8-K Announcements
6Material company update
Jul 18, 2025·SEC
Material company update
Jul 8, 2025·SEC
Material company update
Jul 1, 2025·SEC
Lake Shore Bancorp, Inc.(LSBK)Earnings, Financials & Key Ratios
LSBK•NASDAQ•Banking & Credit
$17.17
17.9× P/E·Price updated Jul 7, 2026
AboutLake 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.Show more
- Net Interest Income$25M+16.6%
- Total Revenue$40M+3.8%
- Net Income$7M+47.4%
- Return on Equity6.28%+12.2%
- Net Interest Margin3.38%+9.9%
- Efficiency Ratio48.81%-6.9%
- ROA1.03%+47.2%
- Equity / Assets19.47%+48.5%
- Book Value per Share19.04+61.4%
LSBK Price & Volume
Lake Shore Bancorp, Inc. (LSBK) stock price & volume — 10-year historical chart
Loading chart...
Excessive Capitalization Constrains Lake Shore Bancorp Returns
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Fortress
Cash Flow:Stable
Primary Risk:Geographic concentration in Western NY
Key Thesis Takeaways
- Lake Shore Bancorp exhibits a fortress balance sheet characterized by an equity-to-assets ratio of 0.20, yet this conservative posture significantly limits return on equity, which has languished between 1.4% and 2.1% over the last ten quarters.
- While net interest income growth has accelerated to 21.9% year-over-year as of 2026Q1, persistent margin compression at 0.9% and an over-reliance on a $604.6 million investment securities portfolio create substantial interest rate sensitivity.
- Investors should monitor whether the bank can deploy its underutilized capital more effectively to improve profitability beyond current levels.
Verdict Logic
while the bank shows improved 21.9% year-over-year net interest income growth, the current 0.91 price-to-book ratio and low 1.4% return on equity suggest limited upside potential under the current operating model.
LSBK Growth Metrics
Lake Shore Bancorp, Inc. (LSBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.9%
5 Years7.68%
3 Years10.32%
TTM-
Profit CAGR
10 Years8.09%
5 Years9.78%
3 Years8.39%
TTM63.55%
EPS CAGR
10 Years8.62%
5 Years11.38%
3 Years10.06%
TTM68.75%
Return on Capital
10 Years4.42%
5 Years4.73%
3 Years3.93%
Last Year2.08%
LSBK Recent Earnings
Lake Shore Bancorp, Inc. (LSBK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.26
—
Rev
$10M
—
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$0.26
—
Rev
$10M
—
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.32
—
Rev
$10M
—
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$0.34
—
Rev
$10M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.26 | $10M |
| Q1 2026 | Jan 21, 2026 | $0.26 | $10M |
| Q4 2025 | Oct 22, 2025 | $0.32 | $10M |
| Q3 2025 | Jul 23, 2025 | $0.34 | $10M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Lake Shore Bancorp, Inc. (LSBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.17 | $135M | 17.89 | 3.79% | 18.38% | 6.28% | 0.8% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $57.40 | $457.66M | 12.90 | 6.13% | 18.69% | 13.31% | — | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — |
Compare LSBK vs Peers
Lake Shore Bancorp, Inc. (LSBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LSBK SEC Filings & Documents
Lake Shore Bancorp, Inc. (LSBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when LSBK posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
LSBK Frequently Asked Questions
Lake Shore Bancorp, Inc. (LSBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Lake Shore Bancorp, Inc. growing?
Lake Shore Bancorp, Inc. (LSBK) grew revenue by 3.8% over the past year. Growth has been modest.
Is LSBK profitable?
Yes, Lake Shore Bancorp, Inc. (LSBK) is profitable, generating $8.1M in net income for fiscal year 2025 (18.4% net margin).
Dividend & Returns
Does LSBK pay dividends?
Yes, Lake Shore Bancorp, Inc. (LSBK) pays a dividend with a yield of 0.80%. This makes it attractive for income-focused investors.
What is LSBK's return on equity?
Lake Shore Bancorp, Inc. (LSBK) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Lake Shore Bancorp, Inc.'s net interest margin?
Lake Shore Bancorp, Inc. (LSBK) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
What is Lake Shore Bancorp, Inc.'s efficiency ratio?
Lake Shore Bancorp, Inc. (LSBK) has an efficiency ratio of 48.8%. This is excellent, indicating strong cost control.