LSBK (Lake Shore Bancorp) Total Liabilities: $579.63 Mil (As of Mar. 2026)


LSBK Lake Shore Bancorp Inc LSBK
63 GF Score
Price $17.28
GF Value $14.03
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Lake Shore Bancorp Total Liabilities?

Lake Shore Bancorp LSBK +2.76% 63 Total Liabilities is $579.63 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 Total Liabilities for the quarter that ended in Mar. 2026 was $579.63 Mil.

Lake Shore Bancorp's quarterly Total Liabilities declined from Sep. 2025 ($603.50 Mil) to Dec. 2025 ($585.68 Mil) and declined from Dec. 2025 ($585.68 Mil) to Mar. 2026 ($579.63 Mil).

Lake Shore Bancorp's annual Total Liabilities declined from Dec. 2023 ($638.85 Mil) to Dec. 2024 ($595.64 Mil) and declined from Dec. 2024 ($595.64 Mil) to Dec. 2025 ($585.68 Mil).

Lake Shore Bancorp Total Liabilities Historical Data

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The historical data trend for Lake Shore Bancorp's Total Liabilities 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 Total Liabilities Chart

Lake Shore Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 625.76 618.73 638.85 595.64 585.68

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
Total Liabilities 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 598.33 641.95 603.50 585.68 579.63
LSBK
63GF Score
Lake Shore Bancorp Inc LSBK
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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Lake Shore Bancorp Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

Lake Shore Bancorp's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=727.323-141.639
=585.68

Lake Shore Bancorp's Total Liabilities for the quarter that ended in Mar. 2026 is calculated as

Total Liabilities=Total Assets (Q: Mar. 2026 )-Total Equity (Q: Mar. 2026 )
=722.011-142.378
=579.63

* 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.

Frequently Asked Questions Learn more about Total Liabilities →
What does a Total Liabilities of $579.63 Mil mean?
Lake Shore Bancorp (LSBK) has a Total Liabilities of $579.63 Mil as of Mar. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Lake Shore Bancorp and its competitors.
Is Lake Shore Bancorp's Total Liabilities too high?
Lake Shore Bancorp's current Total Liabilities is $579.63 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 Total Liabilities compare to BBNA and CCNB?
Lake Shore Bancorp's Total Liabilities of $579.63 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 Total Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Lake Shore Bancorp and its competitors. Lake Shore Bancorp's current Total Liabilities is $579.63 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 $17.28 — trading 23.2% above its estimated fair value. The current Total Liabilities is $579.63 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Total Liabilities is $579.63 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 $17.28 is trading 23.2% above its estimated GF Value™ of $14.03. GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.

Key valuation signals for LSBK:

  • Total Liabilities: $579.63 Mil
  • GF Value™: $14.03 vs. price of $17.28 (23.2% 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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Total Liabilities is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.28
Price
$14.03
GF Value