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About Lake Shore Bancorp (NASDAQ:LSBK)
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides retail and commercial banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club, passbook, and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts comprising demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for businesses. The company's loan portfolio consists of one-to four-family residential mortgages, home equity loans, commercial real estate loans, construction loans, business installment loans, lines of credit, and other commercial loans; and consumer loans that include personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured and unsecured loans. As of February 08, 2018, it had 11 full-service branch locations in Western New York, including 5 locations in Chautauqua County and 6 locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
Industry, Sector and Symbol
Industry Federal savings institutions
Sub-IndustryN/A
SectorFinance
SymbolNASDAQ:LSBK
CUSIPN/A
Phone716-366-4070
Debt
Debt-to-Equity Ratio0.34
Current Ratio1.01
Quick Ratio1.01
Price-To-Earnings
Trailing P/E Ratio28.23
Forward P/E RatioN/A
P/E GrowthN/A
Sales & Book Value
Annual Sales$22.06 million
Price / Sales4.79
Cash Flow$0.8513 per share
Price / Cash20.44
Book Value$12.87 per share
Price / Book1.35
Profitability
EPS (Most Recent Fiscal Year)N/A
Net Income$3.37 million
Net Margins16.08%
Return on Equity4.95%
Return on Assets0.75%
Miscellaneous
Employees114
Outstanding Shares6,070,000
Lake Shore Bancorp (NASDAQ:LSBK) Frequently Asked Questions
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 announced a quarterly dividend on Thursday, April 26th. Shareholders of record on Monday, May 7th will be paid a dividend of $0.10 per share on Monday, May 21st. This represents a $0.40 annualized dividend and a dividend yield of 2.30%. The ex-dividend date is Friday, May 4th. View Lake Shore Bancorp's Dividend History.
How were Lake Shore Bancorp's earnings last quarter?
Lake Shore Bancorp, Inc. (NASDAQ:LSBK) announced its earnings results on Wednesday, April, 25th. The savings and loans company reported $0.15 EPS for the quarter. The savings and loans company earned $4.92 million during the quarter. Lake Shore Bancorp had a return on equity of 4.95% and a net margin of 16.08%. View Lake Shore Bancorp's Earnings History.
Who are some of Lake Shore Bancorp's key competitors?
Some companies that are related to Lake Shore Bancorp include Charter Financial (CHFN), Farmers & Merchants Bancorp (FMAO), Clifton Bancorp (CSBK), Westfield Financial (WNEB), BankFinancial (BFIN), NASB Financial (NASB), Territorial Bancorp (TBNK), Codorus Valley Bancorp (CVLY), Northrim BanCorp (NRIM), First Guaranty Bank (FGBI), BCB Bancorp (BCBP), Provident Bancorp (PVBC), North Dallas Bank Trust (NODB), Riverview Bancorp (RVSB) and SI Financial Group (SIFI).
Who are Lake Shore Bancorp's key executives?
Lake Shore Bancorp's management team includes the folowing people:
- Mr. Daniel P. Reininga, Pres, CEO & Director (Age 59)
- Ms. Rachel A. Foley, CFO, Principal Accounting Officer & Treasurer (Age 49)
- Mr. Jeffrey M. Werdein, Exec. VP of Commercial Division (Age 51)
- Ms. Nicole May, Compliance & CRA Officer
- Ms. Brenda Mikolajczak, Assistant VP of Marketing & Sales
Has Lake Shore Bancorp been receiving favorable news coverage?
News stories about LSBK stock have been trending positive on Thursday, Accern reports. The research group identifies negative and positive media coverage by analyzing more than twenty million blog and news sources. Accern ranks coverage of companies on a scale of -1 to 1, with scores closest to one being the most favorable. Lake Shore Bancorp earned a news impact score of 0.29 on Accern's scale. They also assigned news stories about the savings and loans company an impact score of 47.04 out of 100, meaning that recent media coverage is somewhat unlikely to have an impact on the company's share price in the immediate future.
How do I buy shares of Lake Shore Bancorp?
Shares of LSBK can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market 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 LSBK stock can currently be purchased for approximately $17.40.
How big of a company is Lake Shore Bancorp?
Lake Shore Bancorp has a market capitalization of $106.29 million and generates $22.06 million in revenue each year. Lake Shore Bancorp employs 114 workers across the globe.
How can I contact Lake Shore Bancorp?
Lake Shore Bancorp's mailing address is 31 EAST FOURTH STREET, DUNKIRK NY, 14048. The savings and loans company can be reached via phone at 716-366-4070 or via email at [email protected]
MarketBeat Community Rating for Lake Shore Bancorp (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 LSBK will outperform the S&P 500 over the long term. Vote "Underperform" if you believe LSBK will underperform the S&P 500 over the long term. You may vote once every thirty days.
