Lake Shore Bancorp (LSBK)
NASDAQ:LSBK
Want to see LSBK full AI Analyst Report?
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 - $16.28
Previous CloseN/A
Volume1.65K
Average Volume (3M)7.55K
Market Cap
$120.50M
Enterprise Value$119.40M
Total Cash (Recent Filing)$2.95M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)14.1
Beta0.26
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 Ratio0.31
Price to Book (P/B)0.77
Price to Sales (P/S)2.76
P/FCF Ratio14.66
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue2.97
Enterprise Value/Gross Profit4.06
Enterprise Value/Ebitda11.44
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 StrengthLake Shore’s shift to effectively zero total debt and a meaningful increase in equity to roughly $142M materially improves solvency and capital buffers. This reduces refinancing and liquidity risk, supports dividend capacity and loan growth, and enhances resilience through economic cycles.
Improving Profitability And MarginsSustained expansion in net and operating margins to ~20% TTM shows stronger net interest income management and cost discipline. Higher margins create durable earnings power, improve internal capital generation, and raise the firm’s ability to absorb credit losses or fund strategic initiatives over the medium term.
Low Credit Losses & Stable FranchiseVery low non-performing assets and minimal charge-offs, combined with conservative funding (no brokered deposits or FHLB borrowings), indicate disciplined underwriting and stable deposit funding. These traits support predictable credit performance and enable steady local lending and dividend continuity.
Bears Say
Moderate Returns On EquityReturns on equity in the mid-single digits imply limited efficiency in converting capital into profits relative to peers. Persistently modest ROE constrains internal capital accumulation, limits room for rapid growth investments, and may pressure long-term shareholder return if not improved.
Volatile Cash Flow CoverageAlthough TTM free cash flow is healthy, historical volatility and inconsistent coverage metrics signal earnings and cash conversion risk. Variable cash flow can limit the bank’s capacity to fund growth, absorb shocks, or sustainably increase dividends without relying on capital actions.
Limited Scale And Geographic ConcentrationA ten-branch, single-region footprint concentrates credit and deposit exposure in Western New York, limiting diversification and scale economies. This constrains fee diversification, makes growth dependent on local market trends, and raises sensitivity to regional economic downturns.
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 $16.28 in the past 12 months.
What is Lake Shore Bancorp’s market cap?
Lake Shore Bancorp’s market cap is $120.50M.
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 59 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
1
2
3
4
5
6
7
8
9
10
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. 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
Magyar Bancorp
―
Pathfinder Bancorp
―
Provident Financial Holdings
―
Riverview Bancorp
―
Union Bankshares
―
Ownership Overview
7.83% Insiders
1.06% Mutual Funds
18.80% Other Institutional Investors
71.73% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---