LSBK (Lake Shore Bancorp) Long-Term Debt: $0.00 Mil (As of Mar. 2026)


LSBK Lake Shore Bancorp Inc LSBK
63 GF Score
Price $17.81
GF Value $14.03
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Lake Shore Bancorp Long-Term Debt?

Lake Shore Bancorp LSBK +5.45% 63 Long-Term Debt is $0.00 Mil as of Mar. 2026. GuruFocus rates LSBK with a GF Score™ of 63/100 and a GF Value™ of $14.03 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Lake Shore Bancorp's Long-Term Debt for the quarter that ended in Mar. 2026 was $0.00 Mil.

Lake Shore Bancorp's quarterly Long-Term Debt declined from Sep. 2025 ($2.00 Mil) to Dec. 2025 ($0.00 Mil) but then stayed the same from Dec. 2025 ($0.00 Mil) to Mar. 2026 ($0.00 Mil).

Lake Shore Bancorp's annual Long-Term Debt declined from Dec. 2023 ($35.25 Mil) to Dec. 2024 ($10.25 Mil) and declined from Dec. 2024 ($10.25 Mil) to Dec. 2025 ($0.00 Mil).

Lake Shore Bancorp  (NAS:LSBK) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Lake Shore Bancorp Long-Term Debt Related Terms

Lake Shore Bancorp Long-Term Debt Historical Data

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The historical data trend for Lake Shore Bancorp's Long-Term 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.

Lake Shore Bancorp Long-Term Debt Chart

Lake Shore Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.95 24.95 35.25 10.25 0.00

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
Long-Term Debt 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 4.00 2.00 2.00 0.00 0.00
LSBK
63GF Score
Lake Shore Bancorp Inc LSBK
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $0.00 Mil mean?
Lake Shore Bancorp (LSBK) has a Long-Term Debt of $0.00 Mil as of Mar. 2026.
Is Lake Shore Bancorp's Long-Term Debt too high?
Lake Shore Bancorp's current Long-Term Debt is $0.00 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 Long-Term Debt compare to AFBI and CMRB?
Lake Shore Bancorp's Long-Term Debt of $0.00 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Lake Shore Bancorp's current Long-Term Debt is $0.00 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 $14.03, compared to a current price of $17.81 — trading 26.9% above its estimated fair value. The current Long-Term Debt is $0.00 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Long-Term Debt is $0.00 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 $17.81 is trading 26.9% above its estimated GF Value™ of $14.03. GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.

Key valuation signals for LSBK:

  • Long-Term Debt: $0.00 Mil
  • GF Value™: $14.03 vs. price of $17.81 (26.9% 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

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

$17.81
Price
$14.03
GF Value