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Lake Shore Bancorp (LSBK) Stock Price & Analysis

LSBK Stock Chart & Stats

$19.00$0.40(2.15%)
At close: 11:26 AM EST
$17$18$193 Aug17 Aug31 Aug14 Sep28 Sep12 Oct26 Oct
Day’s Range
$18.47 - $19.34
52-Week Range
$13.66 - $19.34
Previous Close
$19.04
Volume
N/A
Average Volume (3M)
19.41K
Market Cap
$145.41M
Enterprise Value
$128.62M
Total Cash (Recent Filing)
$125.80M
Total Debt (Recent Filing)
$0
Price to Earnings (P/E)
16.7
Beta
0.26
Next Earnings
Jan 22, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Nov 02, 2026
Dividend Yield
1.93%

Bulls Say, Bears Say

Bulls Say

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.

Conservative Balance Sheet

Minimal debt and materially higher equity provide Lake Shore Bancorp with a durable financial cushion. This conservative capitalization reduces leverage-related pressure, supports confidence during operating volatility, and preserves flexibility to maintain lending and shareholder distributions.

Improved Cash Generation

The close relationship between free cash flow and net income suggests that recent earnings have translated effectively into cash. Stronger operating cash generation can support capital needs, dividends, and reinvestment while reducing reliance on external funding over the medium term.

Bears Say

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.

Modest Return On Equity

Although the balance sheet is stable, a mid-single-digit ROE indicates that the company is not generating especially strong returns on its growing equity base. Persistently modest returns could limit earnings compounding and suggest that capital is being deployed with only moderate efficiency.

Volatile Cash Flow History

The uneven historical cash-flow record makes recent improvement less certain as a lasting trend. Periodic weakness in cash generation could constrain dividends, lending growth, or other capital uses, particularly if earnings volatility returns during a weaker operating environment.

Lake Shore Bancorp News

LSBK FAQ

What was Lake Shore Bancorp’s price range in the past 12 months?
Lake Shore Bancorp lowest stock price was $13.66 and its highest was $19.34 in the past 12 months.
What is Lake Shore Bancorp’s market cap?
Lake Shore Bancorp’s market cap is $145.41M.
When is Lake Shore Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Lake Shore Bancorp’s earnings last quarter?
Lake Shore Bancorp released its earnings results on Oct 21, 2026. The company reported $0.31 earnings per share for the quarter.
Is Lake Shore Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Lake Shore Bancorp pay dividends?
Lake Shore Bancorp pays a Quarterly dividend of $0.09 which represents an annual dividend yield of 1.93%. See more information on Lake Shore Bancorp dividends here
What is Lake Shore Bancorp’s EPS estimate?
Lake Shore Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Lake Shore Bancorp have?
Lake Shore Bancorp has 7,779,898 shares outstanding.
What happened to Lake Shore Bancorp’s price movement after its last earnings report?
Lake Shore Bancorp reported an EPS of $0.31 in its last earnings report. Following the earnings report the stock price went up 2.915%.
Which hedge fund is a major shareholder of Lake Shore Bancorp?
Hedge funds hold Lake Shore Bancorp shares: the largest hedge-fund position in Lake Shore Bancorp is 70,035,254 shares, and hedge funds increased their holdings by 19.0K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology