Lake Shore Bancorp, Inc. (LSBK)

NASDAQ: LSBK · USD

$18.8

+0.04 (+0.2%)· Recorded snapshot

Market cap	138.3M
Revenue (ttm)	29.9M
Net income (ttm)	8.3M
EPS (ttm)	$1.14
Shares out	7.4M
P/E (trailing)	16.5x
Dividend	$0.36 (1.92%)
Volume	27,518.053
Beta	0.29

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 29.9M
Net income (ttm): 8.3M
EPS (ttm): $1.14
P/E (trailing): 16.5x
Market cap: 138.3M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	Starker Kauf
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	Starker Kauf
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	Halten

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 14:30 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E16.5

P25 n/aP50 n/aP75 n/a

ROE5.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All LSBK indicators

Market & fundamental data

Available fields

237

Groups with data

Currency

USD

Showing 237 of 237 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0002059653
Company name	Lake Shore Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	510704109
Earnings date	2026-10-21
Earnings time	amc
Employees	98
Employees change	-2
Employees growth	-2%
Enterprise value	$80.6M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1891
Industry	Banks - Regional
IPO date	2006-04-04
Is primary listing	Yes
Is SPAC	No
ISIN number	US5107041098
Last 10-K release date	2026-03-17
Last earnings date	2026-10-21
Last refreshed	2026-11-04
Last stock split date	2025-07-21
Last stock split type	Forward
Market cap	$138.3M
Market cap category	Micro-Cap
Next earnings date	2027-01-20
Options	No
Price	$18.79
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-11-03
Symbol	LSBK
U.S. state	New York
Website	https://www.mylsbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	18.88x
Average P/E ratio (3Y)	15.6x
Average P/E ratio (5Y)	14.12x
Earnings yield	6.07%
EV/Earnings	9.66x
EV/FCF	7.67x
EV/Sales	2.7x
FCF / EV yield	13.03%
FCF yield	7.6%
Graham number	22.05691
Graham upside	17.39%
Industry forward P/E	9.86x
Industry P/E	11.68x
Lynch fair value	$9.39
Lynch upside	-50%
P/B ratio	0.99x
P/E ratio	16.48x
P/FCF ratio	13.16x
P/OCF ratio	13.03x
P/S ratio	4.62x
Price / tangible book value	0.98x
Sector forward P/E	13.72x
Sector P/E	15.79x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	17.84%
FCF margin	35.07%
Operating margin	34.97%
Pretax margin	33.96%
Profit margin	27.9%
Profit per employee	$85,133
Profitable quarters	72
Profitable years	24
Revenue per employee	$305,163
ROA	1.13%
ROA (5Y)	0.82%
ROE	5.94%
ROE (5Y)	6.3%
Tax / revenue	6.06%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	28.21%
EPS growth (Q)	-2.93%
EPS growth (QoQ)	6.9%
EPS growth 10Y	8.23%
EPS growth 3Y	20.17%
EPS growth 5Y	10.2%
EPS growth quarters	5
EPS growth years	1
FCF growth	166.22%
FCF growth 3Y	14.56%
FCF growth 5Y	13.13%
Net income growth	22.62%
Net income growth (Q)	-1.91%
Net income growth (QoQ)	6.49%
Net income growth 3Y	16.6%
Net income growth 5Y	8.24%
Net income growth quarters	7
Net income growth years	2
OCF growth	137.2%
OCF growth 10Y	9.05%
OCF growth 3Y	12.16%
OCF growth 5Y	11.5%
Revenue growth	7.68%
Revenue growth (Q)	-0.6%
Revenue growth (QoQ)	1.6%
Revenue growth 10Y	4.78%
Revenue growth 3Y	1.7%
Revenue growth 5Y	4.63%
Revenue growth quarters	5
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-112,000
EPS	$1.14
FCF per share	$1.43
Financing cash flow	$-10.7M
Free cash flow	$10.5M
Gross profit	$29.9M
Income taxes	$1.8M
Investing cash flow	$-3M
Net borrowing	$-2.1M
