Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Lake Shore BancorpLSBK -0.47%64 Cash-to-Debt is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 1.29. GuruFocus rates LSBK with a GF Score™ of 64/100 and a GF Value™ of $14.47 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,485 Banks companies, Lake Shore Bancorp ranks better than 90.44% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Lake Shore Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was No Debt (1).
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Lake Shore Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
(1) Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Lake Shore Bancorp's Cash-to-Debt or its related term are showing as below:
LSBK'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26 Med: 1.29 Max: No Debt
Current: 36.12
During the past 13 years, Lake Shore Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 0.26. And the median was 1.29.
LSBK's Cash-to-Debt is ranked better than 90.44% of 1485
companies
in the Banks industry
Industry Median: 1.4
vs LSBK: 36.12
Lake Shore Bancorp (NAS:LSBK) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Lake Shore Bancorp Cash-to-Debt Related Terms
Lake Shore Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Lake Shore Bancorp's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Lake Shore Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lake Shore Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's Cash-to-Debt falls into.
Lake Shore Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
Lake Shore Bancorp had no debt (1).
Lake Shore Bancorp's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:
Lake Shore Bancorp had no debt (1).
* 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.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Lake Shore Bancorp (LSBK) has a Cash-to-Debt of No Debt (1) as of Jun. 2026. This is 22% below median its historical median of 1.29. Over the past decade, Lake Shore Bancorp's Cash-to-Debt has ranged from 0.26 to 10,000.00. According to the industry distribution chart, Lake Shore Bancorp ranks #142 out of 1485 companies in the Banks industry, placing it in the top 9.6%.
Is Lake Shore Bancorp's Cash-to-Debt too high?
Lake Shore Bancorp's current Cash-to-Debt of No Debt (1) is 22% below median its 10-year median of 1.29. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 10,000.00. Based on the distribution chart, Lake Shore Bancorp ranks #142 out of 1485 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Lake Shore Bancorp has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lake Shore Bancorp's Cash-to-Debt compare to FFDF and CMRB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #142 out of 1485 companies for Cash-to-Debt. This places Lake Shore Bancorp in the top 10% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Historically, Lake Shore Bancorp's own Cash-to-Debt has ranged from 0.26 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current Cash-to-Debt is No Debt (1), which is 22% below median its own 10-year median of 1.29. 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 $14.47, compared to a current price of $17.12 — trading 18.3% above its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 22% below median its 10-year median of 1.29. Lake Shore Bancorp's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Cash-to-Debt is No Debt (1) as of Jun. 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 $17.12 is trading 18.3% above its estimated GF Value™ of $14.47.
GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.
Key valuation signals for LSBK:
Cash-to-Debt: No Debt (1) (22% below median its 10-year median of 1.29)
GF Value™: $14.47 vs. price of $17.12 (18.3% above fair value)
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 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.
64GF Score
Get the complete analysis for LSBK
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSBK has been successfully added to your 
