Lake Shore Bancorp, Inc. is a savings and loan holding company of Lake Shore Savings Bank (the Bank). The Bank's loan portfolio consists of real estate loans and other loans. The real estate loans consist of residential one- to four-family, home equity, commercial and construction loans. The Bank's other loans consists of commercial and consumer loans. The Bank provides all-in-one home equity lines of credit to its customers. The Bank's primary sources of funds consist of deposits, scheduled amortization and prepayments of loans and securities, maturities and sales of investments and loans, interest earning deposits at other financial institutions and funds provided from operations. The Company operates through over 10 branch offices. It has branches in Chautauqua County, New York, which are located in Dunkirk, Fredonia, Jamestown, Lakewood and Westfield. In Erie County, New York, its branch offices are located in Depew, East Amherst, Hamburg, Kenmore, Orchard Park and Snyder.
Industry, Sector and Symbol:
Capitalization:- Market Cap: $95.81 million
- Outstanding Shares: 6,102,000
Average Prices:- 50 Day Moving Avg: $15.76
- 200 Day Moving Avg: $15.72
- 52 Week Range: $13.08 - $16.59
P/E:- Trailing P/E Ratio: 35.52
- P/E Growth: 0.00
Sales & Book Value:- Annual Revenue: $17.37 million
- Price / Sales: 5.52
- Book Value: $13.01 per share
- Price / Book: 1.21
Dividend:- Annual Dividend: $0.32
- Dividend Yield: 2.0%
Profitability:- Net Margins: 13.10%
- Return on Equity: 3.59%
- Return on Assets: 0.56%
Debt:- Debt-to-Equity Ratio: 0.35%
- Current Ratio: 1.02%
- Quick Ratio: 1.02%
Misc:- Average Volume: 1,608 shs.
- Beta: -0.03
- Short Ratio: 8.42
Frequently Asked Questions for Lake Shore Bancorp (NASDAQ:LSBK)
What is Lake Shore Bancorp's stock symbol?
Lake Shore Bancorp trades on the NASDAQ under the ticker symbol "LSBK."
How often does Lake Shore Bancorp pay dividends? What is the dividend yield for Lake Shore Bancorp?
Lake Shore Bancorp declared a quarterly dividend on Thursday, July 27th. Stockholders of record on Thursday, August 10th will be paid a dividend of $0.08 per share on Thursday, August 24th. This represents a $0.32 dividend on an annualized basis and a dividend yield of 2.04%. The ex-dividend date of this dividend is Tuesday, August 8th. View Lake Shore Bancorp's Dividend History.
How were Lake Shore Bancorp's earnings last quarter?
Lake Shore Bancorp, Inc. (NASDAQ:LSBK) released its quarterly earnings results on Wednesday, July, 26th. The company reported $0.19 earnings per share (EPS) for the quarter. The business earned $4.96 million during the quarter. Lake Shore Bancorp had a net margin of 13.10% and a return on equity of 3.59%. View Lake Shore Bancorp's Earnings History.
When will Lake Shore Bancorp make its next earnings announcement?
Who are some of Lake Shore Bancorp's key competitors?
Some companies that are related to Lake Shore Bancorp include MidSouth Bancorp (MSL), First Financial Northwest (FFNW), Riverview Bancorp (RVSB), County Bancorp (ICBK), Howard Bancorp (HBMD), Bank of Commerce Holdings (CA) (BOCH), California First National Bancorp (CFNB), Entegra Financial Corp. (ENFC), Provident Financial Holdings (PROV), Sussex Bancorp (SBBX), Middlefield Banc Corp. (MBCN), FS Bancorp (FSBW), Atlantic Coast Financial Corporation (ACFC), Guaranty Federal Bancshares (GFED), Eagle Bancorp Montana (EBMT), PCF Group PLC (PCF), Avenue Financial Holdings (AVNU) and Banc of California (FPTB).
Who are Lake Shore Bancorp's key executives?
