LSBK
Lake Shore Bancorp, Inc.
Price Chart
Latest Quote
$16.77
-0.08 (-0.47%)
Current Price
| Previous Close | $16.85 |
| Open | $17.11 |
| Day High | $17.11 |
| Day Low | $16.77 |
| Volume | 8,196 |
Stock Information
| Quarterly Dividend / Yield | $0.36 / 2.15% |
| Shares Outstanding | 7.86M |
| Quarterly Dividend Yield | 2.15% |
| Quarterly Dividend | $0.36 |
| Cash Equivalents | $61.61M |
| Revenue | $29.35M |
| Net Income | $8.13M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $131.86M |
| P/E Ratio | 15.39 |
| EPS (TTM) | $1.09 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $61.97M |
| Sales | $29.35M |
| Income | $8.13M |
| Book/sh | $19.32 |
| Cash/sh | $7.84 |
| Employees | 87 |
Financial Ratios
| EPS Growth TTM | 81.90% |
Returns & Margins
| ROA | 1.15% |
| ROE | 6.98% |
| Operating Margin | 32.52% |
| Profit Margin | 27.71% |
Ownership
| Insider Ownership | 15.58% |
| Institutional Ownership | 28.52% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 4.49 |
| P/B | 0.87 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $16.13 |
| SMA50 | $15.92 |
| SMA200 | $14.73 |
| RSI | 64.90 |
| ATR | 0.3871 |
| Shares Float | 5.50M |
| Short Float | 0.25% |
| Short Ratio | 1.42 |
| Volatility | 0.30 |
| Rel Volume | 0.91 |
Performance History
| Week | +3.52% |
| Month | +6.82% |
| Quarter | +13.95% |
| 6 Months | +14.78% |
| YTD | +15.48% |
| Year | +48.84% |
| 3 Years | +121.72% |
| 5 Years | +71.88% |
| 10 Years | +131.65% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-24 | $16.77 | 8,200 |
| 2026-06-23 | $16.85 | 6,500 |
| 2026-06-22 | $17.03 | 8,700 |
| 2026-06-18 | $17.40 | 25,400 |
| 2026-06-17 | $16.41 | 10,200 |
| 2026-06-16 | $16.20 | 9,900 |
| 2026-06-15 | $15.95 | 6,900 |
| 2026-06-12 | $16.28 | 6,300 |
| 2026-06-11 | $16.20 | 6,100 |
| 2026-06-10 | $15.85 | 2,600 |
| 2026-06-09 | $16.14 | 8,600 |
| 2026-06-08 | $15.84 | 15,100 |
| 2026-06-05 | $15.84 | 3,100 |
| 2026-06-04 | $15.69 | 3,000 |
| 2026-06-03 | $15.70 | 4,800 |
| 2026-06-02 | $15.77 | 1,500 |
| 2026-06-01 | $15.82 | 11,300 |
| 2026-05-29 | $15.56 | 1,800 |
| 2026-05-28 | $15.60 | 16,600 |
| 2026-05-27 | $15.60 | 24,200 |
| 2026-05-26 | $15.60 | 44,000 |
About Lake Shore Bancorp, Inc.
Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.
