CSIMarket
Company Name or Ticker Symbol
Search for other Categories
 
Lake Shore Bancorp, Inc.  (LSBK)
Other Ticker:  
 
    Sector  Financial    Industry S&Ls Savings Banks
   Industry S&Ls Savings Banks
   Sector  Financial
 

Lake Shore Bancorp's Customers Performance

LSBK

 
LSBK's Source of Revenues Lake Shore Bancorp's Customers have recorded a rise in their cost of revenue by 32.81 % in the 4 quarter 2018 year on year, sequentially costs of revenue were trimmed by -12.53 %, for the same period Lake Shore Bancorp, Inc. recorded revenue increase by 9.6 % year on year, sequentially revenue grew by 2.86 %.

List of LSBK Customers




Lake Shore Bancorp's Customers have recorded a rise in their cost of revenue by 32.81 % in the 4 quarter 2018 year on year, sequentially costs of revenue were trimmed by -12.53 %, for the same period Lake Shore Bancorp, Inc. recorded revenue increase by 9.6 % year on year, sequentially revenue grew by 2.86 %.

List of LSBK Customers


   
Customers Net Income grew in Q4 by Customers Net margin grew to
3.43 %



Lake Shore Bancorp's Customers, Q4 2018 Revenue Growth By Industry
Customers in Construction Services Industry      0.52 %
Customers in Miscellaneous Manufacturing Industry -26.32 %   
Customers in Auto & Truck Parts Industry -86.42 %   
Customers in Agricultural Production Industry      10.42 %
Customers in Consumer Financial Services Industry      63068.28 %
Customers in Life Insurance Industry      19.4 %
Customers in Property & Casualty Insurance Industry      0.05 %
Customers in Department & Discount Retail Industry      1.64 %
     
• Customers Valuation • Segment Rev. Growth • Segment Inc. Growth • Customers Mgmt. Effect.


Lake Shore Bancorp's Comment on Sales, Marketing and Customers


Our operations are conducted out of our corporate headquarters and main branch office in Dunkirk, New York and ten other branch offices. Our branches in Chautauqua County, New York are located in Dunkirk, Fredonia, Jamestown, Lakewood and Westfield. In Erie County, New York our branch offices are located in Depew, East Amherst, Hamburg, Kenmore, Orchard Park, and Snyder. Our first branch office in Erie County opened during April 2003 and the most recent branch office opened in April 2013. We also have seven stand-alone ATMs. The opening of six branch offices in Erie County, New York since 2003 demonstrates the implementation of our growth strategy which is focused on expansion within Erie County while preserving our market share in Chautauqua County.

Our geographic market area for loans and deposits is principally located within Chautauqua and Erie Counties, New York. Chautauqua County is located on Lake Erie in the western portion of New York and is approximately 45 miles from Buffalo, New York. Chautauqua County is served by four accredited hospitals and offers higher education opportunities at the State University of New York (SUNY) at Fredonia, a four year liberal arts school, and at SUNY Jamestown, a community college. Chautauqua County features tourist areas near Chautauqua Lake, but it also hosts a broad diversity of industry, commercial establishments and financial institutions as well as a skilled and productive workforce. Jamestown, New York, where we opened the first of two branch offices in 1996, is the most populous city in Chautauqua County.

Erie County is a metropolitan center located on the western border of New York. Located within Erie County is the city of Buffalo, the second largest city in the State of New York. As the city of Buffalo has redeveloped, so too have its suburbs throughout Erie County, which also host the Buffalo Niagara International Airport in Cheektowaga, New York and professional sports franchises. One of the main commercial thorough-fares in Erie County is Transit Road, which has experienced robust development in recent years and is the location of one of our branch offices.

The demographic characteristics of our market area are less attractive than national and state measures. Both Chautauqua and Erie Counties exhibit slower rates of population growth when compared to the United States and New York State averages. In addition, both Chautauqua and Erie Counties have lower per capita income when compared to the United States and the New York State averages. Projected growth in per capita income for Chautauqua County is expected to be slow, but Erie County is projected to have higher per capita income growth in the next five years. Since Chautauqua County has historically exhibited less attractive demographic characteristics, we may have limited growth opportunities in Chautauqua County. However, Erie County displays a stronger housing market than Chautauqua County and Erie County’s population base is five times larger than Chautauqua County, which offers us an expanded source of new customers in the form of deposit and lending opportunities. Furthermore, Erie County is currently exhibiting strong economic development and job growth. Our primary market area has historically been stable, with a diversified base of employers and employment sectors. The local economies that we serve are not dependent on one key employer. Transportation equipment is the largest manufacturing industry in the Buffalo area, as well as production of automobile component parts. The principal employment sectors are service-related, wholesale and retail trade, and durable-goods manufacturing. Most of the job opportunities in Chautauqua and Erie Counties have been in service-related industries, and service jobs now account for the largest portion of the workforce.


