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: $11.95 to $12.50
• 50-Day Range: $14.55 to $15.20
• 52-Week Range: $11.50 to $16.95
• Volume: 263,559 shs
• Average Volume: 72,785 shs
• Market Capitalization: $102.46 million
• P/E Ratio: 15.27
• Dividend Yield: 2.75%
• Price Target: N/A
• Consensus Rating: N/A

Lake Shore Bancorp Stock Analysis - MarketRank™

Lake Shore Bancorp scored higher than 23% of companies evaluated by MarketBeat, and ranked 814th out of 914 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Lake Shore Bancorp.

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 15.27, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.71.

Price to Earnings Ratio vs. Sector

The P/E ratio of Lake Shore Bancorp is 15.27, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.60.

Price to Book Value per Share Ratio

Lake Shore Bancorp has a P/B Ratio of 1.13. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.58% 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 0.4, 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 13.02%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Lake Shore Bancorp pays a meaningful dividend of 2.78%, 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 41.86%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.58% 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 0.4, 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 13.02%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Lake Shore Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 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

Only 4.10% of the stock of Lake Shore Bancorp is held by insiders.

Percentage Held by Institutions

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

LSBK Stock Analysis - Frequently Asked Questions

How were Lake Shore Bancorp's earnings last quarter?

Lake Shore Bancorp, Inc. (NASDAQ:LSBK) posted its earnings results on Wednesday, July, 23rd. The savings and loans company reported $0.34 earnings per share for the quarter. The savings and loans company earned $6.92 million during the quarter. Lake Shore Bancorp had a net margin of 15.08% and a trailing twelve-month return on equity of 6.41%.

Who are Lake Shore Bancorp's major shareholders?

Lake Shore Bancorp's top institutional shareholders include M3F Inc. (1.37%) and HBK Sorce Advisory LLC (0.87%). Insiders that own company stock include Kim C Liddell, Kevin M Sanvidge, John L Mehltretter, Ronald J Passafaro, Taylor M Gilden and Taylor Gilden.
View institutional ownership trends.

What other stocks do shareholders of Lake Shore Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Lake Shore Bancorp investors own include Walgreens Boots Alliance (WBA), Huntington Bancshares (HBAN), Gilead Sciences (GILD), Methanex (MEOH), M&T Bank (MTB), AbbVie (ABBV) and Arch Capital Group (ACGL).

Company Calendar

• Last Earnings: 7/23/2025
• Record date for 8/13 Dividend: 8/04/2025
• Ex-Dividend for 8/13 Dividend: 8/04/2025
• Dividend Payable: 8/13/2025
• Today: 8/25/2025
• Fiscal Year End: 12/31/2025

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): $0.86
• Trailing P/E Ratio: 15.25
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $4.93 million
• Net Margins: 15.08%
• Pretax Margin: 15.66%
• Return on Equity: 6.41%
• Return on Assets: 0.84%

Debt

• Debt-to-Equity Ratio: 0.04
• Current Ratio: 1.00
• Quick Ratio: 1.00

Sales & Book Value

• Annual Sales: $38.11 million
• Price / Sales: 2.66
• Cash Flow: $0.80 per share
• Price / Cash Flow: 16.16
• Book Value: $11.56 per share
• Price / Book: 1.12

Miscellaneous

• Outstanding Shares: 7,830,000
• Free Float: 7,505,000
• Market Cap: $101.40 million
• Optionable: Not Optionable
• Beta: 0.30