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$10.91 - $16.28
Previous CloseN/A
Volume1.65K
Average Volume (3M)12.22K
Market Cap
$122.70M
Enterprise Value$61.62M
Total Cash (Recent Filing)$116.82M
Total Debt (Recent Filing)$1.33M
Price to Earnings (P/E)14.6
Beta0.29
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.12%
Share Statistics
EPS (TTM)0.96
Shares Outstanding7,863,388
10 Day Avg. Volume7,294
30 Day Avg. Volume12,220
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 Cap0.50
Enterprise Value/Revenue1.56
Enterprise Value/Gross Profit2.20
Enterprise Value/Ebitda6.58
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
De-risked Balance Sheet And Capital BuildA materially lower debt-to-equity ratio and a sizable equity increase meaningfully reduce financial risk, giving the bank durable loss-absorption capacity and strategic flexibility to support lending, weather stress, and fund initiatives without relying on volatile external financing.
Accelerating Revenue And Margin RecoverySustained revenue growth and a meaningful margin rebound reflect stronger loan demand and improved net interest spread management. This enhances the bank's persistent profit-generating ability, supporting longer-term earnings stability and capacity to reinvest in branches and credit origination.
Stable Shareholder Returns & Reduced Governance RiskA continuing quarterly dividend signals management confidence in recurring earnings and capital adequacy. The multiyear standstill plus an experienced board appointee lowers near-term governance friction and adds veteran oversight, promoting steadier strategic execution over the medium term.
Bears Say
Inconsistent Free Cash Flow MomentumDeclining and uneven free cash flow reduces the bank's reliable internal funding for loan growth, capital returns, or reserves. Over time, inconsistent FCF can constrain strategic investments, make capital planning harder, and increase reliance on deposit mix or external funding in stress periods.
Modest Returns On EquityA low ROE relative to capital levels suggests the bank currently generates only modest profit per dollar of equity. With equity materially higher, sustaining attractive shareholder returns will require higher margins, efficiency gains, or faster asset growth to lift long-term profitability.
Historical Margin VolatilityPast swings in margins indicate earnings sensitivity to funding costs, loan mix, and interest-rate cycles. This structural variability raises the risk that recent margin improvements could reverse if spreads compress or credit trends shift, complicating multi-quarter profit predictability.
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 $10.91 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 $122.70M.
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 81 days.
How were Lake Shore Bancorp’s earnings last quarter?
Lake Shore Bancorp released its earnings results on Apr 22, 2026. The company reported $0.26 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 7,863,388 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 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
Blogger Sentiment
Bullish
LSBK Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 39.8K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 3.4%
Last 30 Days ▼ 3.4%
Technicals
SMA
Positive
20 days / 200 days
Momentum
51.60%
12-Months-Change
Fundamentals
Return on Equity
7.01%
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
11.04% Other Institutional Investors
79.48% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---