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LSBK Overview

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Intellectia

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High
15.490
Open
15.420
VWAP
15.45
Vol
12.23K
Mkt Cap
112.81M
Low
15.420
Amount
188.99K
EV/EBITDA(TTM)
6.33
Total Shares
7.31M
EV
56.39M
EV/OCF(TTM)
--
P/S(TTM)
4.73
Lake Shore Bancorp, Inc. is the mid-tier holding company of Lake Shore Savings Bank (the Bank). The Bank offers a range of retail and commercial lending and deposit services. The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, primarily in commercial real estate loans, one-to-four-family residential mortgage loans, home equity lines of credit and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its primary sources of funds for lending and investments are deposits, borrowings, receipts of principal and interest payments on loans and securities, proceeds from sales of loans or securities, maturities and calls of investment securities and others. The Bank serves the market areas surrounding its ten branch offices located within the Western New York region of New York State.
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Events Timeline

(ET)
2025-05-23
16:07:51
Lake Shore Bancorp announces offering of 5.75M shares of common stock
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News

NASDAQ.COM
9.5
01-22NASDAQ.COM
Lake Shore Bancorp (LSBK) Reports Q4 Earnings Growth to $1.93 Million
  • Earnings Growth: Lake Shore Bancorp reported fourth-quarter earnings of $1.93 million, or $0.26 per share, which is a significant increase from last year's $1.47 million and $0.19 per share, indicating improved profitability.
  • Revenue Increase: The company's revenue rose by 13.9% year-over-year to $7.30 million, up from $6.41 million last year, reflecting enhanced business expansion and market demand.
  • Financial Performance: Both earnings per share and total revenue showed significant improvement compared to the previous year, demonstrating the company's ability to maintain strong growth in a competitive financial market.
  • Market Outlook: This growth in earnings and revenue lays a solid foundation for the company's future strategic development, potentially attracting more investor interest in its stock performance.
seekingalpha
9.5
01-21seekingalpha
Lake Shore Bancorp (LSBK) Reports Q4 GAAP EPS of $0.26 with 13.9% Revenue Growth
  • Earnings Highlight: Lake Shore Bancorp reported a Q4 GAAP EPS of $0.26, indicating stable profitability and reflecting the company's competitive position in the market.
  • Revenue Growth: The company achieved Q4 revenue of $7.3 million, a 13.9% year-over-year increase, primarily driven by strong performance in loan and deposit activities, showcasing expansion in its customer base and market share.
  • Market Reaction: Following the earnings release, market interest in Lake Shore Bancorp has increased, enhancing investor confidence in its future growth potential, which may positively impact its stock price.
  • Strategic Outlook: The company remains focused on enhancing business growth and customer service, with expectations to drive future revenue growth through further market expansion and product innovation, strengthening its position in the financial services industry.
Globenewswire
9.5
01-21Globenewswire
Lake Shore Bancorp Reports $7.3M Net Income for 2025, Up 47.4%
  • Net Income Growth: Lake Shore Bancorp reported a net income of $1.9 million in Q4 2025, a 31.7% increase year-over-year, with a total net income of $7.3 million for the year, reflecting a 47.4% growth compared to 2024, indicating effective strategic execution and enhanced profitability.
  • Interest Income Increase: The bank's net interest income reached $6.6 million in Q4 2025, up 24% from the same period in 2024, primarily driven by increased loan yields and higher average yields on interest-earning assets, further solidifying the bank's financial stability.
  • Improved Asset Quality: As of December 31, 2025, non-performing assets as a percentage of total assets decreased to 0.23%, down 55.8% from 2024, reflecting effective credit management and risk control measures that bolster investor confidence.
  • Strong Capital Ratios: Lake Shore Bancorp maintained a Tier 1 Leverage ratio of 16.65% and a Total Risk-Based Capital ratio of 23.51% as of 2025, demonstrating a robust capital structure that provides a solid foundation for future business expansion.
Newsfilter
9.5
01-21Newsfilter
Lake Shore Bancorp Reports $7.3M Net Income for 2025, Up 47.4%
  • Net Income Growth: Lake Shore Bancorp reported a net income of $1.9 million in Q4 2025, a 31.7% increase, reflecting the effectiveness of its strategies and likely boosting investor confidence.
  • Interest Income Increase: For the year 2025, net interest income reached $24.6 million, up 16.6% from 2024, primarily driven by improved loan yields, further solidifying the company's financial foundation.
  • Asset Quality Improvement: As of December 31, 2025, non-performing assets as a percentage of total assets decreased to 0.23%, down 55.8% from 2024, indicating effective credit management that helps reduce risk and enhance market competitiveness.
  • Strong Capital Ratios: Lake Shore Bank's Tier 1 Leverage ratio stood at 16.65% as of 2025, demonstrating a robust capital structure that supports future business expansion and risk management capabilities.
Newsfilter
8.0
2025-10-24Newsfilter
Lake Shore Bancorp, Inc. Announces Dividend Declaration
  • Dividend Announcement: Lake Shore Bancorp declared a cash dividend of $0.09 per share on its common stock, to be paid on November 12, 2025, to stockholders of record as of November 3, 2025.

