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Last $13.77 USD
Change Today 0.00 / 0.00%
Volume 0.0
LSBK On Other Exchanges
As of 8:10 PM 08/31/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

31 East Fourth Street

Dunkirk, NY 14048

United States

Phone: 716-366-4070

Fax: 716-366-2965

Lake Shore Bancorp, Inc. operates as the holding company for Lake Shore Savings Bank that provides various banking products and services. The company is a subsidiary of Lake Shore, MHC. Market Area The company’s operations are conducted out of its corporate headquarters and main branch office in Dunkirk, New York; and 10 other branch offices. Its branches in Chautauqua County, New York are located in Dunkirk, Fredonia, Jamestown, Lakewood, and Westfield. In Erie County, New York, its branch offices are located in Depew, East Amherst, Hamburg, Kenmore, Orchard Park, and Snyder. The company also has seven ATMs. Lending Activities The company’s geographic market area for loans and deposits is principally located within Chautauqua and Erie counties, New York. The company originates residential mortgage loans, including home equity loans. It also originates commercial real estate loans, commercial business loans, and consumer loans. One- to Four-Family Residential Mortgage Lending: The company originates residential mortgage loans secured by one- to four-family properties. Its residential mortgage loan originations are obtained from customers, residents of its local communities, or referrals from local real estate agents, attorneys, and builders. One- to four-family residential mortgage loan originations are for terms of 10, 15, 20, or 30 years. The company offers adjustable rate mortgage loans with a maximum term of 30 years. The company sold loans to the State of New York Mortgage Agency during 2013. It retains all servicing rights for one- to four-family residential mortgage loans that the company sells. Home Equity Lines of Credit: The company provides all-in-one home equity lines of credit. Home equity lines of credit are made for owner-occupied homes and are secured by first or second mortgages on residences. Commercial Real Estate Loans: The company originates commercial real estate loans to finance or refinance the purchase of real property, which consists of developed real estate, such as office buildings, warehouses, retail properties, and apartment buildings, which is held as collateral for the loan. The company originates various fixed and adjustable rate commercial real estate loans for terms approximately 5 to 10 years and payments based on an amortization schedule of approximately 20 years. Construction Loans: The company originates loans to finance the construction of both one- to four-family homes and commercial real estate. These loans have a 12 month or less construction period, whereby draws are taken and interest only payments are made. Commercial Loans: In addition to commercial real estate loans, the company engages in small business commercial lending, including business installment loans, lines of credit, and other commercial loans. Majority of its commercial loans have fixed interest rates and are for terms approximately 10 years. The company offers commercial loan services designed to give business owners borrowing opportunities for modernization, inventory, equipment, construction, consolidation, real estate, working capital, vehicle purchases, and the refinancing of existing corporate debt. Consumer Loans: The company offers various consumer loans. Consumer loans, excluding overdraft lines of protection, are offered for terms of approximately 10 years, depending on the collateral, at fixed interest rates. The company’s consumer loan portfolio also consists of vehicle loans, motorcycle loans, other unsecured consumer loans up to $5,000, secured and unsecured property improvement loans, and other secured loans. The company continues to make automobile loans directly to borrowers and primarily on used vehicles. It makes other consumer loans, which might or might not be secured. Investment Activities The company’s securities portfolio consists of collateralized mortgage obligations, mortgage backed securities, asset-backed securities, the U.S. government obligations, and municipal bonds. Its mortgage backed securities are directly or indirectly insured or guaranteed by the Federal Home Loan Mortgage Corporation, the Government National Mortgage Association, or the Fe

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Valuation LSBK Industry Range
Price/Earnings 29.4x
Price/Sales 5.0x
Price/Book 1.1x
Price/Cash Flow 29.9x
TEV/Sales 2.2x

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