Lake Shore Bancorp (LSBK) Stock Price, News & Analysis

Company Overview

Lake Shore Bancorp, Inc. is the holding company for Lake Shore Savings Bank, a community-oriented financial institution headquartered in Dunkirk, New York. The bank serves individuals, families, businesses and organizations primarily in western New York, including Chautauqua and Erie counties.

Lake Shore Savings Bank offers a range of traditional banking products and services, including checking and savings accounts, certificates of deposit, residential mortgages, home equity loans, consumer lending and commercial loans. It also provides business banking services designed to support local companies and organizations, along with digital and online banking capabilities.

Lake Shore Savings Bank traces its history to 1891 and has maintained a regional focus throughout its development. Lake Shore Bancorp became a publicly traded holding company in 2006 following the bank’s mutual-to-stock conversion. Through its branch network and other delivery channels, the company emphasizes relationship-based banking and personalized service for customers in the communities it serves.

Key Stats

• Today's Range: $18.00 to $18.25
• 50-Day Range: $16.93 to $18.85
• 52-Week Range: $12.50 to $19.09
• Volume: 4,267 shs
• Average Volume: 33,990 shs
• Market Capitalization: $141.30 million
• P/E Ratio: 15.93
• Dividend Yield: 2.00%
• Price Target: N/A
• Consensus Rating: Buy

Lake Shore Bancorp Stock Analysis - MarketRank™

Lake Shore Bancorp scored higher than 43% of companies evaluated by MarketBeat, and ranked 659th out of 835 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

Lake Shore Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Lake Shore Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Lake Shore Bancorp is 15.93, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.02.

Price to Earnings Ratio vs. Sector

The P/E ratio of Lake Shore Bancorp is 15.93, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.23.

Price to Book Value per Share Ratio

Lake Shore Bancorp has a P/B Ratio of 0.99. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.19% of the float of Lake Shore Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Lake Shore Bancorp has a short interest ratio ("days to cover") of 1.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Lake Shore Bancorp has recently decreased by 3.96%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Lake Shore Bancorp pays a meaningful dividend of 1.97%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Lake Shore Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Lake Shore Bancorp is 31.86%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 1.6 / 5
• News Sentiment: N/A

News Sentiment

Lake Shore Bancorp has a news sentiment score of 0.55. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

Company Ownership

• Score: 0.4 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Lake Shore Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

8.40% of the stock of Lake Shore Bancorp is held by insiders.

Percentage Held by Institutions

8.75% of the stock of Lake Shore Bancorp is held by institutions.

Company Calendar

• Last Earnings: 7/22/2026
• Record date for 8/12 Dividend: 8/03/2026
• Ex-Dividend for 8/12 Dividend: 8/03/2026
• Dividend Payable: 8/12/2026
• Today: 9/23/2026
• Next Earnings (Estimated): 10/21/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:LSBK
• CIK: 1341318
• Web: www.lakeshoresavings.com
• Phone: (716) 366-4070
• Fax: 716-366-2965
• Employees: 115
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.13
• Trailing P/E Ratio: 15.93
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.27 million
• Net Margins: 20.74%
• Pretax Margin: 25.20%
• Return on Equity: 5.91%
• Return on Assets: 1.15%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.10
• Quick Ratio: 1.10

Sales & Book Value

• Annual Sales: $39.56 million
• Price / Sales: 3.57
• Cash Flow: $1.05 per share
• Price / Cash Flow: 17.15
• Book Value: $18.10 per share
• Price / Book: 0.99

Miscellaneous

• Outstanding Shares: 7,850,000
• Free Float: 7,194,000
• Market Cap: $141.30 million
• Optionable: Not Optionable
• Beta: 0.29