Lake Shore Bancorp's management team includes the folowing people:
- Gary P Winger, Independent Chairman of the Board
- Daniel P. Reininga, President, Chief Executive Officer, Director
- Rachel A. Foley, Chief Financial Officer, Treasurer
- Jeffrey M. Werdein, Executive Vice President- Commercial Division
- Beverly J. Sutton, Internal Auditor
- John L. Mehltretter, Director
- Susan C. Ballard, Independent Director
- Tracy S. Bennett, Independent Director
- Sharon E. Brautigam, Independent Director
- Reginald S. Corsi, Independent Director
Who owns Lake Shore Bancorp stock?
Lake Shore Bancorp's stock is owned by many different of institutional and retail investors. Top institutional shareholders include Stilwell Value LLC (4.69%), Banc Funds Co. LLC (3.66%), Minerva Advisors LLC (0.49%), First Manhattan Co. (0.33%) and Dimensional Fund Advisors LP (0.19%). Company insiders that own Lake Shore Bancorp stock include Daniel P Reininga, Gary P Winger, John L Mehltretter, Nancy L Yocum, Rachel A Foley, Reginald S Corsi and Sharon E Brautigam. View Institutional Ownership Trends for Lake Shore Bancorp.
How do I buy Lake Shore Bancorp stock?
Shares of Lake Shore Bancorp can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.
What is Lake Shore Bancorp's stock price today?
One share of Lake Shore Bancorp stock can currently be purchased for approximately $15.70.
MarketBeat Community Rating for Lake Shore Bancorp (NASDAQ LSBK)MarketBeat's community ratings are surveys of what our community members think about Lake Shore Bancorp and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days.
Consensus Ratings for Lake Shore Bancorp (NASDAQ:LSBK) (How are Consensus Ratings Calculated?) MarketBeat calculates consensus ratings using the most recent rating from each brokerage that has rated a stock within the last twelve months. Since brokers often use different ratings systems, each rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings. Each stock's consensus rating is derived from its calculated consensus ratings score (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months.
MarketBeat will no longer include ratings and price target data in its consensus calculation if a broker drops coverage and MarketBeat has received a report that coverage was dropped. Ratings from certain research firms that issue ratings using purely quantitative methods (such as Zacks, Vetr and ValuEngine) are not included in consensus calculations. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.
| Ratings Breakdown: | No ratings tracked in the last 12 months. |
| Consensus Rating: | N/A (Score: NaN) |
| Consensus Price Target: | N/A |
Analysts' Ratings History for Lake Shore Bancorp (NASDAQ:LSBK)
Show:
No equities research coverage for this company has been tracked by MarketBeat.com
Earnings History for Lake Shore Bancorp (NASDAQ:LSBK)Earnings History by Quarter for Lake Shore Bancorp (NASDAQ LSBK)| Date | Quarter | Consensus Estimate | Actual EPS | Revenue Estimate | Actual Revenue | Release Link | Conference Call | Details |
