Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

LSBK stock hub

Lake Shore Bancorp, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

125M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

LSBK

In the news

Latest news · LSBK

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 8.8P50 10.4P75 13.1

Trailing P/E14.6

P25 10.9P50 14.7P75 36.2

ROE7

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All LSBK market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

201

Groups with data

Currency

USD

Showing 201 of 201 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0001341318
Company name	Lake Shore Bancorp, Inc.
Country	United States
Country code	US
Cusip	510704109
Employees	98
Employees Change	-2%
Employees Change Percent	-2
Enterprise value	$63.4M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	2006-04-04
Isin	US5107041098
Last refreshed	2026-05-10
Market cap	$125M
Market cap category	Micro-Cap
Price	$15.9
Price currency	USD
Rev Per Employee	299,520.41x
Sector	Financials
Sic	6035
Symbol	LSBK
Website	https://mylsbank.com

Valuation

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

Metric	Value
Earnings Yield	6.51%
EV Earnings	7.8x
EV/Sales	2.16x
P/B ratio	0.88x
P/E ratio	14.6x
P/S ratio	4.26x
PE Ratio10 Y	18.98x
PE Ratio3 Y	14.77x
PE Ratio5 Y	14.11x

Profitability

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

Metric	Value
Gross Profit	$29.4M
Net Income	$8.1M
Net Income Growth	63.55%
Net Income Growth Q	81.93%
Net Income Growth Quarters	5%
Net Income Growth Years	2%
Net Income Growth3 Y	8.72%
Net Income Growth5 Y	8.08%
Pretax Margin	33.53%
Profit Margin	27.71%
Profit Per Employee	$83,010
Profitable Years	24
ROA	1.15
Roa5y	0.82
ROE	6.98
Roe5y	6.3

Growth

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

Metric	Value
Cagr10y	7.62%
Cagr15y	7.63%
Cagr1y	48.86%
Cagr20y	6.51%
Cagr3y	27.4%
Cagr5y	10.74%
Div CAGR10	5.71%
Div CAGR3	-10.48%
Div CAGR5	-0.89%
EPS Growth	65.25
EPS Growth Q	88.18
EPS Growth Quarters	5
EPS Growth Years	1
EPS Growth3 Y	11.14
EPS Growth5 Y	9.69
Revenue Growth	13.79x
Revenue Growth Q	21.74x
Revenue Growth Quarters	3x
Revenue Growth Years	1x
Revenue Growth3 Y	1.6x
Revenue Growth5 Y	5.57x

Financial strength

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

Metric	Value
Assets	$722M
Cash	$61.6M
Equity	$142.4M
Liabilities	$579.6M
Net Cash	$61.6M
Net Cash By Market Cap	$49.27
Net Cash Growth	133.11%
Net Debt Equity	$-0.43
Tangible Book Value	$142.4M
Tangible Book Value Per Share	$18.11
WACC	6.01

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-505M

Dividends and buybacks

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

Metric	Value
Buyback Yield	0.92%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	$0.36
Dividend Years	3
Dividend Yield	2.26%
Ex Div Date	2026-05-04
Last Dividend	$0.09
Payout Frequency	Quarterly
Payout Ratio	33.07%

Performance and technicals

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

Metric	Value
10Y total return	108.32%
1Y total return	48.82%
200-day SMA	14.32
3Y total return	106.82%
50-day SMA	15.51
50-day SMA vs 200-day SMA	50over200
5Y total return	66.5%
All Time High	16.28
All Time High Change	-2.33%
All Time High Date	2026-04-30
All Time Low	3.18
All Time Low Change	399.84%
All Time Low Date	2009-02-23
ATR	0.17
Beta	0.32
Beta1y	0.3
Beta2y	0.25
Ch YTD	8.46
High	15.9
High52	16.28
High52 Date	2026-04-30
High52ch	-2.33%
Low	15.85
Low52	10.91
Low52 Date	2025-05-08
Low52ch	45.75%
Ma50ch	2.52%
Price vs 200-day SMA	11.05%
RSI	58.04
RSI Monthly	78.08
RSI Weekly	68.6
Sharpe ratio	2.39x
Sortino ratio	4.36
Total Return	3.19%
Tr YTD	9.72
Tr15y	201.33%
Tr1m	3.83%
Tr1w	0.03%
Tr3m	4.03%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$10.1M
Operating margin	34.56

Ownership and float

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

Metric	Value
Float	5,866,902%
Float Percent	74.61%
Shares Insiders	7.83%
Shares Institutions	17.85%
Shares Out	7,863,388
Shares Qo Q	-0.57%
Shares Yo Y	-0.92%
Short Float	0.35%
Short Ratio	1.74
Short Shares	0.26

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	5,581.55x
Bv Per Share	18.11
Ch10y	56.11
Ch15y	99.47
Ch1m	3.25
Ch1w	-0.53
Ch1y	45.07
Ch20y	111.6
Ch3m	3.45
Ch3y	90.99
Ch5y	43.87
Ch6m	11.66
Change	0.38%
Change From Open	0.25
Close	15.84
Days Gap	0.13
Dollar Volume	257,929.8
Earnings Date	2026-04-22
Earnings Time	amc
EPS	$1.09
F Score	2
Fiscal Year End	December
Founded	1,891
Graham Number	21.06079
Graham Upside	32.46
Income Tax	$1.7M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-22
Last Report Date	2026-03-31
Last Split Date	2025-07-21
Last Split Type	Forward
Last10k Filing Date	2025-03-14
Lynch Fair Value	$8.8
Lynch Upside	-44.64
Ma150	14.83
Ma150ch	7.24%
Ma20	15.86
Ma20ch	0.27%
Next Earnings Date	2026-07-22
Open	15.86
Optionable	No
Payment Date	2026-05-13
Position In Range	100
Post Close	15.9
Postmarket Change Percent	-0.31
Postmarket Price	$15.85
Price Date	2026-05-08
Ptbv Ratio	0.88
Relative Volume	2.91x
Revenue	29,353,000x
Tax By Revenue	5.82x
Tax Rate	17.34%
Tr20y	253.29%
Tr6m	12.95%
Us State	New York
Volume	16,222

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

LSBK dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.3%

$0.36 annual per share

Payout ratio

+33.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-0.9%

0 consecutive years of growth

Total shareholder yield

+3.2%

Next ex-dividend date: 2026-05-04

Performance

LSBK stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns LSBK?

Insider, institutional, and short-interest positioning.

Institutional ownership

+17.8%

Float: +74.6% of shares outstanding

Insider ownership

+7.8%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

LSBK momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

58.0

Neutral momentum band

Price vs 200-day MA

+11.0%

50/200-day relationship not available

Beta (5Y)

0.32

Less volatile than the market

Sharpe ratio

2.39

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

LSBK vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Réduire
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Réduire
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Réduire

Questions

About LSBK

Hub-level FAQ points readers to the deeper analysis pages.

What is the current LSBK stock rating?

Lake Shore Bancorp, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full LSBK analysis?

The full report lives at /stocks/LSBK/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for LSBK?

The latest report frames LSBK around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the LSBK page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.