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Lake Shore Bancorp (LSBK) AI Stock Analysis
Lake Shore Bancorp
(NASDAQ:LSBK)
Lake Shore Bancorp's overall score of 76 reflects a financially healthy institution with a rock-solid, debt-free balance sheet and strong cash flow generation. The stock's positive technical trend and reasonable valuation support the score, while a modest return on equity and near-term overbought signals prevent a higher rating. Consistent dividend payments further underscore the company's stability.
Lake Shore Bancorp (LSBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $145.87M
- Dividend Yield
- 1.92%
- Average Volume (3M)
- 21.78K
- Price to Earnings (P/E)
- 16.7
- Beta (1Y)
- 0.26
- Revenue Growth
- 4.31%
- EPS Growth
- 24.16%
- Country
- US
- Employees
- 93
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 savin...
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 take...
Lake Shore Bancorp Financial Statement Overview
Summary
Financial performance is strong, driven by consistent revenue growth, improving profitability with a 20.7% net margin, a debt-free balance sheet with a 19.6% equity-to-assets ratio, and robust cash flow generation exceeding net income. The primary offset is a modest return on equity of 5.9%.
Income Statement
85Very PositiveBalance Sheet
80PositiveCash Flow
85Very 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 | 125.80M | 116.82M | 89.63M | 114.17M | 82.68M | 156.38M |
| Total Debt | 0 | 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
Price Trends
Market Momentum
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 19.00 is above the 20-day moving average (MA) of 18.22, above the 50-day MA of 17.95, and above the 200-day MA of 16.37, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 59.41 is Neutral, neither overbought nor oversold. The STOCH value of 58.33 is Neutral, 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.
Latest Risks Added
0 New RisksLake Shore Bancorp Peers Comparison
Overall Rating
MGYR78Outperform- LSBK76Outperform
UNB63Neutral
PROV60Neutral
PBHC58Neutral
RVSB51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| MGYR | 78Outperform | $143.96M | 11.17 | 10.23% | 1.68% | 8.91% | 30.08% |
| LSBK | 76Outperform | $145.41M | 16.74 | 7.78% | 1.92% | 4.31% | 24.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| UNB | 63Neutral | $112.91M | 8.58 | 15.07% | 6.38% | 3.17% | 5.55% |
| PROV | 60Neutral | $112.61M | 17.81 | 5.18% | 3.08% | 0.19% | 13.84% |
| PBHC | 58Neutral | $106.74M | 2342.47 | -5.76% | 2.40% | -6.61% | -78.36% |
| RVSB | 51Neutral | $119.92M | -42.05 | -2.02% | 1.32% | -10.03% | -162.70% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| LSBK | Lake Shore Bancorp | 18.75 | 4.90 | 35.41% | |
| MGYR | Magyar Bancorp | 22.56 | 6.10 | 37.03% | |
| PBHC | Pathfinder | 16.95 | 2.22 | 15.08% | |
| PROV | Provident Financial Holdings | 18.17 | 3.29 | 22.13% | |
| RVSB | Riverview | 6.08 | 0.86 | 16.43% | |
| UNB | Union Bankshares, Inc. | 22.57 | 0.91 | 4.20% |
Lake Shore Bancorp Corporate Events
Lake Shore Bancorp Declares Quarterly Cash Dividend
PositiveOn 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 divide...
Lake Shore Bancorp Declares Quarterly Cash Dividend
PositiveLake 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 Ma...
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.
Date of analysis: Oct 24, 2026