Financial Services
Lake Shore Bancorp, Inc.(LSBK)
Live Price
Offline$16.28
+0.49% today
1Y Change
+44.58%
Window
Jun 26, 2025 โ Jun 23, 2026
- Market Cap
- $130.00M
- Revenue Growth
- +3.8%
- EPS Growth
- +47.7%
- Dividend Yield
- 1.7%
Coverage: 248 bars ยท Jun 26, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Lake Shore Bancorp, Inc. (LSBK) is a Financial Services stock with a market cap of $130.00M and listed on NASDAQ. The stock last traded around $16.28 and up 44.6% across the available one-year price window (Jun 26, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of +3.8%, EPS growth of +47.7%, a dividend yield of 1.7%. What stands out right now is revenue +3.8%, EPS +47.7%, free cash flow +196.6% with operating margin 24.5% and ROIC 1.1%. The dividend is present but secondary, with a yield around 1.7%. Valuation is more restrained than many high-expectation growth names at P/E 14.5 and price/sales 3.1. Stock Foundry combines LSBK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+3.8% vs +3.4% peer median
Operating Margin
Above sector median
+24.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 28, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +3.8% and EPS at +47.7%, with operating margin around 24.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.7%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +2.4% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 28, 2026 | โ | +0.0% | +0.5% | -1.8% |
2026 Jan 21, 2026 | โ | +1.4% | +0.1% | +1.8% |
2025 Oct 22, 2025 | โ | +1.8% | +6.7% | +9.2% |
Benchmark Edge
LSBK vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
LSBK
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
LSBK Max Drawdown
-6.85%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for LSBK and SPY.
Company Overview
Lake Shore Bancorp, Inc.
NASDAQ Global Market
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as 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 small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six 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.
- Leadership
- Kim C. Liddell
- IPO Date
- Apr 5, 2006
- Employees
- 93
- Street Address
- 31 East Fourth Street
- Mailing
- Dunkirk, NY, 14048
- Region
- Dunkirk, NY, US
- Reporting Currency
- USD
- Investor Line
- 716 366 4070
- Last Updated
- May 1, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 14.5
- EV/EBITDA
- 6.1
- Price/Sales
- 3.1
- Price/Book
- 0.8
Growth
- Revenue
- +3.8%
- EPS
- +47.7%
- Free Cash Flow
- +196.6%
Profitability
- Gross Margin
- 73.1%
- Operating Margin
- 24.5%
- Net Margin
- 20.2%
- ROE
- 7.0%
- ROIC
- 1.1%
Balance Sheet
- Debt/Equity
- 0.01
- Current Ratio
- 200.88
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.