Lake Shore Bancorp, Inc. LSBK FINANCIAL
Company Overview
Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.
Why Investors Should Care
Net profit has compounded at 47.4% per year over the last five years.
Trades at an undemanding P/E of 15.8.
Maintains a net profit margin of 28.0%.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +8.7%, earnings +16.0%.
- 5-Year Trend Long-term compounding — profit CAGR 47.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 8.70% |
Compounded Profit Growth
| 5 Years: | 47.41% |
| 1 Year: | 16.00% |
Stock Price Performance
| 1 Year: | +44.51% |
| 6 Months: | +18.16% |
| 3 Months: | +14.23% |
| 1 Month: | +5.57% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)78.24 · Overbought
P/E of 15.79 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 28.0%.
- Profit CAGR of 47.4% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- RSI at 78 suggests overbought conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | LSBK Lake Shore Bancorp, Inc. FINANCIAL | 18.00 | 15.79 | $141.37M | 1.98% | - | 7.06% | - | 47.41% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Net Income | 1.01M | 1.12M | 1.33M | 1.06M | 1.92M | 2.36M | 1.92M |
| Diluted EPS | - | 0.19 | 0.18 | 0.14 | 0.34 | 0.32 | 0.26 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Net Income | 4.93M | 7.27M |
| Diluted EPS | 0.65 | 0.97 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total Assets | - | 685.50M | 727.32M |
| Total Equity | 86.27M | 89.87M | 141.64M |
| Cash & Equivalents | - | 33.13M | 64.28M |
| Long Term Debt | - | 10.25M | 0 |
| Total Liabilities | - | 595.64M | 585.68M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Operating Cash Flow | 2.51M | 8.00M |
| Investing Cash Flow | 21.12M | -8.13M |
| Financing Cash Flow | -44.22M | 31.28M |
| Share Buybacks | 20.00K | 53.00K |
Ratios (Annual)
Figures in %.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Gross Margin % | - | - |
| Operating Margin % | - | - |
| Net Margin % | - | - |
| ROE % | 5.5% | 5.1% |
| ROCE % | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Stilwell Value LLC | 9.85% | 773.67K | $13.90M |
| 2 | Alliancebernstein L.P. | 6.44% | 505.97K | $9.09M |
| 3 | Oppenheimer & Close, LLC | 2.29% | 180.00K | $3.23M |
| 4 | Mangrove Partners IM, LLC | 1.92% | 150.59K | $2.70M |
| 5 | HBK Sorce Advisory LLC | 1.08% | 85.17K | $1.53M |
| 6 | Graham Capital Wealth Management, LLC | 0.95% | 74.54K | $1.34M |
| 7 | Peapod Lane Capital LLC | 0.89% | 70.04K | $1.26M |
| 8 | Renaissance Technologies, LLC | 0.84% | 65.64K | $1.18M |
| 9 | Dimensional Fund Advisors LP | 0.61% | 47.93K | $860.88K |
| 10 | Minerva Advisors LLC | 0.56% | 44.26K | $794.89K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for LSBK
(LSBK) and the Role of Price-Sensitive Allocations - Stock Traders Daily
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Lake Shore Bancorp (LSBK) EVP exercises 23K options, no market sale - Stock Titan
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Lake Shore Bancorp, Inc. (NASDAQ:LSBK) Looks Interesting, And It's About To Pay A Dividend - finance.yahoo.com
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Lake Shore Bancorp Declares $0.09 Per Share Quarterly Cash Dividend - Quiver Quantitative
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Lake (LSBK) Chart: Moves 0.06% Up to $17.25 on the Day; Chart View: $16.39 and $18.11 Define the Nearby Reference Levels on the Day - Ratio Spread Trade - vinanet.vn
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Lake Shore Bancorp To Go Ex-Dividend On August 3rd, 2026 With 0.09 USD Dividend Per Share - Moomoo
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LSBK — Frequently Asked Questions
What is the current share price of Lake Shore Bancorp, Inc. (LSBK)?
As of 2026-09-19 21:16 PDT, Lake Shore Bancorp, Inc. (LSBK) trades at $18.00 on NasdaqGM. Its 52-week range is $12.23 to $18.00.
What is the market capitalisation of LSBK?
Lake Shore Bancorp, Inc. (LSBK) has a market capitalisation of $141.37M on NasdaqGM.
What is the P/E ratio of LSBK?
LSBK trades at a trailing price-to-earnings (P/E) ratio of 15.79. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.91.
Does LSBK pay a dividend?
Lake Shore Bancorp, Inc. (LSBK) currently offers a dividend yield of 1.98%.
What is the return on equity (ROE) of LSBK?
LSBK has a return on equity (ROE) of 7.06%.
Is LSBK a good stock to buy?
This page provides a data-driven analysis of Lake Shore Bancorp, Inc. (LSBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.