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Lake Shore Bancorp (LSBK)
NASDAQ:LSBK
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$10.04 - $15.75
Previous CloseN/A
Volume1.65K
Average Volume (3M)6.32K
Market Cap
$119.54M
Enterprise Value$39.74M
Total Cash (Recent Filing)$131.32M
Total Debt (Recent Filing)$2.00M
Price to Earnings (P/E)16.0
Beta0.41
Next Earnings
Apr 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.12%
Share Statistics
EPS (TTM)0.26
Shares Outstanding7,825,501
10 Day Avg. Volume10,997
30 Day Avg. Volume6,320
Financial Highlights & Ratios
PEG Ratio2.39
Price to Book (P/B)0.86
Price to Sales (P/S)2.03
P/FCF Ratio30.83
Enterprise Value/Market Cap0.33
Enterprise Value/Revenue1.02
Enterprise Value/Gross Profit1.43
Enterprise Value/Ebitda4.52
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
Very Conservative Balance Sheet / Low LeverageExtremely low leverage and a materially stronger equity base increase the bank's resilience to credit losses and rate shocks. Over the next several months this supports lending flexibility, regulatory cushion and capacity to sustain operations without urgent external financing.
Improving Revenue And Net MarginsSustained TTM revenue growth alongside rising operating and net margins indicates the core banking franchise is regaining profitability. This trend points to structural improvement in loan and fee income generation that can persist across the next 2–6 months if credit and deposit trends remain stable.
Stronger Cash Generation And Free Cash FlowA large rebound in operating and free cash flow, nearly matching reported earnings, signals higher earnings quality and internal funding capacity. Durable cash generation supports dividends, loan growth or capital build-up without heavy reliance on external funding in the medium term.
Bears Say
Profitability Below Earlier-cycle PeaksDespite recent improvement, profits and margins remain meaningfully below peak-cycle levels seen in 2021–2022. That structural gap limits long-term return potential and suggests the bank may face headwinds restoring prior profitability absent material revenue mix or scale changes.
Year-to-year Cash Flow VolatilityPronounced annual swings in operating and free cash flow increase uncertainty around sustaining dividends and loan funding. Volatile cash generation reduces predictability of internal capital deployment and heightens reliance on conservative buffers or external liquidity during stress periods.
Modest Return On Equity / Limited ScaleA mid-single-digit ROE reflects constrained profitability relative to larger peers and suggests limited scale. Over months this can cap shareholder returns and reinvestment capacity absent efficiency gains, higher margins, or meaningful balance-sheet expansion.
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 $10.04 and its highest was $15.75 in the past 12 months.
What is Lake Shore Bancorp’s market cap?
Lake Shore Bancorp’s market cap is $119.54M.
When is Lake Shore Bancorp’s upcoming earnings report date?
Lake Shore Bancorp’s upcoming earnings report date is Apr 29, 2026 which is in 57 days.
How were Lake Shore Bancorp’s earnings last quarter?
Lake Shore Bancorp released its earnings results on Jan 21, 2026. The company reported $0.26 earnings per share for the quarter, beating the consensus estimate of N/A by $0.26.
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 7,825,501 shares outstanding.
What happened to Lake Shore Bancorp’s price movement after its last earnings report?
Lake Shore Bancorp reported an EPS of $0.26 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.372%.
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
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
LSBK Sentiment 70%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Decreased
By 39.8K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 3.3%
Last 30 Days ▼ 3.3%
Technicals
SMA
Positive
20 days / 200 days
Momentum
39.02%
12-Months-Change
Fundamentals
Return on Equity
6.28%
Trailing 12-Months
Asset Growth
6.10%
Trailing 12-Months
Company Description
Lake Shore Bancorp
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
Technical Analysis
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Ownership Overview
5.83% Insiders
1.02% Mutual Funds
16.53% Other Institutional Investors
76.07% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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