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

Company Overview

Lake Shore Bancorp, Inc. operates as a savings and loan holding company for Lake Shore Servings Bank. It offers personal services such as checking, savings, lending, banking, debit card, e-services, and online banking; and business services including deposit products, commercial loans, and business e-statements. The company was founded in 2006 and is headquartered in Dunkirk, NY.

Key Stats

• Today's Range: $16.77 to $17.11
• 50-Day Range: $15.56 to $17.40
• 52-Week Range: $11.25 to $17.56
• Volume: 8,197 shs
• Average Volume: 8,620 shs
• Market Capitalization: $131.81 million
• P/E Ratio: 14.21
• Dividend Yield: 2.15%
• Price Target: N/A
• Consensus Rating: Hold

Lake Shore Bancorp Stock Analysis - MarketRank™

Lake Shore Bancorp scored higher than 32% of companies evaluated by MarketBeat, and ranked 751st out of 872 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Lake Shore Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, 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 14.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Lake Shore Bancorp is 14.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.28.

Price to Book Value per Share Ratio

Lake Shore Bancorp has a P/B Ratio of 0.93. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

0.25% 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, 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 22.88%, 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 2.14%, 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 30.51%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: N/A
• News Sentiment: N/A

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: 4/22/2026
• Record date for 5/13 Dividend: 5/04/2026
• Ex-Dividend for 5/13 Dividend: 5/04/2026
• Dividend Payable: 5/13/2026
• Today: 6/25/2026
• Next Earnings (Estimated): 7/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: N/A
• 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): $1.18
• Trailing P/E Ratio: 14.21
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.27 million
• Net Margins: 20.23%
• Pretax Margin: 24.47%
• Return on Equity: 6.30%
• Return on Assets: 1.11%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.09
• Quick Ratio: 1.09

Sales & Book Value

• Annual Sales: $39.56 million
• Price / Sales: 3.33
• Cash Flow: $1.06 per share
• Price / Cash Flow: 15.82
• Book Value: $18.10 per share
• Price / Book: 0.93

Miscellaneous

• Outstanding Shares: 7,860,000
• Free Float: 7,203,000
• Market Cap: $131.81 million
• Optionable: Not Optionable
• Beta: 0.31