đ° Latest News
Lake Shore Bancorp, Inc. (NASDAQ:LSBK) Looks Interesting, And It's About To Pay A Dividend
Simply Wall St. âĸ 2026-04-30T10:30:07Z
Lake Shore Bank staves off proxy war
Banking Dive âĸ 2026-03-23T12:20:35Z
Lake Shore Bancorp: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-21T21:51:51ZInvesting in Lake Shore Bancorp (NASDAQ:LSBK) three years ago would have delivered you a 32% gain
Simply Wall St. âĸ 2025-12-30T13:07:21Z
Axos Financial Stock Banks On RS Rating Rise To 72
Investor's Business Daily âĸ 2025-12-16T18:39:43Z
Lake Shore Bancorp: Q3 Earnings Snapshot
Associated Press Finance âĸ 2025-10-22T21:02:28ZLake Shore Bancorp Insider Ups Holding By 23% During Year
Simply Wall St. âĸ 2025-10-03T10:15:46Z
Individual investors own 31% of Lake Shore Bancorp, Inc. (NASDAQ:LSBK) shares but private companies control 47% of the company
Simply Wall St. âĸ 2025-08-23T12:20:07Z
Lake Shore Bancorp Second Quarter 2025 Earnings: EPS: US$0.34 (vs US$0.19 in 2Q 2024)
Simply Wall St. âĸ 2025-07-26T13:49:28Z
Lake Shore Bancorp: Q2 Earnings Snapshot
Associated Press Finance âĸ 2025-07-23T20:05:54Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $27,838,000 | $24,367,000 | $26,993,000 | $27,043,000 |
| Operating Revenue | $27,838,000 | $24,367,000 | $26,993,000 | $27,043,000 |
| Expenses | ||||
| Interest Expense | $11,718,000 | $13,741,000 | $9,397,000 | $2,415,000 |
| Selling And Marketing Expense | $58,000 | $94,000 | $578,000 | $714,000 |
| General And Administrative Expense | $11,912,000 | $12,248,000 | $12,367,000 | $10,126,000 |
| Professional Expense And Contract Services Expense | $1,137,000 | $1,449,000 | $2,489,000 | $2,108,000 |
| Other Non Interest Expense | $3,569,000 | $3,472,000 | $3,472,000 | $3,446,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Net Interest Income | $24,565,000 | $21,063,000 | $24,358,000 | $24,339,000 |
| Interest Income | $36,283,000 | $34,804,000 | $33,755,000 | $26,754,000 |
| Normalized Income | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Net Income From Continuing And Discontinued Operation | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Net Income Common Stockholders | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Net Income | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Net Income Including Noncontrolling Interests | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Net Income Continuous Operations | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Pretax Income | $8,752,000 | $5,866,000 | $6,219,000 | $6,870,000 |
| Per Share | ||||
| Diluted EPS | $0.97 | $0.88 | $0.82 | $0.97 |
| Basic EPS | $0.97 | $0.88 | $0.82 | $0.97 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $612,000 | $739,000 | $807,000 | $856,000 |
| Diluted Average Shares | $7,493,814 | $5,603,409 | $5,878,049 | $5,884,536 |
| Basic Average Shares | $7,493,814 | $5,603,409 | $5,878,049 | $5,884,536 |
| Diluted NI Availto Com Stockholders | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Tax Provision | $1,483,000 | $935,000 | $1,399,000 | $1,162,000 |
| Gain On Sale Of Security | $164,000 | $60,000 | $-99,000 | $336,000 |
| Selling General And Administration | $11,970,000 | $12,342,000 | $12,945,000 | $10,840,000 |
| Insurance And Claims | $303,000 | $796,000 | $1,113,000 | $272,000 |
| Salaries And Wages | $11,609,000 | $11,452,000 | $11,254,000 | $9,854,000 |
| Occupancy And Equipment | $2,590,000 | $2,717,000 | $2,911,000 | $3,054,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-21
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $141,639,000 | $89,868,000 | $86,273,000 | $81,184,000 |
| Total Assets | $727,323,000 | $685,504,000 | $725,118,000 | $699,914,000 |