  • Company Overview: Lake Shore Bancorp is the holding company for Lake Shore Bank, a community-oriented financial institution based in Dunkirk, New York, with ten branch locations in Western New York.

  • Forward-Looking Statements: The release includes forward-looking statements regarding the company's expectations and projections, which are subject to various risks and uncertainties that could affect future performance.

  • Contact Information: For further inquiries, Kim C. Liddell, President and CEO, can be contacted at Lake Shore Bancorp's office in Dunkirk, New York.

NASDAQ.COM
9.5
2025-10-22NASDAQ.COM
Lake Shore Bancorp, Inc. Reports Increased Earnings in Q3
  • Third Quarter Profit Increase: Lake Shore Bancorp, Inc. reported a profit of $2.35 million for the third quarter, up from $1.33 million in the same period last year.

  • Earnings Per Share Growth: The earnings per share (EPS) rose to $0.32, compared to $0.18 in the previous year.

  • Revenue Growth: The company's revenue increased by 18.0% to $6.35 million, up from $5.38 million last year.

  • Earnings Summary: Key earnings figures include $2.35 million in earnings, $0.32 EPS, and $6.35 million in revenue for the current quarter.

Valuation Metrics

The current forward P/E ratio for Lake Shore Bancorp Inc (LSBK.O) is 0.00, compared to its 5-year average forward P/E of 0.00. For a more detailed relative valuation and DCF analysis to assess Lake Shore Bancorp Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
0.00
Current PE
0.00
Overvalued PE
0.00
Undervalued PE
0.00

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.00
Current PS
0.00
Overvalued PS
0.00
Undervalued PS
0.00

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Frequently Asked Questions

What is Lake Shore Bancorp Inc (LSBK) stock price today?

The current price of LSBK is 15.43 USD — it has increased 0.06

What is Lake Shore Bancorp Inc (LSBK)'s business?

Lake Shore Bancorp, Inc. is the mid-tier holding company of Lake Shore Savings Bank (the Bank). The Bank offers a range of retail and commercial lending and deposit services. The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, primarily in commercial real estate loans, one-to-four-family residential mortgage loans, home equity lines of credit and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its primary sources of funds for lending and investments are deposits, borrowings, receipts of principal and interest payments on loans and securities, proceeds from sales of loans or securities, maturities and calls of investment securities and others. The Bank serves the market areas surrounding its ten branch offices located within the Western New York region of New York State.

What is the price predicton of LSBK Stock?

Wall Street analysts forecast LSBK stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for LSBK is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Lake Shore Bancorp Inc (LSBK)'s revenue for the last quarter?

Lake Shore Bancorp Inc revenue for the last quarter amounts to 6.62M USD, increased 23.89

What is Lake Shore Bancorp Inc (LSBK)'s earnings per share (EPS) for the last quarter?

Lake Shore Bancorp Inc. EPS for the last quarter amounts to 0.26 USD, increased 36.84

How many employees does Lake Shore Bancorp Inc (LSBK). have?

Lake Shore Bancorp Inc (LSBK) has 93 emplpoyees as of March 13 2026.

What is Lake Shore Bancorp Inc (LSBK) market cap?

Today LSBK has the market capitalization of 112.81M USD.