LSBK (Lake Shore Bancorp) Selling, General, & Admin. Expense: $12.36 Mil (TTM As of Mar. 2026)


LSBK Lake Shore Bancorp Inc LSBK
63 GF Score
Price $16.86
GF Value $14.00
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Lake Shore Bancorp Selling, General, & Admin. Expense?

Lake Shore Bancorp LSBK -0.88% 63 Selling, General, & Admin. Expense is $12.36 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.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Lake Shore Bancorp's selling, general, & admin. expense for the three months ended in Mar. 2026 was $3.39 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was $12.36 Mil.


Lake Shore Bancorp  (NAS:LSBK) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


Lake Shore Bancorp Selling, General, & Admin. Expense Related Terms


Lake Shore Bancorp Selling, General, & Admin. Expense Historical Data

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The historical data trend for Lake Shore Bancorp's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart

Lake Shore Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.78 10.84 12.95 12.34 11.97

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
Selling, General, & Admin. Expense 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 3.00 2.94 2.95 3.08 3.39

LSBK vs AFBI, CMRB, CBBI: Selling, General, & Admin. Expense Comparison

For the Banks - Regional subindustry, Lake Shore Bancorp's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, Lake Shore Bancorp's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where Lake Shore Bancorp's Selling, General, & Admin. Expense falls into.


LSBK
63GF Score
Lake Shore Bancorp Inc LSBK
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Lake Shore Bancorp Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.36 Mil.

* 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 Selling, General, & Admin. Expense of $12.36 Mil mean?
Lake Shore Bancorp (LSBK) has a Selling, General, & Admin. Expense of $12.36 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Lake Shore Bancorp and its competitors.
Is Lake Shore Bancorp's Selling, General, & Admin. Expense too high?
Lake Shore Bancorp's current Selling, General, & Admin. Expense is $12.36 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 Selling, General, & Admin. Expense compare to AFBI and CMRB?
Lake Shore Bancorp's Selling, General, & Admin. Expense of $12.36 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 Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Lake Shore Bancorp and its competitors. Lake Shore Bancorp's current Selling, General, & Admin. Expense is $12.36 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 $16.86 — trading 20.4% above its estimated fair value. The current Selling, General, & Admin. Expense is $12.36 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Selling, General, & Admin. Expense is $12.36 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 $16.86 is trading 20.4% above its estimated GF Value™ of $14.00. GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.

Key valuation signals for LSBK:

  • Selling, General, & Admin. Expense: $12.36 Mil
  • GF Value™: $14.00 vs. price of $16.86 (20.4% 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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Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.86
Price
$14.00
GF Value