| Receivables | $3,007,000 | $2,819,000 | $2,835,000 | $2,796,000 |
| Accounts Receivable | $3,007,000 | $2,819,000 | $2,835,000 | $2,796,000 |
| Cash And Cash Equivalents | $64,280,000 | $33,131,000 | $53,730,000 | $9,633,000 |
| Cash Financial | $3,035,000 | $2,710,000 | $4,648,000 | $4,503,000 |
| Cash Cash Equivalents And Federal Funds Sold | $64,280,000 | $33,131,000 | $53,730,000 | $9,633,000 |
| Debt | ||||
| Total Debt | - | $10,250,000 | $35,250,000 | $37,546,000 |
| Long Term Debt And Capital Lease Obligation | - | $10,250,000 | $35,250,000 | $24,950,000 |
| Long Term Debt | - | $10,250,000 | $35,250,000 | $24,950,000 |
| Current Debt And Capital Lease Obligation | - | - | $0 | $12,596,000 |
| Current Debt | - | - | $0 | $12,596,000 |
| Other Current Borrowings | - | - | $0 | $12,596,000 |
| Net Debt | - | - | - | $27,913,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $585,684,000 | $595,636,000 | $638,845,000 | $618,730,000 |
| Equity | ||||
| Common Stock Equity | $141,639,000 | $89,868,000 | $86,273,000 | $81,184,000 |
| Total Equity Gross Minority Interest | $141,639,000 | $89,868,000 | $86,273,000 | $81,184,000 |
| Stockholders Equity | $141,639,000 | $89,868,000 | $86,273,000 | $81,184,000 |
| Other Equity Interest | $-4,711,000 | $-938,000 | $-1,062,000 | $-1,299,000 |
| Gains Losses Not Affecting Retained Earnings | $-7,703,000 | $-9,964,000 | $-9,385,000 | $-10,332,000 |
| Other Equity Adjustments | $-7,703,000 | $-9,964,000 | $-9,385,000 | $-10,332,000 |
| Retained Earnings | $88,398,000 | $82,805,000 | $78,956,000 | $74,859,000 |
| Other | ||||
| Treasury Shares Number | $0 | $1,253,508 | $1,271,497 | $1,131,289 |
| Ordinary Shares Number | $7,836,100 | $5,583,006 | $5,565,017 | $5,705,225 |
| Share Issued | $7,836,100 | $6,836,514 | $6,836,514 | $6,836,514 |
| Tangible Book Value | $141,639,000 | $89,868,000 | $86,273,000 | $81,184,000 |
| Treasury Stock | $0 | $13,304,000 | $13,760,000 | $13,571,000 |
| Additional Paid In Capital | $65,577,000 | $31,201,000 | $31,456,000 | $31,459,000 |
| Capital Stock | $78,000 | $68,000 | $68,000 | $68,000 |
| Common Stock | $78,000 | $68,000 | $68,000 | $68,000 |
| Preferred Stock | $0 | $0 | - | - |
| Investments And Advances | $52,538,000 | $51,895,000 | $60,442,000 | $73,047,000 |
| Net PPE | $7,050,000 | $7,218,000 | $7,870,000 | $8,286,000 |
| Accumulated Depreciation | $-15,292,000 | $-14,839,000 | $-14,122,000 | $-13,359,000 |
| Gross PPE | $22,342,000 | $22,057,000 | $21,992,000 | $21,645,000 |
| Machinery Furniture Equipment | $7,546,000 | $7,600,000 | $7,596,000 | $7,306,000 |
| Buildings And Improvements | $13,634,000 | $13,247,000 | $13,186,000 | $13,130,000 |
| Land And Improvements | $1,162,000 | $1,210,000 | $1,210,000 | $1,209,000 |
| Other Short Term Investments | $52,538,000 | $51,895,000 | $60,442,000 | $73,047,000 |
| Invested Capital | - | $100,118,000 | $121,523,000 | $118,730,000 |
| Total Capitalization | - | $100,118,000 | $121,523,000 | $106,134,000 |
| Available For Sale Securities | - | - | - | $8,000 |
Fetched: 2026-06-21
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $7,438,000 | $2,508,000 | $5,814,000 | $7,799,000 |
| Operating Activities | ||||
| Operating Cash Flow | $7,998,000 | $2,508,000 | $6,205,000 | $8,205,000 |
| Cash Flow From Continuing Operating Activities | $7,998,000 | $2,508,000 | $6,205,000 | $8,205,000 |
| Operating Gains Losses | $-162,000 | $-74,000 | $110,000 | $-329,000 |
| Investing Activities | ||||
| Capital Expenditure | $-560,000 | - | $-391,000 | $-406,000 |
| Investing Cash Flow | $-8,128,000 | $21,116,000 | $19,523,000 | $-57,204,000 |
| Cash Flow From Continuing Investing Activities | $-8,128,000 | $21,116,000 | $19,523,000 | $-57,204,000 |
