Lake Shore Bancorp Inc (LSBK)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$17.72

+0.36 (+2.07%)

Market Cap: $139.17M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 22, 2026Reported Jul 22	$0.29	N/A	-	N/A	Beat	-	-	-14.7%
Mar 31, 2026Mar 26 Reported Apr 22, 2026Reported Apr 22	$0.26	N/A	-	N/A	Beat	-	-	+39.6%
Dec 31, 2025Dec 25 Reported Jan 21, 2026Reported Jan 21	$0.25	N/A	-	N/A	Beat	-	-	-5.1%
Sep 30, 2025Sep 25 Reported Oct 22, 2025Reported Oct 22	$0.32	N/A	-	N/A	Beat	-	-	+35.1%
Jun 30, 2025Jun 25 Reported Jul 23, 2025Reported Jul 23	$0.34	N/A	-	N/A	Beat	-	-	+79.3%
Mar 31, 2025Mar 25 Reported Apr 29, 2025Reported Apr 29	$0.19	N/A	-	N/A	Beat	-	-	+7.9%
Dec 31, 2024Dec 24 Reported Mar 14, 2025Reported Mar 14	$0.26	N/A	-	N/A	Beat	-	-	+97.4%
Sep 30, 2024Sep 24 Reported Oct 23, 2024Reported Oct 23	$0.24	N/A	-	N/A	Beat	-	-	-12.5%
Jun 30, 2024Jun 24 Reported Jul 24, 2024Reported Jul 24	$0.19	N/A	-	N/A	Beat	-	-	+35.8%
Mar 31, 2024Mar 24 Reported Apr 22, 2024Reported Apr 22	$0.17	N/A	-	N/A	Beat	-	-	-39.4%
Dec 31, 2023Dec 23 Reported Mar 22, 2024Reported Mar 22	$0.13	N/A	-	N/A	Beat	-	-	-37.3%
Sep 30, 2023Sep 23 Reported Oct 26, 2023Reported Oct 26	$0.27	N/A	-	N/A	Beat	-	-	-12.9%
Jun 30, 2023Jun 23 Reported Jul 27, 2023Reported Jul 27	$0.14	N/A	-	N/A	Beat	-	-	-51.9%
Mar 31, 2023Mar 23 Reported Apr 27, 2023Reported Apr 27	$0.29	N/A	-	N/A	Beat	-	-	+59.1%
Dec 31, 2022Dec 22 Reported Jan 31, 2023Reported Jan 31	$0.21	N/A	-	N/A	Beat	-	-	-34.4%
Sep 30, 2022Sep 22 Reported Oct 26, 2022Reported Oct 26	$0.31	N/A	-	N/A	Beat	-	-	+6.9%
Jun 30, 2022Jun 22 Reported Jul 20, 2022Reported Jul 20	$0.29	N/A	-	N/A	Beat	-	-	+123.1%
Mar 31, 2022Mar 22 Reported Apr 27, 2022Reported Apr 27	$0.18	N/A	-	N/A	Beat	-	-	-37.9%
Dec 31, 2021Dec 21 Reported Mar 31, 2022Reported Mar 31	$0.32	N/A	-	N/A	Beat	-	-	+52.4%
Sep 30, 2021Sep 21 Reported Oct 27, 2021Reported Oct 27	$0.29	N/A	-	N/A	Beat	-	-	+38.1%
Jun 30, 2021Jun 21 Reported Jul 26, 2021Reported Jul 26	$0.13	N/A	-	N/A	Beat	-	-	-43.5%
Mar 31, 2021Mar 21 Reported Apr 28, 2021Reported Apr 28	$0.29	N/A	-	N/A	Beat	-	-	+141.7%
Dec 31, 2020Dec 20 Reported Mar 29, 2021Reported Mar 29	$0.21	N/A	-	N/A	Beat	-	-	+5.0%
Sep 30, 2020Sep 20 Reported Oct 26, 2020Reported Oct 26	$0.21	N/A	-	N/A	Beat	-	-	+5.0%
Jun 30, 2020Jun 20 Reported Jul 27, 2020Reported Jul 27	$0.23	N/A	-	N/A	Beat	-	-	+76.9%
Mar 31, 2020Mar 20 Reported Apr 24, 2020Reported Apr 24	$0.12	N/A	-	N/A	Beat	-	-	-20.0%
Dec 31, 2019Dec 19 Reported Mar 27, 2020Reported Mar 27	$0.20	N/A	-	N/A	Beat	-	-	+17.6%
Sep 30, 2019Sep 19 Reported Oct 23, 2019Reported Oct 23	$0.20	N/A	-	N/A	Beat	-	-	+17.6%
Jun 30, 2019Jun 19 Reported Jul 24, 2019Reported Jul 24	$0.13	N/A	-	N/A	Beat	-	-	-18.8%
Mar 31, 2019Mar 19 Reported Apr 25, 2019Reported Apr 25	$0.15	N/A	-	N/A	Beat	-	-	+0.0%
Dec 31, 2018Dec 18 Reported Mar 27, 2019Reported Mar 27	$0.17	N/A	-	N/A	Beat	-	-	+21.4%
Sep 30, 2018Sep 18 Reported Oct 24, 2018Reported Oct 24	$0.17	N/A	-	N/A	Beat	-	-	+13.3%
Jun 30, 2018Jun 18 Reported Jul 25, 2018Reported Jul 25	$0.16	N/A	-	N/A	Beat	-	-	-15.8%
Mar 31, 2018Mar 18 Reported Apr 25, 2018Reported Apr 25	$0.15	N/A	-	N/A	Beat	-	-	+25.0%
Dec 31, 2017Dec 17 Reported Mar 28, 2018Reported Mar 28	$0.14	N/A	-	N/A	Beat	-	-	+19.0%
Sep 30, 2017Sep 17 Reported Oct 26, 2017Reported Oct 26	$0.15	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 26, 2017Reported Jul 26	$0.19	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 27, 2017Reported Apr 27	$0.12	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 31, 2017Reported Mar 31	$0.12	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield2.03%

