Lake Shore Bancorp (LSBK)
NASDAQ:LSBK
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LSBK Stock Chart & Stats
$14.33
$0.13(0.98%)
At close: 4:00 PM EST
$14.33
$0.13(0.98%)
Day’s Range― - ―
52-Week Range$11.23 - $17.40
Previous CloseN/A
Volume1.65K
Average Volume (3M)7.55K
Market Cap
$134.75M
Enterprise Value$126.08M
Total Cash (Recent Filing)$2.95M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)15.8
Beta0.24
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.12%
Share Statistics
EPS (TTM)1.08
Shares Outstanding7,862,790
10 Day Avg. Volume12,915
30 Day Avg. Volume7,546
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)0.77
Price to Sales (P/S)2.76
P/FCF Ratio14.66
Enterprise Value/Market Cap0.94
Enterprise Value/Revenue3.13
Enterprise Value/Gross Profit4.29
Enterprise Value/Ebitda12.08
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthVery low leverage and meaningful equity growth materially strengthen loss-absorbing capacity and regulatory resilience. A near-zero debt profile and higher tangible equity provide durable capacity to fund loan growth, weather credit cycles and sustain payouts without urgent capital raises.
Improving ProfitabilitySustained margin expansion and revenue growth indicate the franchise is earning better spreads and operating more efficiently. Higher net margins increase internal capital generation, reduce sensitivity to NIM swings and support reinvestment or dividends over the medium term.
Cash Generation CapacityConsistently positive and growing free cash flow enhances financial flexibility, enabling the bank to fund lending, pay dividends and invest in operations without relying on external capital. Robust FCF underpins capital returns and buffers against short-term funding stress.
Bears Say
Moderate Return On EquityROE in the mid-single digits limits the bank’s ability to generate high shareholder returns relative to peers. Modest profitability constrains retained-earnings-driven growth, reduces cushion for reinvestment, and can make capital accumulation slower in a competitive banking environment.
Volatile Cash Flow & CoverageInconsistent cash flow and near-zero coverage periods increase uncertainty about the bank’s ability to consistently fund dividends, invest in growth, or absorb credit stress. Volatility complicates planning and weakens the signal for durable debt-servicing capacity.
Geographic & Scale ConcentrationA small branch footprint concentrated in Western New York limits diversification of loan and deposit bases, raising exposure to local economic cycles. Limited scale also constrains expense leverage and product reach versus larger regional competitors over the medium term.
Lake Shore Bancorp News
LSBK FAQ
What was Lake Shore Bancorp’s price range in the past 12 months?
Lake Shore Bancorp lowest stock price was $11.23 and its highest was $17.40 in the past 12 months.
What is Lake Shore Bancorp’s market cap?
Lake Shore Bancorp’s market cap is $134.75M.
When is Lake Shore Bancorp’s upcoming earnings report date?
Lake Shore Bancorp’s upcoming earnings report date is Jul 29, 2026 which is in 38 days.
How were Lake Shore Bancorp’s earnings last quarter?
Lake Shore Bancorp released its earnings results on Apr 22, 2026. The company reported $0.261 earnings per share for the quarter, beating the consensus estimate of N/A by $0.261.
Is Lake Shore Bancorp overvalued?
According to Wall Street analysts Lake Shore Bancorp’s price is currently Overvalued.
Does Lake Shore Bancorp pay dividends?
Lake Shore Bancorp pays a Quarterly dividend of $0.09 which represents an annual dividend yield of 2.12%. See more information on Lake Shore Bancorp dividends here
What is Lake Shore Bancorp’s EPS estimate?
Lake Shore Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Lake Shore Bancorp have?
Lake Shore Bancorp has 7,862,790 shares outstanding.
What happened to Lake Shore Bancorp’s price movement after its last earnings report?
Lake Shore Bancorp reported an EPS of $0.261 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.568%.
Which hedge fund is a major shareholder of Lake Shore Bancorp?
Currently, no hedge funds are holding shares in LSBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Lake Shore Bancorp Stock Smart Score
Neutral
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Technicals
SMA
Positive
20 days / 200 days
Momentum
43.37%
12-Months-Change
Fundamentals
Return on Equity
6.30%
Trailing 12-Months
Asset Growth
4.79%
Trailing 12-Months
Company Description
Lake Shore Bancorp
Lake Shore Bancorp, Inc. functions as the parent entity for Lake Shore Savings Bank, through which it delivers a comprehensive array of banking and financial services. The bank provides a diverse selection of deposit products, including various savings accounts (such as specialized Christmas Club accounts and standard statement savings), money market accounts, both interest-bearing and non-interest-bearing checking accounts (like demand deposits), health savings accounts, retirement savings vehicles, fixed-term certificates of deposit, and interest on lawyer accounts. These offerings cater to individual clients, as well as small to medium-sized businesses, providing them with commercial savings, checking, and money market solutions. Its lending portfolio is equally broad, featuring commercial real estate loans, financing for commercial construction projects, and home equity loans and lines of credit. Business clients can also access various commercial loans, including installment loans, lines of credit, and other tailored commercial financing. Furthermore, the bank originates one-to-four-family residential mortgages and offers consumer credit products such as personal loans, overdraft protection lines, vehicle financing, secured and unsecured property improvement loans, and loans backed by certificates of deposit. As of February 11, 2022, Lake Shore Savings Bank operated eleven full-service branches across Western New York, with five locations situated in Chautauqua County and the remaining six in Erie County. Established in 1891, the company maintains its primary office in Dunkirk, New York, and operates as a subsidiary of Lake Shore, MHC.
Technical Analysis
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Ownership Overview
7.84% Insiders
1.06% Mutual Funds
18.80% Other Institutional Investors
71.68% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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