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LSBK Stock Chart & Stats
$17.20
$0.00(0.00%)
At close: 4:00 PM EDT
$17.20
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$12.14 - $17.96
Previous Close$17.2
Volume9.83K
Average Volume (3M)7.55K
Market Cap
$132.66M
Enterprise Value$108.86
Total Cash (Recent Filing)$112.29M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)15.3
Beta0.24
Next Earnings
Oct 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.1%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 Strong Balance SheetZero reported total debt in the trailing twelve months and materially higher equity provide durable capital support. Low leverage increases financial flexibility, reduces funding risk, and allows the bank to underwrite loans, sustain dividends, and absorb credit shocks over a 2–6 month horizon and beyond.
Improving Revenue And MarginsSustained revenue growth and material margin expansion signal improving core profitability. Higher interest-earning assets and disciplined deposit pricing appear to be lifting net interest income, creating a firmer earnings base that is likely to persist absent major macro shocks.
Strong Free Cash Flow GenerationConsistent, sizable free cash flow relative to net income provides durable internal funding for dividends, loan growth, and operating needs. Strong FCF improves capital allocation flexibility and lowers reliance on external funding over multi-month horizons.
Bears Say
Moderate Return On EquityROE in the mid-single digits limits the bank's ability to convert its sizable equity base into superior shareholder returns. Even with strong capital, modest ROE constrains reinvestment returns and may slow per-share growth absent efficiency or yield improvements.
Margin And Cash-flow VolatilityHistorical swings in margins and operating cash flow undermine predictability of earnings and dividend coverage. Volatility complicates capital planning and provisioning, increasing execution risk for loan growth and expense normalization across a multi-month horizon.
Limited Scale And Geographic ConcentrationA compact branch footprint concentrated in Western New York and a small employee base limit diversification and scale benefits. Concentration increases sensitivity to local economic cycles and constrains wholesale funding and fee diversification versus larger regional peers.
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 $12.14 and its highest was $17.96 in the past 12 months.
What is Lake Shore Bancorp’s market cap?
Lake Shore Bancorp’s market cap is $132.66M.
When is Lake Shore Bancorp’s upcoming earnings report date?
Lake Shore Bancorp’s upcoming earnings report date is Oct 28, 2026 which is in 88 days.
How were Lake Shore Bancorp’s earnings last quarter?
Lake Shore Bancorp released its earnings results on Jul 22, 2026. The company reported $0.29 earnings per share for the quarter, beating the consensus estimate of N/A by $0.29.
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 2.1%. 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 $0.29 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.059%.
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
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9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
43.37%
12-Months-Change
Fundamentals
Return on Equity
2.10%
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
1.34% Other Institutional Investors
88.81% Public Companies and
Individual Investors