Forward Annual Dividend$0.36

Payout Ratio32.15%

FrequencyQuarterly

Pay MonthsFeb, May, Aug, Nov

Key Metrics

Valuation
P/E Ratio	15.87	EV/EBITDA	12.04x
Price/FCF	12.68x	FCF Yield	7.89%
Profitability
Profit Margin	28.00%	Operating Margin	36.20%
ROE	7.06%	ROIC	N/A
Financial Health
Debt/Equity	0.00x	Interest Coverage	0.95x
Current Ratio	0.01x	Quick Ratio	0.01x
Trading Statistics
Beta	0.29	Avg Volume	31.35K
52-Week High	$19.09	52-Week Low	$12.23

Technical Indicators Dashboard

Moving Averages

SMA 10$17.99

SMA 20$18.04

SMA 50$17.68

SMA 200$16.20

EMA 10$17.91

EMA 20$17.94

EMA 50$17.69

EMA 200$16.40

MACD

Line: 0.02Signal: 0.10Hist: -0.09

ADX

ADX: 23.3+DI: 15.7-DI: 29.5

Aroon & PSAR

Aroon Up12.0

Aroon Down96.0

PSAR$18.74

Bollinger Bands

Upper Band$18.55

Lower Band$17.52

%B Position570%(Upper)

Band Width0.19

RSI (14-Day)

Neutral

47.0

Momentum Oscillators

Stoch %K36.8

Stoch %D47.7

Williams %R-60.7

ROC (10d)-2.4%

Momentum-0.44

CCI (20d)-107.6

MFI (14d)48.7

Volatility Measures

ATR (14d)$0.52(3.0%)

StdDev (20d)0.26

Hist Vol24.1%(Moderate)

Volume Flow

VWAP$17.72

OBV769.0K

AD Line-8767324027.8B

CMF (20d)-0.391

Volume Metrics

Avg Vol (20d)31.3K

Vol Ratio1.4x

VWMA (20d)$17.99

Pivot Points

R3$19.26

R2$18.75

R1$18.06

Pivot Point$17.55

S1$16.85

S2$16.34

S3$15.65

Advanced Oscillators

TSI1.38

Ultimate Osc42.1

KST15.97

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$10.14M	$9.76M	$10.14M	$10.42M	$9.91M	$9.09M	$9.66M	$9.64M	$9.49M	$9.32M	$9.54M	$9.33M
Cost of Revenue	$2.61M	$2.28M	$2.83M	$2.73M	$2.98M	$2.95M	$2.64M	$3.24M	$3.26M	$3.12M	$3.02M	$2.23M
Gross Profit	$7.52M	$7.48M	$7.30M	$7.69M	$6.92M	$6.14M	$7.02M	$6.40M	$6.23M	$6.19M	$6.51M	$7.10M

Operating Expenses	$4.87M	$5.12M	$4.96M	$4.84M	$4.63M	$4.88M	$5.27M	$4.81M	$4.90M	$5.00M	$5.20M	$5.20M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$3.16M	$3.38M	$3.06M	$2.93M	$2.93M	$2.99M	$3.40M	$2.87M	$2.94M	$3.04M	$3.18M	$3.07M
Operating Income	$2.65M	$2.35M	$2.35M	$2.85M	$2.30M	$1.26M	$1.75M	$1.59M	$1.33M	$1.20M	$1.31M	$1.90M

