0.0729.95%
002916.SZShennan Circuit Company Limited0.54%$1.2430.55%
0669.HKTechtronic Industries Company Limited0.54%$0.5041.01%
0RSL.LEsker S.A.0.54%$1.4126.60%
1910.HKSamsonite International S.A.0.54%$0.1150.08%