|---|
| 10/16/2017 | | | | | | | N/A |  |
| 7/26/2017 | Q2 2017 | | $0.19 | | $4.96 million | View | N/A | |
| 4/27/2017 | Q1 2017 | | $0.12 | | $4.80 million | View | N/A | |
| 1/31/2017 | Q4 2016 | | $0.02 | | $4.44 million | View | N/A | |
| 10/18/2016 | Q316 | | $0.13 | | $4.49 million | View | N/A | |
| 7/28/2016 | Q2 | | $0.11 | | $4.38 million | View | N/A | |
| 4/27/2016 | Q116 | | $0.15 | | $5.99 million | View | N/A | |
| 1/28/2016 | Q4 | | $0.14 | | $4.36 million | View | N/A | |
| 10/28/2015 | Q3 | | $0.21 | | $4.79 million | View | N/A | |
| 7/28/2015 | Q2 | | $0.12 | | $4.24 million | View | N/A | |
| 4/29/2015 | Q115 | | $0.10 | | $4.15 million | View | N/A | |
| 1/29/2015 | Q414 | | $0.14 | | $4.13 million | View | N/A | |
| 10/27/2014 | Q314 | | $0.12 | | $4.08 million | View | N/A | |
| 1/30/2014 | Q4 | | $0.18 | | | View | N/A | |
| 10/28/2013 | Q3 13 | | $0.17 | | | View | N/A | |
| 11/2/2012 | Q312 | | $0.15 | $5.21 million | $4.81 million | View | N/A | |
(Data available from 1/1/2011 forward)
Earnings Estimates for Lake Shore Bancorp (NASDAQ:LSBK)No earnings estimates for this company have been tracked by MarketBeat.com
Current Dividend Information for Lake Shore Bancorp (NASDAQ:LSBK)| Next Dividend: | 8/24/2017 |
| Annual Dividend: | $0.32 |
| Dividend Yield: | 2.04% |
| Payout Ratio: | 69.57% (Trailing 12 Months of Earnings)
|
Dividend History by Quarter for Lake Shore Bancorp (NASDAQ LSBK)| Announced | Period | Amount | Yield | Ex-Dividend Date | Record Date | Payable Date |
|---|
| 7/27/2017 | quarterly | $0.08 | 2.03% | 8/8/2017 | 8/10/2017 | 8/24/2017 |
| 4/27/2017 | Quarterly | $0.08 | 2.03% | 5/9/2017 | 5/11/2017 | 5/24/2017 |
| 2/9/2017 | quarterly | $0.08 | 2.01% | 2/21/2017 | 2/23/2017 | 3/13/2017 |
| 10/27/2016 | quarterly | $0.07 | 1.96% | 11/8/2016 | 11/10/2016 | 11/21/2016 |
| 7/29/2016 | quarterly | $0.07 | 2.08% | 8/9/2016 | 8/11/2016 | 8/22/2016 |
| 4/27/2016 | quarterly | $0.07 | 2.03% | 5/5/2016 | 5/9/2016 | 5/20/2016 |
| 2/8/2016 | quarterly | $0.07 | 2.07% | 2/24/2016 | 2/26/2016 | 3/10/2016 |
| 10/28/2015 | quarterly | $0.07 | 2.08% | 11/5/2015 | 11/9/2015 | 11/19/2015 |
| 7/24/2015 | quarterly | $0.07 | 2.08% | 7/30/2015 | 8/3/2015 | 8/18/2015 |
| 4/29/2015 | quarterly | $0.07 | 2.07% | 5/6/2015 | 5/8/2015 | 5/22/2015 |
| 2/6/2015 | quarterly | $0.07 | 2.07% | 2/17/2015 | 2/19/2015 | 3/10/2015 |
| 10/22/2014 | quarterly | $0.07 | 2.22% | 10/31/2014 | 11/4/2014 | 11/18/2014 |
| 7/23/2014 | quarterly | $0.07 | 2.26% | 8/4/2014 | 8/6/2014 | 8/19/2014 |
| 4/24/2014 | quarterly | $0.07 | 2.28% | 5/2/2014 | 5/6/2014 | 5/21/2014 |
| 2/6/2014 | quarterly | $0.07 | 2.29% | 2/13/2014 | 2/18/2014 | 3/18/2014 |
| 10/25/2013 | quarterly | $0.07 | 2.29% | 11/1/2013 | 11/5/2013 | 11/19/2013 |
(Data available from 1/1/2013 forward)
Insider Trading and Institutional Ownership History for Lake Shore Bancorp (NASDAQ:LSBK)Insider Ownership Percentage: 4.40%
Institutional Ownership Percentage: 14.25%