| Net Other Investing Changes | $98,000 | $5,852,000 | $-11,646,000 | $-403,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-53,000 | $-20,000 | $-58,000 | $-85,000 |
| Issuance Of Capital Stock | $43,239,000 | $0 | - | - |
| Financing Cash Flow | $31,279,000 | $-44,223,000 | $18,369,000 | $-8,953,000 |
| Cash Flow From Continuing Financing Activities | $31,279,000 | $-44,223,000 | $18,369,000 | $-8,953,000 |
| Net Other Financing Charges | $-179,000 | $-82,000 | $-1,000 | $110,000 |
| Cash Dividends Paid | $-1,676,000 | $-1,082,000 | $0 | $-1,440,000 |
| Common Stock Dividend Paid | $-1,676,000 | $-1,082,000 | $0 | $-1,440,000 |
| Net Common Stock Issuance | $43,186,000 | $-20,000 | $-58,000 | $-85,000 |
| Common Stock Issuance | $43,239,000 | $0 | - | - |
| Other | ||||
| Repayment Of Debt | $-10,351,000 | $-25,093,000 | $-5,031,000 | $-2,069,000 |
| Interest Paid Supplemental Data | $11,760,000 | $14,471,000 | $8,634,000 | $2,404,000 |
| Income Tax Paid Supplemental Data | $1,576,000 | $995,000 | $1,321,000 | $975,000 |
| End Cash Position | $64,280,000 | $33,131,000 | $53,730,000 | $9,633,000 |
| Beginning Cash Position | $33,131,000 | $53,730,000 | $9,633,000 | $67,585,000 |
| Changes In Cash | $31,149,000 | $-20,599,000 | $44,097,000 | $-57,952,000 |
| Common Stock Payments | $-53,000 | $-20,000 | $-58,000 | $-85,000 |
| Net Issuance Payments Of Debt | $-10,351,000 | $-25,093,000 | $-2,377,000 | $15,527,000 |
| Net Long Term Debt Issuance | $-10,351,000 | $-25,093,000 | $10,219,000 | $2,931,000 |
| Long Term Debt Payments | $-10,351,000 | $-25,093,000 | $-5,031,000 | $-2,069,000 |
| Net Investment Purchase And Sale | $3,313,000 | $3,203,000 | $13,702,000 | $1,367,000 |
| Sale Of Investment | $3,313,000 | $3,203,000 | $13,702,000 | $7,508,000 |
| Net PPE Purchase And Sale | $-560,000 | $41,000 | $-391,000 | $-406,000 |
| Purchase Of PPE | $-560,000 | - | $-391,000 | $-406,000 |
| Change In Working Capital | $-453,000 | $-2,669,000 | $789,000 | $603,000 |
| Change In Other Working Capital | $-1,148,000 | $-1,074,000 | $-761,000 | $-341,000 |
| Change In Other Current Liabilities | $346,000 | $-31,000 | $1,055,000 | $455,000 |
| Change In Other Current Assets | $537,000 | $-1,580,000 | $534,000 | $802,000 |
| Change In Receivables | $-188,000 | $16,000 | $-39,000 | $-313,000 |
| Changes In Account Receivables | $-188,000 | $16,000 | $-39,000 | $-313,000 |
| Stock Based Compensation | $558,000 | $345,000 | $103,000 | $335,000 |
| Amortization Of Securities | $70,000 | $72,000 | $60,000 | $89,000 |
| Deferred Tax | $-101,000 | $128,000 | $17,000 | $-187,000 |
| Deferred Income Tax | $-101,000 | $128,000 | $17,000 | $-187,000 |
| Depreciation Amortization Depletion | $612,000 | $739,000 | $807,000 | $856,000 |
| Depreciation And Amortization | $612,000 | $739,000 | $807,000 | $856,000 |
| Depreciation | $612,000 | $739,000 | - | - |
| Gain Loss On Investment Securities | $-160,000 | $-54,000 | $59,000 | $0 |
| Gain Loss On Sale Of PPE | $2,000 | $-14,000 | $0 | - |
| Net Income From Continuing Operations | $7,269,000 | $4,931,000 | $4,820,000 | $5,708,000 |
| Issuance Of Debt | - | $0 | $15,250,000 | $5,000,000 |
| Net Short Term Debt Issuance | - | $0 | $-12,596,000 | $12,596,000 |
| Long Term Debt Issuance | - | $0 | $15,250,000 | $5,000,000 |
| Sale Of PPE | - | $41,000 | - | - |
| Other Non Cash Items | - | $19,000 | $-15,000 | $-111,000 |
| Unrealized Gain Loss On Investment Securities | - | $-54,000 | $-11,000 | $11,000 |
| Asset Impairment Charge | - | $0 | $16,000 | $15,000 |
| Purchase Of Investment | - | - | $0 | $-6,141,000 |
| Short Term Debt Issuance | - | - | - | $12,596,000 |
| Earnings Losses From Equity Investments | - | - | - | - |
Fetched: 2026-06-21