Net cash flow	$-3.1M
Net income	$8.3M
Operating income	$10.5M
Revenue	$29.9M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$18.97
Debt / equity	0
Net cash (debt)	$57.7M
Net cash / market cap	41.71%
Net cash growth	-29.34%
Net debt / equity	-0.41
Net debt / FCF	-5.49
Piotroski F-Score	4
Shareholders' equity	$141.6M
Tangible book value	$141.6M
Tangible book value per share	$18.97
Total assets	$734.2M
Total cash	$57.7M
Total debt	$0
Total liabilities	$592.6M
WACC	5.87%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-522.7M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	3.51%
Dividend growth	15.07%
Dividend growth (10Y)	5.71%
Dividend growth (3Y)	39.42%
Dividend growth (5Y)	-2.01%
Dividend growth years	0
Dividend payment date	2026-11-11
Dividend payment years	3
Dividend payout frequency	Quarterly
Dividend per share	$0.36
Dividend yield	1.92%
Ex-dividend date	2026-11-02
FCF payout ratio	25.22%
Last dividend	$0.09
Payout ratio	31.58%
Shareholder yield	5.42%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	81.83%
10Y return CAGR	9.32%
10Y total return	143.8%
150-day SMA	$16.96
15Y price change	163.83%
15Y return CAGR	9.63%
15Y total return	297.17%
1D price change	0.21%
1M price change	2.23%
1M total return	2.73%
1W price change	0.21%
1W total return	0.7%
1Y price change	35.96%
1Y return CAGR	39.88%
1Y total return	39.85%
20-day SMA	$18.35
200-day SMA	$16.55
20Y price change	114.11%
20Y return CAGR	6.63%
20Y total return	261.08%
3M price change	9.44%
3M total return	10.54%
3Y price change	162.47%
3Y return CAGR	42.12%
3Y total return	187.1%
50-day SMA	$18.07
50-day SMA vs 200-day SMA	50over200
52-week high	$19.34
52-week high date	2026-10-30
52-week low	$13.83
52-week low date	2025-11-06
5Y price change	67.48%
5Y return CAGR	14.18%
5Y total return	94.01%
6M price change	17.55%
6M total return	19.41%
All-time high	$19.34
All-time high date	2026-10-30
All-time low	$3.18
All-time low date	2009-02-23
Average true range (ATR)	$0.49
Average volume	20.9K
Beta (1Y)	0.07
Beta (2Y)	0.21
Beta (5Y)	0.29
Change from 52-week high	-2.84%
Change from 52-week low	35.86%
Change from all-time high	-2.84%
Change from all-time low	490.69%
Change from open	-0.58%
Day's gap	0.8%
Dollar volume	$517,064
High price	$19.25
Low price	$18.79
Monthly RSI	79.58
Open price	$18.90
Position in 52-week range	0%
Previous close	$18.75
Price vs 150-day SMA	10.78%
Price vs 20-day SMA	2.4%
Price vs 200-day SMA	13.51%
Price vs 50-day SMA	3.98%
Relative volume	1.31
RSI	58.7
Sharpe ratio	1.64
Sharpe ratio (3Y)	1.04
Sharpe ratio (5Y)	0.63
Sortino ratio	3.03
Sortino ratio (3Y)	1.94
Sortino ratio (5Y)	1.17
Volume	27.5K
Weekly RSI	74.35
YTD price change	28.17%
YTD total return	30.97%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	5.4M
Float percentage	72.71%
Shares change (QoQ)	0.95%
Shares change (YoY)	-3.51%
Shares held by insiders	8.68%
Shares held by institutions	20.79%
Shares outstanding	7.4M
Short % of float	0.44%
Short % of shares	0.32%
Short ratio	0.8 days

Deeper analysis on LSBK

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this LSBK report

Is a complete LSBK research report available?

No complete published report is available for Lake Shore Bancorp, Inc. (LSBK) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Lake Shore Bancorp, Inc. (LSBK)

Price

Financial snapshot

Fair-value bridge

Latest news · LSBK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All LSBK indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on LSBK

Frequently asked questions