Interest Income	$9.39M	$9.05M	$9.46M	$9.35M	$9.11M	$8.37M	$8.59M	$8.85M	$8.75M	$8.61M	$8.61M	$8.72M
Interest Expense	$2.50M	$2.40M	$2.83M	$3.00M	$2.98M	$2.90M	$3.25M	$3.47M	$3.55M	$3.48M	$3.06M	$2.43M
Income Before Tax	$2.65M	$2.35M	$2.35M	$2.85M	$2.30M	$1.26M	$1.75M	$1.59M	$1.33M	$1.20M	$1.31M	$1.90M
Income Tax Expense	$477,000	$430,000	$411,000	$487,000	$378,000	$206,000	$278,000	$258,000	$216,000	$183,000	$561,000	$332,000

Net Income	$2.17M	$1.92M	$1.93M	$2.36M	$1.92M	$1.06M	$1.47M	$1.33M	$1.12M	$1.01M	$749,000	$1.57M

EBITDA	$2.79M	$2.50M	$2.50M	$3.00M	$2.45M	$1.42M	$1.92M	$1.77M	$1.52M	$1.39M	$1.51M	$2.11M
EBIT	$2.65M	$2.35M	$2.35M	$2.85M	$2.30M	$1.26M	$1.75M	$1.59M	$1.33M	$1.20M	$1.31M	$1.90M

* Some calculated fields are derived from available data when not provided by source

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News

A Look at Lake Shore Bancorp Inc (LSBK) After 3.4% Decline -- GF Value $13.42 vs Price $17.36

Lake Shore Bancorp Inc (LSBK) shares recently declined by 3.4%, bringing its current price to $17.36, which is 29.4% above its GF Value™ of $13.42...

GuruFocus•Oct 13, 2026 7:40 PM ET10/13/26•Bearish

Lake Shore Bancorp (NASDAQ:LSBK) Upgraded at Wall Street Zen

Lake Shore Bancorp (NASDAQ:LSBK) received an upgrade from Wall Street Zen to a "hold" rating, while Weiss Ratings improved its rating to "Buy (A-)". The stock opened at $18.38, close to its 52-week high...

MarketBeat•Oct 3, 2026 1:32 AM ET10/3/26•Bullish

Lake Shore Bank to continue TRC Gold sponsorship -

Lake Shore Bank has renewed its agreement to be the presenting sponsor of the TRC Golf Classic for another three years. This marks a long-standing partnership...

Observer Today•Sep 23, 2026 2:20 AM ET9/23/26•Bullish

85,173 Shares in Lake Shore Bancorp, Inc. $LSBK Acquired by HBK Sorce Advisory LLC

HBK Sorce Advisory LLC acquired 85,173 shares of Lake Shore Bancorp, Inc. (NASDAQ:LSBK) during the second quarter...

MarketBeat•Aug 17, 2026 5:42 AM ET8/17/26•Neutral

Lake Shore Bancorp Inc (LSBK) Stock News Today

The article provides current stock information for Lake Shore Bancorp Inc (LSBK), including its stock price, market cap, and P/E ratio. It states that more news is coming soon regarding the company's earnings...

TradingKey•Aug 8, 2026 1:39 AM ET8/8/26•Neutral

LSBK Valuation and Fair Value

P/E: 15.9x
Forward P/E: 14.4x
EV/EBITDA: 12.0x
P/FCF: 12.7x
PEG: 0.0x
P/B: 0.9x

See GNG's fair value

LSBK Profitability: Margins, ROIC and FCF

Gross margin: 74.1%
Operating margin: 36.2%
Net margin: 28.0%
ROE: 7.1%
FCF margin: 25.9%
FCF yield: 7.9%

LSBK Competitors

Company	Ticker
Bayfirst Financial Corp	BAFN
Inflection Point Acquisition Corp. III Class A Ordinary Shares	IPCX
Oxford Square Capital Corp	OXSQ
SR Bancorp, Inc. Common stock	SRBK
Andretti Acquisition Corp. II Class A Ordinary Shares	POLE
Centurion Acquisition Corp.	ALF
Finwise Bancorp	FINW
First Guaranty Bancshares, Inc.	FGBI

Sector: Financial Services

LSBK Bull Case vs Bear Case

Bull case

LSBK converts 25.9% of revenue into free cash flow.
LSBK has a 28.0% net profit margin.

LSBK Dividend

Forward yield: 2.0%
Payout ratio: 32.2%
Pay months: Feb, May, Aug, Nov

Frequently Asked Questions About LSBK

What is LSBK's current dividend yield?

Lake Shore Bancorp Inc (LSBK) has a forward dividend yield of 2.03%.

Does LSBK pay dividends?

Yes, Lake Shore Bancorp Inc pays dividends with a forward dividend yield of 2.03%.

What is LSBK's P/E ratio?

Lake Shore Bancorp Inc has a price-to-earnings (P/E) ratio of 15.87.

What is LSBK's market cap?

Lake Shore Bancorp Inc (LSBK) has a market capitalization of $139.17M with a current stock price of $17.72.

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