Business Description
Lake Shore Bancorp Inc
NAICS : 522180
SIC : 6035
ISIN : US5107041098
Total Employee Number:
98Description
Lake Shore Bancorp Inc operates as a savings and loan holding company. The bank's business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, in commercial real estate loans, one-to-four family residential mortgage loans, home equity lines of credit, and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its revenues are principally derived from interest earned on loans and investment securities.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 30.8 | |||||
Equity-to-Asset | 0.2 | |||||
Debt-to-Equity | 0.01 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 9/9 | |||||
Beneish M-Score | -2.09 | |||||
WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -7 | |||||
3-Year FCF Growth Rate | -9.3 | |||||
3-Year Book Growth Rate | 8.3 |
Momentum Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 62 | |||||
9-Day RSI | 56.8 | |||||
14-Day RSI | 56.51 | |||||
3-1 Month Momentum % | 5.14 | |||||
6-1 Month Momentum % | 9.18 | |||||
12-1 Month Momentum % | 38.6 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.1 | |||||
Dividend Payout Ratio | 0.23 | |||||
3-Year Dividend Growth Rate | -19.1 | |||||
Forward Dividend Yield % | 2.1 | |||||
5-Year Yield-on-Cost % | 2.1 | |||||
3-Year Average Share Buyback Ratio | -11.2 | |||||
Shareholder Yield % | -22.54 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 28.04 | |||||
FCF Margin % | 33.27 | |||||
OCF Margin % | 34.71 | |||||
ROE % | 6.7 | |||||
ROA % | 1.12 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 14.54 | |||||
PE Ratio without NRI | 14.54 | |||||
Shiller PE Ratio | 18.53 | |||||
Price-to-Owner-Earnings | 13.83 | |||||
PEG Ratio | 4.04 | |||||
PS Ratio | 4.07 | |||||
PB Ratio | 0.95 | |||||
Price-to-Tangible-Book | 0.95 | |||||
Price-to-Free-Cash-Flow | 12.55 | |||||
Price-to-Operating-Cash-Flow | 11.92 | |||||
EV-to-Revenue | 2.6 | |||||
EV-to-FCF | 7.8 | |||||
Price-to-GF-Value | 1.23 | |||||
Price-to-Projected-FCF | 0.72 | |||||
Price-to-Median-PS-Value | 1.07 | |||||
Price-to-Graham-Number | 0.78 | |||||
FCF Yield % | 7.15 | |||||
Forward Rate of Return (Yacktman) % | 10.22 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
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Annualized Return % Â
Total Annual Return % Â
Lake Shore Bancorp Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 29.011 | ||
| EPS (TTM) ($) | 1.18 | ||
| Beta | 0.5331 | ||
| 3-Year Sharpe Ratio | 0.67 | ||
| 3-Year Sortino Ratio | 1.02 | ||
| Volatility % | 31.13 | ||
| 14-Day RSI | 56.51 | ||
| 14-Day ATR ($) | 0.327651 | ||
| 20-Day SMA ($) | 17.103 | ||
| 12-1 Month Momentum % | 38.6 | ||
| 52-Week Range ($) | 12 - 17.96 | ||
| Shares Outstanding (Mil) | 7.86 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 9 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Lake Shore Bancorp Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Lake Shore Bancorp Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Fourth quarter earnings results for 2026 | 2027-01-21 | In 180 days | ||
| Third quarter earnings results for 2026 | 2026-10-22 | In 89 days | ||
| USD 0.090000 Cash Dividend | 2026-08-03 | In 9 days | ||
| Second quarter earnings results for 2026 | 2026-07-22 | 16.93 (+0.00%) | ||
| General meeting for 2026 | 2026-05-21 08:30 | 15.73 (-0.69%) | ||
| USD 0.090000 Cash Dividend | 2026-05-04 | 15.98 (-0.59%) | ||
| First quarter earnings results for 2026 | 2026-04-22 | 15.95 (+1.53%) | ||
| Annual report for 2025 | 2026-03-17 | 15.26 (-0.72%) | ||
| USD 0.090000 Cash Dividend | 2026-02-02 | 15.31 (+0.26%) | ||
| Fourth quarter earnings results for 2025 | 2026-01-21 | 15.17 (+0.07%) |
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Lake Shore Bancorp Inc Frequently Asked Questions
What is Lake Shore Bancorp Inc(LSBK)'s stock price today?
The current price of LSBK is $17.16. The 52 week high of LSBK is $17.96 and 52 week low is $12.00.
When is next earnings date of Lake Shore Bancorp Inc(LSBK)?
The next earnings date of Lake Shore Bancorp Inc(LSBK) is 2026-10-22 Est..
Does Lake Shore Bancorp Inc(LSBK) pay dividends? If so, how much?
The Dividend Yield %  of Lake Shore Bancorp Inc(LSBK) is 2.1% (As of Today), Highest Dividend Payout Ratio of Lake Shore Bancorp Inc(LSBK) was 0.83. The lowest was 0.23. And the median was 0.61. The  Forward Dividend Yield % of Lake Shore Bancorp Inc(LSBK) is 2.1%. For more information regarding to dividend, please check our Dividend Page.
Guru Commentaries on NAS:LSBK
No articles.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Lake Shore Bancorp Inc
No articles.
Headlines
See More- 1
Jul 24, 2026
Lake Shore Bancorp declares $0.09 dividend
Seeking Alpha • 7:50am
Jul 22, 2026
Lake Shore Bancorp GAAP EPS of $0.29, revenue of $7.64M
Seeking Alpha • 3:50pm
- 1
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