Insider Trades by Quarter for Lake Shore Bancorp (NASDAQ:LSBK)| Transaction Date | Insider Name | Title | Buy/Sell | Number of Shares | Average Share Price | Total Transaction | Details |
|---|
| 12/12/2016 | John L Mehltretter | Director | Buy | 100 | $15.44 | $1,544.00 | |
| 11/2/2016 | Sharon E. Brautigam | Director | Sell | 822 | $14.00 | $11,508.00 | |
| 8/18/2016 | Gary P. Winger | Director | Sell | 3,350 | $13.40 | $44,890.00 | |
| 8/15/2016 | Daniel P. Reininga | Insider | Sell | 1,319 | $13.39 | $17,661.41 | |
| 8/15/2016 | Gary P. Winger | Director | Sell | 3,100 | $13.26 | $41,106.00 | |
| 8/8/2016 | Gary P. Winger | Director | Sell | 2,299 | $13.42 | $30,852.58 | |
| 6/13/2016 | Reginald S Corsi | Director | Sell | 900 | $13.05 | $11,745.00 | |
| 6/10/2016 | Reginald S Corsi | Director | Sell | 3,500 | $13.03 | $45,605.00 | |
| 6/8/2016 | Sharon E Brautigam | Director | Sell | 2,797 | $13.10 | $36,640.70 | |
| 6/7/2016 | Reginald S Corsi | Director | Sell | 1,300 | $13.20 | $17,160.00 | |
| 6/6/2016 | Reginald S Corsi | Director | Sell | 2,420 | $13.35 | $32,307.00 | |
| 6/3/2016 | Sharon E Brautigam | Director | Sell | 103 | $13.50 | $1,390.50 | |
| 5/23/2016 | Sharon E Brautigam | Director | Sell | 600 | $13.49 | $8,094.00 | |
| 5/18/2016 | Daniel P Reininga | CEO | Sell | 12,646 | $13.60 | $171,985.60 | |
| 5/18/2016 | Reginald S Corsi | Director | Sell | 1,535 | $13.51 | $20,737.85 | |
| 5/4/2016 | Gary P Winger | Director | Sell | 2,000 | $14.76 | $29,520.00 | |
| 3/10/2016 | Rachel A Foley | CFO | Sell | 16,573 | $13.23 | $219,260.79 | |
| 2/25/2016 | Nancy L. Yocum | Director | Sell | 4,449 | $13.35 | $59,394.15 | |
| 2/5/2016 | Nancy L. Yocum | Director | Sell | 800 | $13.43 | $10,744.00 | |
| 8/13/2015 | Daniel P Reininga | CEO | Sell | 1,287 | $13.22 | $17,014.14 | |
| 11/17/2014 | David C Mancuso | Director | Sell | 50,585 | $12.92 | $653,558.20 | |
| 12/17/2012 | Reginald S Corsi | Director | Buy | 1,002 | $10.45 | $10,470.90 | |
(Data available from 1/1/2013 forward)
Headline Trends for Lake Shore Bancorp (NASDAQ:LSBK)
Latest Headlines for Lake Shore Bancorp (NASDAQ:LSBK)
| Source: |
|
| Date | Headline |
|---|
 | Lake Shore Bancorp, Inc. (LSBK) Posts Quarterly Earnings Results
www.americanbankingnews.com - July 27 at 6:46 PM |
| Lake Shore Bancorp, Inc. Declares Quarterly Dividend of $0.08 (NASDAQ:LSBK)
www.americanbankingnews.com - July 27 at 3:41 PM |
 | Lake Shore Bancorp, Inc. Reports Second Quarter 2017 and Year to Date Earnings and Declares Dividend
finance.yahoo.com - July 27 at 4:04 AM |
| Lake Shore Bancorp, Inc. :LSBK-US: Earnings Analysis: Q1, 2017 By the Numbers : June 9, 2017
finance.yahoo.com - June 9 at 6:35 PM |
| Lake Shore Bancorp, Inc. : LSBK-US: Dividend Analysis : May 11th, 2017 (record date) : By the numbers : May 9, 2017
finance.yahoo.com - May 9 at 6:07 PM |
| Lake Shore Bancorp, Inc. (lsbk) to Issue Quarterly Dividend of $0.08
www.americanbankingnews.com - May 4 at 3:44 PM |
| Lake Shore Bancorp, Inc. (LSBK) Announces Quarterly Earnings Results
