LSBK (Lake Shore Bancorp) Net Loan: $553.88 Mil (As of Mar. 2026)


LSBK Lake Shore Bancorp Inc LSBK
63 GF Score
Price $17.17
GF Value $14.00
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Lake Shore Bancorp Net Loan?

Lake Shore Bancorp LSBK +0.94% 63 Net Loan is $553.88 Mil as of Mar. 2026. GuruFocus rates LSBK with a GF Score™ of 63/100 and a GF Value™ of $14.00 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Lake Shore Bancorp's quarterly net loan increased from Sep. 2025 ($552.61 Mil) to Dec. 2025 ($555.44 Mil) but then declined from Dec. 2025 ($555.44 Mil) to Mar. 2026 ($553.88 Mil).

Lake Shore Bancorp's annual net loan declined from Dec. 2023 ($555.83 Mil) to Dec. 2024 ($555.44 Mil) but then increased from Dec. 2024 ($555.44 Mil) to Dec. 2025 ($553.88 Mil).

Lake Shore Bancorp Net Loan Historical Data

* Premium members only.

The historical data trend for Lake Shore Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Lake Shore Bancorp Net Loan Chart

Lake Shore Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 517.21 573.54 555.83 544.62 555.44

Lake Shore Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 551.64 552.39 552.61 555.44 553.88
LSBK
63GF Score
Lake Shore Bancorp Inc LSBK
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Lake Shore Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $553.88 Mil mean?
Lake Shore Bancorp (LSBK) has a Net Loan of $553.88 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Lake Shore Bancorp and its competitors.
Is Lake Shore Bancorp's Net Loan too high?
Lake Shore Bancorp's current Net Loan is $553.88 Mil. Overall, Lake Shore Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lake Shore Bancorp's Net Loan compare to AFBI and CMRB?
Lake Shore Bancorp's Net Loan of $553.88 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Lake Shore Bancorp and its competitors. Lake Shore Bancorp's current Net Loan is $553.88 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lake Shore Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Lake Shore Bancorp (LSBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.00, compared to a current price of $17.17 — trading 22.6% above its estimated fair value. The current Net Loan is $553.88 Mil. Lake Shore Bancorp's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Net Loan is $553.88 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Lake Shore Bancorp (LSBK) Overvalued in 2026?

Based on GuruFocus' analysis, Lake Shore Bancorp stock appears to be overvalued. The current stock price of $17.17 is trading 22.6% above its estimated GF Value™ of $14.00. GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.

Key valuation signals for LSBK:

  • Net Loan: $553.88 Mil
  • GF Value™: $14.00 vs. price of $17.17 (22.6% above fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the LSBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Lake Shore Bancorp Business Description

Address 31 East Fourth Street, Dunkirk, NY, USA, 14048
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.
63GF Score

Get the complete analysis for LSBK

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.17
Price
$14.00
GF Value