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Lake Shore Bancorp
(NASDAQ:LSBK)
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Rating:75Outperform
Price Target:
$21.00
â–²(22.09% Upside)
Action:Reiterated
Date:10/24/26
The score is driven primarily by improved TTM financial performance and a very conservative balance sheet with minimal leverage. Technicals also support the rating with a clear uptrend across key moving averages and positive MACD, though near-term momentum looks somewhat stretched. Valuation and dividend are reasonable but not exceptionally compelling, and the only notable corporate news (dividend declaration) is supportive but incremental.
Positive Factors
Revenue and Profitability Rebound
The sharp TTM revenue rebound, together with stronger net and operating margins, indicates improved earnings power and business momentum. If sustained, this combination can strengthen internal capital generation, support continued lending activity, and improve resilience across the next several quarters.
Negative Factors
Cyclical Profitability
The history of margin peaks and troughs indicates that recent profitability may not be fully structural. Earnings remain sensitive to the rate and credit environment, so a less favorable banking backdrop could weaken margins and reduce the durability of the current earnings rebound.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profitability Rebound
The sharp TTM revenue rebound, together with stronger net and operating margins, indicates improved earnings power and business momentum. If sustained, this combination can strengthen internal capital generation, support continued lending activity, and improve resilience across the next several quarters.
Read all positive factors
Lake Shore Bancorp (LSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$146.16M
Dividend Yield1.93%
Average Volume (3M)29.40K
Price to Earnings (P/E)16.6
Beta (1Y)0.26
Revenue Growth4.31%
EPS Growth24.16%
CountryUS
Employees93
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.12
Shares Outstanding7,853,788
10 Day Avg. Volume23,780
30 Day Avg. Volume29,402
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)0.77
Price to Sales (P/S)2.76
P/FCF Ratio14.66
Enterprise Value/Market Cap0.88
Enterprise Value/Revenue3.18
Enterprise Value/Gross Profit4.29
Enterprise Value/Ebitda11.94
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Lake Shore Bancorp Business Overview & Revenue Model
Company Description
Lake Shore Bancorp, Inc. functions as the parent entity for Lake Shore Savings Bank, through which it delivers a comprehensive array of banking and financial services. The bank provides a diverse selection of deposit products, including various sa...
How the Company Makes Money
LSBK primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating non-interest income, while also managing credit costs and operating expenses.
1) Net interest income (core earnings driver): The bank ...
Lake Shore Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 40.45M | 39.55M | 38.11M | 36.39M | 29.46M | 27.85M |
| Gross Profit | 29.99M | 28.06M | 25.85M | 28.04M | 26.32M | 24.53M |
| EBITDA | 10.78M | 9.21M | 6.61M | 7.03M | 7.73M | 8.34M |
| Net Income | 8.39M | 7.27M | 4.93M | 4.82M | 5.71M | 6.19M |
Balance Sheet | ||||||
| Total Assets | 736.65M | 727.32M | 685.50M | 725.12M | 699.91M | 713.74M |
| Cash, Cash Equivalents and Short-Term Investments | 56.64M | 116.82M | 89.63M | 114.17M | 82.68M | 156.38M |
| Total Debt | 0.00 | 1.33M | 10.25M | 35.25M | 37.55M | 21.95M |
| Total Liabilities | 591.89M | 585.68M | 595.64M | 638.85M | 618.73M | 625.76M |
| Stockholders Equity | 144.76M | 141.64M | 89.87M | 86.27M | 81.18M | 87.98M |
Cash Flow | ||||||
| Free Cash Flow | 10.51M | 7.44M | 2.51M | 5.81M | 7.80M | 7.92M |
| Operating Cash Flow | 10.62M | 8.00M | 2.51M | 6.21M | 8.21M | 8.55M |
| Investing Cash Flow | -3.02M | -8.13M | 21.12M | 19.52M | -57.20M | -5.74M |
| Financing Cash Flow | -10.72M | 31.28M | -44.22M | 18.37M | -8.95M | 21.80M |
Lake Shore Bancorp Technical Analysis
Positive
17.20
Price Trends
17.85
Positive
17.32
Positive
16.33
Positive
Market Momentum
0.14
Negative
59.19
Neutral
91.67
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LSBK, the sentiment is Positive. The current price of 17.2 is below the 20-day moving average (MA) of 18.13, below the 50-day MA of 17.85, and above the 200-day MA of 16.33, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 59.19 is Neutral, neither overbought nor oversold. The STOCH value of 91.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LSBK.
Lake Shore Bancorp Risk Analysis
Lake Shore Bancorp disclosed 37 risk factors in its most recent earnings report. Lake Shore Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Lake Shore Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $146.16M | 16.62 | 7.78% | 1.93% | 4.31% | 24.16% | |
75 Outperform | $128.46M | 10.47 | 9.59% | 1.91% | 7.51% | 20.96% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $113.46M | 17.67 | 5.23% | 3.08% | -0.79% | 11.59% | |
60 Neutral | $113.93M | 8.76 | 15.07% | 6.25% | 3.17% | 5.55% | |
58 Neutral | $104.98M | -26.43 | -1.08% | 2.43% | -7.07% | -307.72% | |
55 Neutral | $121.02M | -31.72 | -2.50% | 1.32% | -11.21% | -176.24% |
* Financial Sector Average
LSBK
Lake Shore Bancorp
18.61
5.42
41.11%
MGYR
Magyar Bancorp
19.90
3.50
21.37%
PBHC
Pathfinder Bancorp
16.72
2.06
14.09%
PROV
Provident Financial Holdings
18.20
3.02
19.91%
RVSB
Riverview Bancorp
6.07
0.96
18.83%
UNB
Union Bankshares
23.04
0.05
0.23%
Lake Shore Bancorp Corporate Events
Dividends
Lake Shore Bancorp Declares Quarterly Cash Dividend
Positive
Oct 23, 2026
On October 21, 2026, Lake Shore Bancorp, Inc.’s board of directors declared a cash dividend of $0.09 per share on its outstanding common stock, underscoring the company’s continued practice of returning capital to shareholders. The div...
Dividends
Lake Shore Bancorp Declares Quarterly Cash Dividend
Positive
Jul 24, 2026
Lake Shore Bancorp, Inc., a community-focused bank holding company based in Dunkirk, N.Y., serves Western New York through ten full-service branches offering retail and commercial lending and deposit services. Its stock trades on the NASDAQ Global...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.