Lake Shore Bancorp
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
24.6523.5027.8431.0222.8122.4616.9814.1712.4314.2217.9422.46
Price/Sales ratio
4.644.475.075.394.474.253.373.482.622.442.184.25
Price/Book Value ratio
1.081.061.281.331.141.100.900.990.870.790.841.10
Price/Cash Flow ratio
17.9115.8122.7917.9814.9215.7313.8110.258.7211.05107.1614.92
Price/Free Cash Flow ratio
20.9217.4225.5724.1017.2318.2714.8711.069.1811.79-6.3418.27
Price/Earnings Growth ratio
-1.476.4615.86-5.991.147.411.280.38-1.63-0.91-1.127.41
Dividend Yield
0.75%0.77%0.90%0.70%0.96%1.38%1.31%1.23%2.02%N/A4.03%0.96%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
22.21%23.11%22.23%23.48%40.11%21.99%23.47%29.68%31.16%22.15%63.19%40.11%
Pretax Profit Margin
22.21%23.11%22.23%23.48%22.46%21.99%23.47%29.68%25.40%22.18%15.72%21.99%
Net Profit Margin
18.83%19.03%18.21%17.38%19.60%18.95%19.88%24.56%21.10%17.19%12.19%18.95%
Effective Tax Rate
15.22%17.66%18.06%25.96%12.75%13.81%15.31%17.23%16.91%22.49%22.43%12.75%
Return on Assets
0.64%0.70%0.71%0.65%0.73%0.66%0.66%0.86%0.81%0.66%0.60%0.66%
Return On Equity
4.40%4.51%4.62%4.31%5.01%4.93%5.30%7.03%7.03%5.58%4.81%4.93%
Return on Capital Employed
0.76%0.85%1.44%1.48%2.63%1.38%1.58%2.28%1.22%0.85%3.12%2.63%
Liquidity Ratios
Current Ratio
0.090.090.110.090.060.061.44N/AN/AN/AN/A0.06
Quick Ratio
N/AN/A0.780.660.560.500.490.591.98N/AN/A0.50
Cash ratio
N/AN/A0.230.190.050.110.120.170.76N/AN/A0.11
Days of Sales Outstanding
6.23K6.21K6.20K6.89K34.2136.4447.5535.98N/AN/A5.73K34.21
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A5.73KN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A5.73KN/A
Debt Ratios
Debt Ratio
0.030.040.030.050.040.050.040.030.050.010.010.05
Debt Equity Ratio
0.260.280.240.340.300.410.340.240.460.110.110.41
Long-term Debt to Capitalization
0.200.220.190.250.230.290.250.190.230.100.100.29
Total Debt to Capitalization
0.200.220.190.250.230.290.250.190.310.100.100.29
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A1.22N/AN/AN/A2.02N/A
Cash Flow to Debt Ratio
0.220.230.220.210.240.160.180.380.210.600.060.16
Company Equity Multiplier
6.806.406.436.626.837.377.988.118.628.407.766.83
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.250.280.220.290.290.270.240.330.300.220.020.27
Free Cash Flow / Operating Cash Flow Ratio
0.850.900.890.740.860.860.920.920.950.93-16.900.86
Cash Flow Coverage Ratio
0.220.230.220.210.240.160.180.380.210.600.060.16
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A0.64N/AN/AN/A
Dividend Payout Ratio
18.68%18.30%25.26%21.99%22%31.12%22.37%17.52%25.22%N/A17.14%31.12%