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 114 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
002026.SZShandong Weida Machinery Co., Ltd.0.51%$0.0810.33%
005290.KQDongjin Semichem Co., Ltd.0.51%$201.318.88%
042670.KSHD Hyundai Infracore Co., Ltd.0.51%$69.8029.90%
043150.KQValue Added Technology Co., Ltd.0.51%$100.023.01%
098460.KQKoh Young Technology Inc.0.51%$138.2152.02%
300115.SZShenzhen Everwin Precision Technology Co., Ltd.0.51%$0.2450.31%
300473.SZFuxin Dare Automotive Parts Co., Ltd.0.51%$0.1526.00%
300650.SZTecnon Electronics Co., Ltd.0.51%$0.0833.85%
300722.SZJiangxi Xinyu Guoke Technology Co., Ltd0.51%$0.1880.85%
300930.SZHangzhou Yitong New Material Co., Ltd.0.51%$0.1526.67%
301000.SZShanghai Hajime Advanced Material Technology Co., Ltd.0.51%$0.2033.61%
301012.SZJiangsu Yangdian Science & Technology Co. Ltd.0.51%$0.1451.85%
3387.TCreate Restaurants Holdings Inc.0.51%$3.9930.05%
4050.SRSaudi Automotive Services Company0.51%$0.2938.33%
600506.SSTongyi Carbon Neutral Energy (Xinjiang) Co., Ltd. Class A0.51%$0.1347.25%
601696.SSBOC International (China) Co. Ltd.0.51%$0.0819.18%
603063.SSShenzhen Hopewind Electric Co., Ltd.0.51%$0.1714.73%
603160.SSShenzhen Goodix Technology Co., Ltd.0.51%$0.4122.46%
603300.SSZhejiang Haikong Nanke Huatie Digital Technology Co., Ltd. Class A0.51%$0.0412.23%
603738.SSTKD Science and Technology Co.,Ltd.0.51%$0.0880.55%
688088.SSArcSoft Corporation Limited0.51%$0.2543.82%
CENCOSUD.SNCencosud S.A.0.51%$15.0611.46%
KIN2.DEKinross Gold Corporation0.51%$0.128.34%
MSZ.WAMostostal Zabrze S.A.0.51%$0.035.90%
VCAP.LVector Capital Plc0.51%$0.0573.28%
000534.SZWedge Industrial Co.,Ltd.0.50%$0.1125.25%
000977.SZInspur Electronic Information Industry Co., Ltd.0.50%$0.3319.71%
002400.SZGuangdong Advertising Group Co.,Ltd0.50%$0.0473.00%
002806.SZGuangdong Huafeng New Energy Technology Co.,Ltd.0.50%$0.0619.01%
003043.SZSuzhou Huaya Intelligence Technology Co., Ltd.0.50%$0.2348.11%
042700.KSHANMI Semiconductor Co., Ltd.0.50%$717.1028.27%
0GOX.LPolytec Holding AG0.50%$0.0214.11%
0YAY.LVitrolife AB (publ)0.50%$1.1033.79%
1730.HKLHN Limited0.50%$0.0219.85%
2316.TWWUS Printed Circuit Co., Ltd.0.50%$0.506.30%
300443.SZJinlei Technology Co., Ltd.0.50%$0.1413.60%
600834.SSShanghai Shentong Metro Co.,Ltd.0.50%$0.0456.35%
603928.SSSuzhou Xingye Materials Technology Co.,Ltd.0.50%$0.0826.88%
605376.SSJiangsu Boqian New Materials Stock Co., Ltd.0.50%$0.3255.13%
6641.TNissin Electric Co., Ltd.0.50%$8.497.92%
688169.SSBeijing Roborock Technology Co., Ltd.0.50%$0.7612.76%
688798.SSShanghai Awinic Technology Co.,Ltd.0.50%$0.3824.95%
AMAN.JKPT Makmur Berkah Amanda Tbk0.50%$1.005.46%
ELOS-B.STElos Medtech AB (publ)0.50%$1.0114.74%
EXPL.PAEPC Groupe0.50%$1.044.79%
RHM.DERheinmetall AG0.50%$7.9744.89%
TFPMTriple Flag Precious Metals Corp.0.50%$0.1616.49%
000722.SZHunan Development Group Co.,Ltd0.49%$0.0637.76%
002126.SZZhejiang Yinlun Machinery Co.,Ltd.0.49%$0.1918.19%
002228.SZXiamen Hexing Packaging Printing Co., Ltd.0.49%$0.0224.24%