Symbols / LSBK Stock $15.78 -0.13% Lake Shore Bancorp, Inc.

Financial Services • Banks - Regional • United States • NGM
LSBK (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Kim C. Liddell
Exch · Country NGM · United States
Market Cap 124.08M
Enterprise Value 62.48M
Income 8.13M
Sales 29.35M
FCF (ttm) —
Book/sh 18.11
Cash/sh 7.83
Employees 87
Insider 10d —
IPO Apr 05, 2006
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 24.77%
P/E 14.48
Forward P/E —
PEG —
P/S 4.23
P/B 0.87
P/C —
EV/EBITDA —
EV/Sales 2.13
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.09
EPS next Y —
EPS Growth 88.20%
Revenue Growth 21.70%
EPS Gr Q/Q 81.90%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) —
ROA 1.15%
ROE 6.98%
ROIC —
Gross Margin 0.00%
Oper. Margin 31.47%
Profit Margin 27.71%
Shs Outstand 7.86M
Shs Float 5.87M
Insider Own 15.57%
Instit Own 28.44%
Short Float 0.22%
Short Ratio 2.83
Short Interest 15.96K
52W High 16.28
vs 52W High -3.07%
52W Low 11.11
vs 52W Low 42.06%
Beta 0.32
Impl. Vol. —
Rel Volume 0.32
Avg Volume 10.15K
Volume 3.20K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $15.80
Price $15.78
Change -0.13%
About

Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW 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. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$15.78
Latest analyst target
3. DCF / Fair value
$16.35
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$15.78
Low
—
High
—
Mean
—
News
RSS: Latest LSBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-18 SEGARRA ANN M Director — 620 $0.00 $0
2026-03-18 LIDDELL KIM C Officer of Subsidiary Company — 6,285 $0.00 $0
2026-03-18 BRAUTIGAM SHARON E Director — 527 $0.00 $0
2026-03-18 MCGRATH JOHN P. Director — 589 $0.00 $0
2026-03-18 SANVIDGE KEVIN M Chairman of the Board — 893 $0.00 $0
2026-03-18 WERDEIN JEFFREY M. Officer — 3,025 $0.00 $0
2026-03-18 MEHLTRETTER JOHN L Director — 667 $0.00 $0
2026-03-18 PASSAFARO RONALD J Director — 573 $0.00 $0
2026-03-18 DEBERGALIS MICHELLE M. Director — 480 $0.00 $0
2026-03-18 GILDEN TAYLOR M Chief Financial Officer — 3,028 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
27.84
+14.24%
24.37
-9.73%
26.99
-0.18%
27.04
Operating Revenue
27.84
+14.24%
24.37
-9.73%
26.99
-0.18%
27.04
Selling General And Administration
11.97
-3.01%
12.34
-4.66%
12.95
+19.42%
10.84
Selling And Marketing Expense
0.06
-38.30%
0.09
-83.74%
0.58
-19.05%
0.71
General And Administrative Expense
11.91
-2.74%
12.25
-0.96%
12.37
+22.13%
10.13
Salaries And Wages
11.61
+1.37%
11.45
+1.76%
11.25
+14.21%
9.85
Other Gand A
—
—
—
—
Reconciled Depreciation
0.61
-17.19%
0.74
-8.43%
0.81
-5.72%
0.86
Net Income
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Pretax Income
8.75
+49.20%
5.87
-5.68%
6.22
-9.48%
6.87
Net Interest Income
24.57
+16.63%
21.06
-13.53%
24.36
+0.08%
24.34
Interest Expense
11.72
-14.72%
13.74
+46.23%
9.40
+289.11%
2.42
Interest Income
36.28
+4.25%
34.80
+3.11%
33.76
+26.17%
26.75
Gain On Sale Of Security
0.16
+173.33%
0.06
+160.61%
-0.10
-129.46%
