Lake Shore Bancorp (LSBK)
NASDAQ:LSBK
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Lake Shore Bancorp
(NASDAQ:LSBK)
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Rating:76Outperform
Price Target:
$18.00
▲(25.61% Upside)
Action:UpgradedDate:04/25/26
The score is driven primarily by improving financial performance—especially the significantly de-risked balance sheet and stronger 2025 profitability—partly offset by uneven free-cash-flow momentum. Technicals are positive but tempered by an overbought stochastic reading, while valuation appears reasonable with a modest dividend and corporate events provide incremental support.
Positive Factors
De-risked balance sheet and capital build
A 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.
Negative Factors
Inconsistent free cash flow momentum
Declining 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.
Read all positive and negative factors
Positive Factors
Negative Factors
De-risked balance sheet and capital build
A 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.
Read all positive factors
Lake Shore Bancorp (LSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$123.03M
Dividend Yield2.12%
Average Volume (3M)12.22K
Price to Earnings (P/E)14.6
Beta (1Y)0.29
Revenue Growth6.16%
EPS Growth67.77%
CountryUS
Employees93
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.26
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/Revenue1.57
Enterprise Value/Gross Profit2.21
Enterprise Value/Ebitda6.62
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
Lake Shore Bancorp Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Lake Shore Bancorp primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is the spread between (1) interest and fees earned on interest-earning assets—principally...
Lake Shore Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
67
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 39.55M | 38.11M | 36.39M | 29.46M | 27.85M |
| Gross Profit | 28.06M | 25.85M | 28.04M | 26.32M | 24.53M |
| EBITDA | 9.21M | 6.61M | 7.03M | 7.73M | 8.34M |
| Net Income | 7.27M | 4.93M | 4.82M | 5.71M | 6.19M |
Balance Sheet | |||||
| Total Assets | 727.32M | 685.50M | 725.12M | 699.91M | 713.74M |
| Cash, Cash Equivalents and Short-Term Investments | 116.82M | 89.63M | 114.17M | 82.68M | 156.38M |
| Total Debt | 1.33M | 10.25M | 35.25M | 37.55M | 21.95M |
| Total Liabilities | 585.68M | 595.64M | 638.85M | 618.73M | 625.76M |
| Stockholders Equity | 141.64M | 89.87M | 86.27M | 81.18M | 87.98M |
Cash Flow | |||||
| Free Cash Flow | 7.44M | 2.51M | 5.81M | 7.80M | 7.92M |
| Operating Cash Flow | 8.00M | 2.51M | 6.21M | 8.21M | 8.55M |
| Investing Cash Flow | -8.13M | 21.12M | 19.52M | -57.20M | -5.74M |
| Financing Cash Flow | 31.28M | -44.22M | 18.37M | -8.95M | 21.80M |
Lake Shore Bancorp Technical Analysis
Positive
14.33
Price Trends
15.38
Positive
15.12
Positive
13.94
Positive
Market Momentum
0.14
Negative
66.63
Neutral
96.37
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LSBK, the sentiment is Positive. The current price of 14.33 is below the 20-day moving average (MA) of 15.38, below the 50-day MA of 15.38, and above the 200-day MA of 13.94, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 66.63 is Neutral, neither overbought nor oversold. The STOCH value of 96.37 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LSBK.
Lake Shore Bancorp Risk Analysis
Lake Shore Bancorp disclosed 37 risk factors in its most recent earnings report. Lake Shore Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Lake Shore Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $114.29M | 8.83 | 9.18% | 1.81% | 8.55% | 25.21% | |
76 Outperform | $123.03M | 14.60 | 6.26% | 2.12% | 6.16% | 67.77% | |
68 Neutral | $109.65M | ― | 4.77% | 3.50% | -1.95% | -3.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $107.08M | 18.92 | 2.98% | 1.51% | 8.43% | 518.13% | |
60 Neutral | $115.35M | 9.35 | 15.47% | 6.08% | 11.37% | 29.58% | |
51 Neutral | $84.21M | -25.99 | -2.75% | 2.86% | -2.39% | -735.14% |
* Financial Sector Average
LSBK
Lake Shore Bancorp
15.92
5.17
48.08%
MGYR
Magyar Bancorp
17.40
3.56
25.70%
PBHC
Pathfinder Bancorp
13.90
-0.20
-1.39%
PROV
Provident Financial Holdings
17.16
2.39
16.19%
RVSB
Riverview Bancorp
5.18
-1.13
-17.84%
UNB
Union Bankshares
24.69
-6.87
-21.78%
Lake Shore Bancorp Corporate Events
Dividends
Lake Shore Bancorp Declares Quarterly Cash Dividend Payment
Positive
Apr 24, 2026
Lake Shore Bancorp, Inc., the Dunkirk, N.Y.-based holding company for community-focused Lake Shore Bank, operates ten full-service branches across Western New York and provides a wide array of retail and commercial lending and deposit services. It...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Lake Shore Bancorp Reaches Standstill Deal With Activist Investor
Positive
Mar 18, 2026
On March 17, 2026, Lake Shore Bancorp entered into a multiyear standstill agreement with the activist investor Stilwell Group that will run through the 2029 annual meeting, as part of which the company appointed veteran banker Dennis Pollack to th...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.