Lake Shore Bancorp (NASDAQ:LSBK) Analyst Ratings History
| Date | Brokerage | Action | Rating | Price Target | Impact on Share Price | Details |
|---|
(Data available from 5/24/2016 forward)
Lake Shore Bancorp (NASDAQ:LSBK) Earnings History and Estimates Chart
Lake Shore Bancorp (NASDAQ LSBK) Earnings History by Quarter
| Date | Quarter | Consensus Estimate | Actual EPS | Revenue Estimate | Actual Revenue | Release Link | Conference Call | Details |
|---|
| 4/25/2018 | Q1 2018 | | $0.15 | | $4.92 million | View | N/A |  |
| 1/30/2018 | Q4 2017 | | $0.13 | | $4.79 million | View | N/A | |
| 10/26/2017 | Q3 2017 | | $0.15 | | $4.88 million | View | 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 | |
| 7/29/2014 | Q2 2014 | | $0.16 | | $4.37 million | View | N/A | |
| 4/24/2014 | Q1 2014 | | $0.14 | | $4.19 million | View | N/A | |
| 1/30/2014 | Q4 | | $0.18 | | $4.37 million | View | N/A | |
| 10/28/2013 | Q3 13 | | $0.17 | | $4.28 million | View | N/A | |
| 7/29/2013 | Q2 2013 | | $0.14 | | $4.24 million | View | N/A | |
| 4/24/2013 | Q1 2013 | | $0.16 | | $4.26 million | View | N/A | |
| 1/31/2013 | Q4 2012 | | $0.15 | | | View | N/A | |
| 11/2/2012 | Q312 | | $0.15 | $5.21 million | $4.81 million | View | N/A | |
| 7/31/2012 | Q2 2012 | | $0.16 | | | View | N/A | |
| 5/1/2012 | Q1 2012 | | $0.18 | | | View | N/A | |
| 2/2/2012 | Q4 2011 | | $0.10 | | | View | N/A | |
| 10/31/2011 | Q3 2011 | | $0.20 | | | View | N/A | |
| 7/28/2011 | Q2 2011 | | $0.17 | | | View | N/A | |
| 4/28/2011 | Q1 2011 | | $0.17 | | | View | N/A | |
| 1/31/2011 | Q4 2010 | | $0.16 | | | View | N/A | |
| 10/29/2010 | Q3 2010 | | $0.13 | | | View | N/A | |
| 7/29/2010 | Q2 2010 | | $0.11 | | | View | N/A | |
| 4/30/2010 | Q1 2010 | | $0.12 | | | View | N/A | |
| 2/5/2010 | Q4 2009 | | $0.14 | | | View | N/A | |
| 10/30/2009 | Q3 2009 | | $0.10 | | | View | N/A | |
| 8/4/2009 | Q2 2009 | | $0.05 | | | View | N/A | |
| 4/30/2009 | Q1 2009 | | $0.07 | | | View | N/A | |
| 3/31/2009 | Q4 2008 | | $0.15 | | | View | N/A | |
(Earnings results data provided by Zacks Investment Research)
Lake Shore Bancorp (NASDAQ:LSBK) Dividend Information
Lake Shore Bancorp pays an annual dividend of $0.40 per share, with a dividend yield of 2.30%. LSBK's most recent quarterly dividend payment was Monday, May 21.
| Most Recent Dividend: | 5/21/2018 |
| Annual Dividend: | $0.40 |
| Dividend Yield: | 2.30% |
| Payout Ratio(s): | 46.99% (Based on Cash Flow)
N/A |
Lake Shore Bancorp (NASDAQ:LSBK) Dividend History by Quarter
| Announced | Period | Amount | Yield | Ex-Dividend Date | Record Date | Payable Date |
|---|
| 4/26/2018 | quarterly | $0.10 | 2.37% | 5/4/2018 | 5/7/2018 | 5/21/2018 |
| 2/8/2018 | Quarterly | $0.10 | 2.38% | 2/26/2018 | 2/27/2018 | 3/15/2018 |
| 10/27/2017 | quarterly | $0.08 | 2.02% | 11/3/2017 | 11/6/2017 | 11/20/2017 |
| 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)
Lake Shore Bancorp (NASDAQ LSBK) Insider Trading and Institutional Ownership History
Insider Ownership Percentage: 4.30%
Institutional Ownership Percentage: 13.17%
Lake Shore Bancorp (NASDAQ LSBK) Insider Trading History
| Transaction Date | Insider Name | Title | Buy/Sell | Number of Shares | Average Share Price | Total Transaction | Shares Held After Transaction | Details |
|---|
| 10/24/2017 | Jeffrey M. Werdein | EVP | Sell | 516 | $16.17 | $8,343.72 | | |
| 12/12/2016 | John L Mehltretter | Director | Buy | 100 | $15.44 | $1,544.00 | 100 | |
| 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 | 7,710 | |
| 6/10/2016 | Reginald S Corsi | Director | Sell | 3,500 | $13.03 | $45,605.00 | 8,162 | |
| 6/8/2016 | Sharon E Brautigam | Director | Sell | 2,797 | $13.10 | $36,640.70 | 11,824 | |
| 6/7/2016 | Reginald S Corsi | Director | Sell | 1,300 | $13.20 | $17,160.00 | 8,110 | |
| 6/6/2016 | Reginald S Corsi | Director | Sell | 2,420 | $13.35 | $32,307.00 | 7,810 | |
| 6/3/2016 | Sharon E Brautigam | Director | Sell | 103 | $13.50 | $1,390.50 | 9,327 | |
| 5/23/2016 | Sharon E Brautigam | Director | Sell | 600 | $13.49 | $8,094.00 | 9,924 | |
| 5/18/2016 | Daniel P Reininga | CEO | Sell | 12,646 | $13.60 | $171,985.60 | 44,360 | |
| 5/18/2016 | Reginald S Corsi | Director | Sell | 1,535 | $13.51 | $20,737.85 | 8,345 | |
| 5/4/2016 | Gary P Winger | Director | Sell | 2,000 | $14.76 | $29,520.00 | 13,902 | |
| 3/10/2016 | Rachel A Foley | CFO | Sell | 16,573 | $13.23 | $219,260.79 | 30,583 | |
| 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)
Lake Shore Bancorp (NASDAQ LSBK) News Headlines
| Source: |
|
| Date | Headline |
|---|
 | Only 3 Days Left To Lake Shore Bancorp Inc (NASDAQ:LSBK)’s Ex-Dividend Date, Should You Buy?
