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 savings institution headquartered in Dunkirk, New York. Through its banking subsidiary, the company provides financial services to individuals, families, businesses, and nonprofit organizations.

Lake Shore Savings Bank offers deposit products such as checking, savings, money market, and certificate of deposit accounts. Its lending activities include residential mortgages, home equity loans, commercial real estate and business loans, and consumer financing. The bank also provides business banking, cash management, online banking, mobile banking, and related financial services.

Lake Shore Savings Bank traces its history to 1871 and primarily serves communities in western New York, including Chautauqua and Erie counties, through branch offices and digital banking channels. Lake Shore Bancorp became a publicly traded company in 2006.

Key Stats

• Today's Range: $18.12 to $18.25
• 50-Day Range: $17.05 to $18.85
• 52-Week Range: $12.52 to $19.09
• Volume: 13,792 shs
• Average Volume: 12,570 shs
• Market Capitalization: $143.11 million
• P/E Ratio: 16.13
• Dividend Yield: 1.97%
• Price Target: N/A
• Consensus Rating: Strong Buy

Lake Shore Bancorp Stock Analysis - MarketRank™

Lake Shore Bancorp scored higher than 18% of companies evaluated by MarketBeat, and ranked 787th out of 855 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: 0.2 / 5
• Analyst Rating: Strong Buy

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: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Lake Shore Bancorp is 16.13, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.70.

Price to Earnings Ratio vs. Sector

The P/E ratio of Lake Shore Bancorp is 16.13, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.69.

Price to Book Value per Share Ratio

Lake Shore Bancorp has a P/B Ratio of 1.01. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.39% 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 0.67, 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 increased by 52.63%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Lake Shore Bancorp pays a meaningful dividend of 2.03%, 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: 3.0 / 5
• News Sentiment: N/A

News Sentiment

Lake Shore Bancorp has a news sentiment score of 1.79. 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 is a higher news sentiment than the 0.67 average news sentiment score 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: 10/16/2026
• 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: 16.13
• 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: 3.62
• Cash Flow: $1.10 per share
• Price / Cash Flow: 16.64
• Book Value: $18.10 per share
• Price / Book: 1.01

Miscellaneous

• Outstanding Shares: 7,850,000
• Free Float: 7,194,000
• Market Cap: $143.11 million
• Optionable: Not Optionable
• Beta: 0.30