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Lake Shore Bancorp (LSBK) AI Stock Analysis
Lake Shore Bancorp
(NASDAQ:LSBK)
Lake Shore Bancorp achieves a strong overall score, primarily driven by its pristine, debt-free balance sheet and stellar cash flow generation. The stock's robust bullish momentum across all key moving averages and consistent dividend payouts further strengthen its investment profile. While the valuation is reasonable, a relatively modest return on equity serves as a minor headwind. Overall, the company presents a highly stable, low-risk opportunity.
Lake Shore Bancorp (LSBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $145.41M
- Dividend Yield
- 1.93%
- Average Volume (3M)
- 21.81K
- 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
Excellent financial health driven by consistent revenue growth, high profit margins, and a remarkably conservative debt-free balance sheet. Exceptional cash flow conversion acts as a strong catalyst, though a modest ROE of 5.9% tempers the score slightly.
Income Statement
85Very PositiveBalance Sheet
82Very PositiveCash Flow
88Very 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 18.69 is above the 20-day moving average (MA) of 18.27, above the 50-day MA of 18.01, and above the 200-day MA of 16.43, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 57.14 is Neutral, neither overbought nor oversold. The STOCH value of 73.07 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
- LSBK81Outperform
MGYR78Outperform
UNB63Neutral
PROV60Neutral
PBHC58Neutral
RVSB49Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LSBK | 81Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| MGYR | 78Outperform | $143.96M | 11.04 | 10.23% | 1.70% | 8.91% | 30.08% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| UNB | 63Neutral | $112.91M | 8.68 | 15.07% | 6.31% | 3.17% | 5.55% |
| PROV | 60Neutral | $113.27M | 17.81 | 5.18% | 3.08% | 0.19% | 13.84% |
| PBHC | 58Neutral | $106.74M | -26.87 | -1.08% | 2.39% | -7.07% | -307.72% |
| RVSB | 49Neutral | $119.92M | -41.56 | -2.02% | 1.33% | -10.03% | -162.70% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| MGYR | Magyar Bancorp | 22.30 | 5.42 | 32.14% | |
| PBHC | Pathfinder | 17.00 | 2.32 | 15.77% | |
| PROV | Provident Financial Holdings | 18.17 | 3.16 | 21.02% | |
| RVSB | Riverview | 6.01 | 0.89 | 17.29% | |
| UNB | Union Bankshares, Inc. | 22.83 | 1.35 | 6.28% |
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