finance.yahoo.com - April 30 at 4:01 PM |
 | Lake Shore Bancorp, Inc. Plans Quarterly Dividend of $0.10 (LSBK)
www.americanbankingnews.com - April 26 at 6:10 PM |
| Lake Shore Bancorp (LSBK) Announces Earnings Results
www.americanbankingnews.com - April 26 at 4:36 PM |
| Lake Shore Bancorp: 1Q Earnings Snapshot
finance.yahoo.com - April 25 at 4:10 PM |
| Lake Shore Bancorp (LSBK) Set to Announce Quarterly Earnings on Wednesday
www.americanbankingnews.com - April 18 at 2:28 AM |
| Lake Shore Bancorp Inc (NASDAQ:LSBK): Dividend Is Coming In 3 Days, Should You Buy?
finance.yahoo.com - February 22 at 4:24 PM |
 | Lake Shore Bancorp (LSBK) Declares $0.10 Quarterly Dividend; 2.4% Yield
www.streetinsider.com - February 10 at 8:43 AM |
| Lake Shore Bancorp, Inc. (LSBK) Raises Dividend to $0.10 Per Share
www.americanbankingnews.com - February 9 at 6:16 PM |
| Lake Shore Bancorp, Inc. Announces Fourth Quarter 2017 Dividend
finance.yahoo.com - February 8 at 4:45 PM |
| Lake Shore Bancorp, Inc. Announces Full Year 2017 and Fourth Quarter Financial Results
finance.yahoo.com - January 30 at 4:52 PM |
| Should You Sell Lake Shore Bancorp Inc (NASDAQ:LSBK) At This PE Ratio?
finance.yahoo.com - January 29 at 4:49 PM |
| Lake Shore Bancorp (LSBK) to Release Quarterly Earnings on Monday
www.americanbankingnews.com - January 22 at 4:52 AM |
 | BRIEF-Lake Shore Board Intends To Reduce Proposed Quarterly Dividend
www.reuters.com - January 3 at 5:46 PM |
| Lake Shore Bancorp, Inc. :LSBK-US: Earnings Analysis: Q3, 2017 By the Numbers : December 21, 2017
finance.yahoo.com - December 21 at 5:41 PM |
| Form 4 LAKE SHORE BANCORP, INC. For: Nov 29 Filed by: Brautigam Sharon E
www.streetinsider.com - November 30 at 5:42 PM |
| Lake Shore Bancorp, Inc. : LSBK-US: Dividend Analysis : November 06th, 2017 (record date) : By the numbers : November 6, 2017
finance.yahoo.com - November 7 at 6:34 AM |
 | Lake Shore Savings Bank parent tops $500M in assets
www.bizjournals.com - October 29 at 6:31 AM |
| Lake Shore Bancorp, Inc. (LSBK) Releases Earnings Results
www.americanbankingnews.com - October 28 at 2:56 PM |
| Lake Shore Bancorp, Inc. (LSBK) Announces Quarterly Dividend of $0.08
www.americanbankingnews.com - October 27 at 6:27 PM |
| Lake Shore Bancorp, Inc. (LSBK) Set to Announce Quarterly Earnings on Monday
www.americanbankingnews.com - October 9 at 1:52 AM |
| Lake Shore Bancorp, Inc. :LSBK-US: Earnings Analysis: Q2, 2017 By the Numbers : September 28, 2017
finance.yahoo.com - October 2 at 12:11 PM |
| Lake Shore Bancorp, Inc. : LSBK-US: Dividend Analysis : August 10th, 2017 (record date) : By the numbers : September 11, 2017
finance.yahoo.com - September 11 at 10:56 PM |
| 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 |
| 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. 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 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. 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 (NASDAQ:LSBK) SEC Filings
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Lake Shore Bancorp (NASDAQ:LSBK) Income Statement, Balance Sheet and Cash Flow Statement
Lake Shore Bancorp (NASDAQ LSBK) Stock Chart for Thursday, May, 24, 2018
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