www.americanbankingnews.com - April 29 at 1:15 AM |
 | Net income drops at Lake Shore Bancorp
www.bizjournals.com - April 28 at 7:16 PM |
 | BRIEF-LAKE SHORE BANCORP QTRLY EARNINGS PER SHARE $0.12
www.reuters.com - April 27 at 11:59 PM |
 | Lake Shore Bancorp, Inc. Reports First Quarter 2017 Earnings and Declares Dividend
feeds.benzinga.com - April 27 at 11:05 AM |
| Pay tops $538,000 for Lake Shore Bancorp CEO
www.bizjournals.com - April 8 at 5:43 AM |
| Lake Shore Bancorp, Inc. :LSBK-US: Earnings Analysis: Q4, 2016 By the Numbers : April 4, 2017
finance.yahoo.com - April 7 at 10:58 AM |
| LAKE SHORE BANCORP, INC. Files SEC form 10-K, Annual Report
biz.yahoo.com - March 31 at 6:25 PM |
 | Lake Shore Bancorp (LSBK) Declares $0.08 Quarterly Dividend; 2% Yield
www.streetinsider.com - February 9 at 7:20 PM |
| Lake Shore Bancorp, Inc. Announces Fourth Quarter 2016 Dividend
finance.yahoo.com - February 8 at 7:09 PM |
| Lake Shore CEO's salary rises in 2017
www.bizjournals.com - February 8 at 5:43 AM |
| BRIEF-Lake Shore Bancorp Q4 earnings per share $0.02
www.reuters.com - February 1 at 12:11 AM |
 | Lake Shore Bancorp, Inc. Announces Full Year 2016 and Fourth Quarter Financial Results
us.rd.yahoo.com - January 31 at 7:11 PM |
| Millennial group advises Lake Shore Savings Bank
www.bizjournals.com - January 12 at 6:54 PM |
| LAKE SHORE BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits
biz.yahoo.com - November 8 at 5:35 PM |
| Lake Shore Bancorp (LSBK) Declares $0.07 Quarterly Dividend; 2% Yield
www.streetinsider.com - October 26 at 6:00 PM |
 | Lake Shore Bancorp reports Q3 results
seekingalpha.com - October 20 at 11:41 AM |
| Lake Shore Bancorp's board adds former New Era Cap executive
www.bizjournals.com - October 5 at 9:14 AM |
| LAKE SHORE BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Amendments to Articles of Inc
biz.yahoo.com - October 3 at 10:34 AM |
| BRIEF-Lake Shore Bancorp Inc Q2 earnings per share $0.11
www.reuters.com - July 28 at 6:12 PM |
| Quarterly net income declines at Lake Shore Bancorp
www.bizjournals.com - July 28 at 6:12 PM |
| Lake Shore Bancorp (LSBK) Declares $0.07 Quarterly Dividend; 2.1% Yield
www.streetinsider.com - July 28 at 6:12 PM |
| LAKE SHORE BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and Exhi
biz.yahoo.com - May 23 at 3:07 PM |
| LAKE SHORE BANCORP, INC. Files SEC form 8-K, Other Events
biz.yahoo.com - February 4 at 10:24 AM |
| Lake Shore Bancorp Inc.
biz.yahoo.com - January 22 at 8:17 PM |
| LAKE SHORE BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits
biz.yahoo.com - December 11 at 3:05 PM |
| LAKE SHORE BANCORP, INC. Financials
finance.yahoo.com - December 8 at 1:17 PM |
| LAKE SHORE BANCORP, INC. Files SEC form 10-Q, Quarterly Report
biz.yahoo.com - November 12 at 11:52 AM |
| LAKE SHORE BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Other Events, Financial S
biz.yahoo.com - October 28 at 2:09 PM |
Lake Shore Bancorp (LSBK) Chart for Saturday, August, 19, 2017
