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LSBK Stock Chart & Stats
$17.20
$0.00(0.00%)
At close: 4:00 PM EDT
$17.20
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$12.50 - $19.09
Previous Close$17.2
Volume9.83K
Average Volume (3M)14.54K
Market Cap
$139.25M
Enterprise Value$128.62
Total Cash (Recent Filing)$3.07M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)16.2
Beta0.28
Next Earnings
Oct 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.99%
Share Statistics
EPS (TTM)1.12
Shares Outstanding7,853,788
10 Day Avg. Volume24,313
30 Day Avg. Volume14,538
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Bulls Say, Bears Say
Bulls Say
Revenue And Profitability ReboundThe sharp TTM improvement in revenue and profitability indicates stronger recent operating performance and improved earnings capacity. If maintained, higher margins can support internal capital generation, reinforce the bank’s competitive position, and provide greater flexibility to invest or return capital.
Conservative Balance SheetMinimal debt and substantial equity growth provide a durable buffer against credit losses, funding stress, and economic weakness. This conservative structure can preserve strategic flexibility, support depositor confidence, and reduce the need to use earnings for interest or debt repayment.
Improved Cash ConversionOperating cash flow that closely tracks reported earnings suggests the recent profit rebound is translating into cash rather than relying solely on accounting gains. Stronger cash generation can support dividends, balance-sheet resilience, and future lending activity over the coming quarters.
Bears Say
Cyclical ProfitabilityThe history of margin peaks and troughs shows that recent profitability may not be fully structural. Sensitivity to interest rates and credit conditions can pressure the spread between earning assets and funding costs, creating uncertainty around sustained earnings power.
Modest Return On EquityA mid-single-digit return on equity indicates that the bank is stable but is not yet producing standout returns from its capital base. Persistently modest ROE could limit retained-earnings growth and suggests that stronger profitability has not fully translated into efficient shareholder returns.
Volatile Cash Flow HistoryThe wide variation in operating cash generation makes the durability of current cash performance less certain. Volatility can complicate dividend planning, lending expansion, and capital allocation, particularly when changing rates or credit conditions affect banking cash flows.
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 $12.50 and its highest was $19.09 in the past 12 months.
What is Lake Shore Bancorp’s market cap?
Lake Shore Bancorp’s market cap is $139.25M.
When is Lake Shore Bancorp’s upcoming earnings report date?
Lake Shore Bancorp’s upcoming earnings report date is Oct 28, 2026 which is in 40 days.
How were Lake Shore Bancorp’s earnings last quarter?
Lake Shore Bancorp released its earnings results on Jul 22, 2026. The company reported $0.294 earnings per share for the quarter.
Is Lake Shore Bancorp overvalued?
According to Wall Street analysts Lake Shore Bancorp’s price is currently Overvalued.
Does Lake Shore Bancorp pay dividends?
Lake Shore Bancorp pays a Quarterly dividend of $0.09 which represents an annual dividend yield of 1.99%. 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 7,853,788 shares outstanding.
What happened to Lake Shore Bancorp’s price movement after its last earnings report?
Lake Shore Bancorp reported an EPS of $0.294 in its last earnings report. Following the earnings report the stock price went up 0.059%.
Which hedge fund is a major shareholder of Lake Shore Bancorp?
Currently, no hedge funds are holding shares in LSBK
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
Lake Shore Bancorp Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
42.19%
12-Months-Change
Fundamentals
Return on Equity
1.99%
Trailing 12-Months
Asset Growth
0.25%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Lake Shore Bancorp
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 savings accounts (such as specialized Christmas Club accounts and standard statement savings), money market accounts, both interest-bearing and non-interest-bearing checking accounts (like demand deposits), health savings accounts, retirement savings vehicles, fixed-term certificates of deposit, and interest on lawyer accounts. These offerings cater to individual clients, as well as small to medium-sized businesses, providing them with commercial savings, checking, and money market solutions. Its lending portfolio is equally broad, featuring commercial real estate loans, financing for commercial construction projects, and home equity loans and lines of credit. Business clients can also access various commercial loans, including installment loans, lines of credit, and other tailored commercial financing. Furthermore, the bank originates one-to-four-family residential mortgages and offers consumer credit products such as personal loans, overdraft protection lines, vehicle financing, secured and unsecured property improvement loans, and loans backed by certificates of deposit. As of February 11, 2022, Lake Shore Savings Bank operated eleven full-service branches across Western New York, with five locations situated in Chautauqua County and the remaining six in Erie County. Established in 1891, the company maintains its primary office in Dunkirk, New York, and operates as a subsidiary of Lake Shore, MHC.
Technical Analysis
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Ownership Overview
8.10% Insiders
1.06% Mutual Funds
18.91% Other Institutional Investors
70.97% Public Companies and
Individual Investors