Lake Shore Bancorp's Comment on Sales, Marketing and Customers


Our operations are conducted out of our corporate headquarters and main branch office in Dunkirk, New York and ten other branch offices. Our branches in Chautauqua County, New York are located in Dunkirk, Fredonia, Jamestown, Lakewood and Westfield. In Erie County, New York our branch offices are located in Depew, East Amherst, Hamburg, Kenmore, Orchard Park, and Snyder. Our first branch office in Erie County opened during April 2003 and the most recent branch office opened in April 2013. We also have seven stand-alone ATMs. The opening of six branch offices in Erie County, New York since 2003 demonstrates the implementation of our growth strategy which is focused on expansion within Erie County while preserving our market share in Chautauqua County.

Our geographic market area for loans and deposits is principally located within Chautauqua and Erie Counties, New York. Chautauqua County is located on Lake Erie in the western portion of New York and is approximately 45 miles from Buffalo, New York. Chautauqua County is served by four accredited hospitals and offers higher education opportunities at the State University of New York (SUNY) at Fredonia, a four year liberal arts school, and at SUNY Jamestown, a community college. Chautauqua County features tourist areas near Chautauqua Lake, but it also hosts a broad diversity of industry, commercial establishments and financial institutions as well as a skilled and productive workforce. Jamestown, New York, where we opened the first of two branch offices in 1996, is the most populous city in Chautauqua County.

Erie County is a metropolitan center located on the western border of New York. Located within Erie County is the city of Buffalo, the second largest city in the State of New York. As the city of Buffalo has redeveloped, so too have its suburbs throughout Erie County, which also host the Buffalo Niagara International Airport in Cheektowaga, New York and professional sports franchises. One of the main commercial thorough-fares in Erie County is Transit Road, which has experienced robust development in recent years and is the location of one of our branch offices.

The demographic characteristics of our market area are less attractive than national and state measures. Both Chautauqua and Erie Counties exhibit slower rates of population growth when compared to the United States and New York State averages. In addition, both Chautauqua and Erie Counties have lower per capita income when compared to the United States and the New York State averages. Projected growth in per capita income for Chautauqua County is expected to be slow, but Erie County is projected to have higher per capita income growth in the next five years. Since Chautauqua County has historically exhibited less attractive demographic characteristics, we may have limited growth opportunities in Chautauqua County. However, Erie County displays a stronger housing market than Chautauqua County and Erie County’s population base is five times larger than Chautauqua County, which offers us an expanded source of new customers in the form of deposit and lending opportunities. Furthermore, Erie County is currently exhibiting strong economic development and job growth. Our primary market area has historically been stable, with a diversified base of employers and employment sectors. The local economies that we serve are not dependent on one key employer. Transportation equipment is the largest manufacturing industry in the Buffalo area, as well as production of automobile component parts. The principal employment sectors are service-related, wholesale and retail trade, and durable-goods manufacturing. Most of the job opportunities in Chautauqua and Erie Counties have been in service-related industries, and service jobs now account for the largest portion of the workforce.





You need to upgrade your Flash Player




LSBK's vs. Customers, Data

(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)



COMPANY NAME TICKER MARKET CAP REVENUES INCOME EMPLOYEES
Lake Shore Bancorp, Inc. LSBK 96 19 4 104
Genworth Financial Inc GNW 1,896 8,239 876 5,300
Mgic Investment Corp MTG 5,529 1,071 410 800
Mbia Inc MBI 835 429 -1,631 252
American International Group Inc AIG 42,544 48,600 -6,318 65,000
Horton D R Inc DHI 17,625 16,068 1,462 5,621
Kb Home KBH 2,970 4,547 170 1,590
Lgi Homes, Inc. LGIH 1,738 1,374 129 390
William Lyon Homes WLH 652 1,911 80 585
New Home Co Inc. NWHM 107 749 16 234
Meritage Homes Corp MTH 2,080 1,852 213 1,409
Nvr Inc NVR 13,567 6,566 601 4,300
Beazer Homes Usa Inc BZH 428 1,979 -79 1,063
Mdc Holdings Inc MDC 1,760 2,548 158 905
M I Homes Inc MHO 796 2,286 108 1,008
Hovnanian Enterprises Inc HOV 2,490 1,991 5 2,078
Toll Brothers Inc TOL 5,776 7,143 748 3,900
Lennar Corp LEN 17,004 21,459 1,579 6,825
Av Homes, Inc. AVHI 455 855 -24 214
Taylor Morrison Home Corp TMHC 2,228 3,926 189 113
Tri Pointe Group, Inc. TPH 2,005 3,263 272 1,036
Ucp, Inc. UCP -181 412 16 173
Wci Communities, Inc. WCIC 0 0 0 689
Century Communities, Inc. CCS 751 1,597 62 510
Green Brick Partners, Inc. BIOF 0 483 30 200
Calatlantic Group, Inc. CAA 6,611 2,451 172 2,850
Deer Valley Corp DVLY 0 0 0 200
Ryland Group Inc RYL 0 2,141 379 1,502
Vanjia Corporation VNJA 0 0 0 1
Nobility Homes Inc NOBH 83 44 5 129
Pricesmart Inc PSMT 1,764 3,179 67 0
Ddr Corp DDR 4,411 907 -243 589
Fresh Del Monte Produce Inc FDP 1,330 4,160 117 47,000
Winnebago Industries Inc WGO 1,154 2,060 107 2,900
Thor Industries Inc THO 3,664 7,853 374 10,450
Wmih Corp. WMIH 266 8 3 4
Arch Capital Group Ltd. ACGL 4,562 5,592 522 2,030
Essent Group Ltd. ESNT 4,532 616 424 366
Nmi Holdings, Inc. NMIH 1,795 205 39 243
Radian Group Inc. RDN 5,040 1,224 159 1,881
Drew Industries Inc DW 0 1,016 50 6,576
Horizon Global Corp HZN 69 907 -52 2,700
Tower International, Inc. TOWR 515 2,054 48 8,300
Limoneira Co LMNR 428 129 20 276
Royal Hawaiian Orchards, L.p. NNUTU 92 29 5 262
Trhf Co Limited, Inc. TRHF 0 0 0 5
SUBTOTAL 159,368 173,926 1,264 192,459


             
Economy


Advance Monthly Sales

Consumer Price Index CPI

Producer Price Index PPI

Retail Inventories

Personal Income

Gross Domestic Product GDP

Money Supply

Industrial Production

Productivity

Employment Situation

US International Trade

Factory Orders

Durable Goods

Construction Spending

Housing Starts

Vehicle Unit Sales

Stocks


Event Calendar

UMHL's Profile

Stock Price

UMHL's Financials

Business Description

Fundamentals

Charts & Quotes

UMHL's News

Suppliers

UMHL's Competitors

Customers & Markets

Economic Indicators

UMHL's Growth

Company Segments

Screening


Stock Performance

Growth Rates

Profitability

Valuation

Dividend

Financial Strength

Efficiency

Largest Companies

Management Effectivness

Industries


At a Glance

Performance

Growth Rates

Profitability

Valuation

Financial Strength

Markets


At a Glance

Stocks

Indices

Sectors & Industries

Financials

Commodities

Currencies

News


At a Glance

Stocks

Economy

Industries

Other

Help


Sitemap

Advertise

About us

Glossary


Financial Terms

Technical Analysis

Fundamental Analysis

Energy Terms

Manufacturing Terms

Transportation Terms

Health Care

Insurance Terms

Economy Terms

Hotel & Leisure Terms

CSIMarket Company, Sector, Industry, Market Analysis, Stock Quotes, Earnings, Economy, News and Research.  Free Stock Market News Feeds
   Copyright © 2019 CSIMarket, Inc. All rights reserved. This site uses cookies to make your browsing experince better. By using this site, you agree to the Terms of Service and Privacy Policy - UPDATED (Read about our Privacy Policy)

Intraday Data provided by Barchart and subject to terms of use. To view Intraday Stock Data Java must be installed. Java content may be prohibited by the security software, to see the stock quotes, choose "allow content from this page" option. Stock Price, historical and current end-of-day data provided by eoddata. Intraday data delayed per exchange requirements. S&P/Dow Jones Indices (SM) from Barchart and Eoddata. All quotes are in local exchange time. Intraday data delayed 15 minutes for Nasdaq, and other exchanges. Fundamental and financial data for Stocks, Sector, Industry, and Economic Indicators provided by CSIMarket.com
CSIMarket.com 1500 N. University Drive, Coral Springs, FL 33071