0.34
Tax Provision
1.48
+58.61%
0.94
-33.17%
1.40
+20.40%
1.16
Tax Rate For Calcs
0.00
+6.31%
0.00
-28.84%
0.00
+32.54%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Net Income From Continuing Operation Net Minority Interest
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Net Income From Continuing And Discontinued Operation
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Net Income Continuous Operations
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Normalized Income
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Net Income Common Stockholders
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Diluted EPS
0.97
+10.23%
0.88
+7.32%
0.82
-15.46%
0.97
Basic EPS
0.97
+10.23%
0.88
+7.32%
0.82
-15.46%
0.97
Basic Average Shares
7.49
+33.74%
5.60
-4.67%
5.88
-0.11%
5.88
Diluted Average Shares
7.49
+33.74%
5.60
-4.67%
5.88
-0.11%
5.88
Diluted NI Availto Com Stockholders
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Insurance And Claims
0.30
-61.93%
0.80
-28.48%
1.11
+309.19%
0.27
Occupancy And Equipment
2.59
-4.67%
2.72
-6.66%
2.91
-4.68%
3.05
Other Non Interest Expense
3.57
+2.79%
3.47
+0.00%
3.47
+0.75%
3.45
Professional Expense And Contract Services Expense
1.14
-21.53%
1.45
-41.78%
2.49
+18.07%
2.11
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
727.32
+6.10%
685.50
-5.46%
725.12
+3.60%
699.91
Cash And Cash Equivalents
64.28
+94.02%
33.13
-38.34%
53.73
+457.77%
9.63
Cash Financial
3.04
+11.99%
2.71
-41.70%
4.65
+3.22%
4.50
Other Short Term Investments
52.54
+1.24%
51.90
-14.14%
60.44
-17.26%
73.05
Receivables
3.01
+6.67%
2.82
-0.56%
2.83
+1.39%
2.80
Accounts Receivable
3.01
+6.67%
2.82
-0.56%
2.83
+1.39%
2.80
Net PPE
7.05
-2.33%
7.22
-8.28%
7.87
-5.02%
8.29
Gross PPE
22.34
+1.29%
22.06
+0.30%
21.99
+1.60%
21.64
Accumulated Depreciation
-15.29
-3.05%
-14.84
-5.08%
-14.12
-5.71%
-13.36
Land And Improvements
1.16
-3.97%
1.21
+0.00%
1.21
+0.08%
1.21
Buildings And Improvements
13.63
+2.92%
13.25
+0.46%
13.19
+0.43%
13.13
Machinery Furniture Equipment
7.55
-0.71%
7.60
+0.05%
7.60
+3.97%
7.31
Investments And Advances
52.54
+1.24%
51.90
-14.14%
60.44
-17.26%
73.05
Total Liabilities Net Minority Interest
585.68
-1.67%
595.64
-6.76%
638.85
+3.25%
618.73
Current Debt And Capital Lease Obligation
—
—
0.00
-100.00%
12.60
Current Debt
—
—
0.00
-100.00%
12.60
Other Current Borrowings
—
—
0.00
-100.00%
12.60
Long Term Debt And Capital Lease Obligation
—
10.25
-70.92%
35.25
+41.28%
24.95
Long Term Debt
—
10.25
-70.92%
35.25
+41.28%
24.95
Stockholders Equity
141.64
+57.61%
89.87
+4.17%
86.27
+6.27%
81.18
Common Stock Equity
141.64
+57.61%
89.87
+4.17%
86.27
+6.27%
81.18
Capital Stock
0.08
+14.71%
0.07
+0.00%
0.07
+0.00%
0.07
Common Stock
0.08
+14.71%
0.07
+0.00%
0.07
+0.00%
0.07
Preferred Stock
0.00
0.00
—
—
Share Issued
7.84
+14.62%
6.84
+0.00%
6.84
+0.00%
6.84
Ordinary Shares Number
7.84
+40.36%
5.58
+0.32%
5.57
-2.46%
5.71
Treasury Shares Number
0.00
-100.00%
1.25
-1.41%
1.27
+12.39%
1.13
Additional Paid In Capital
65.58
+110.18%
31.20
-0.81%
31.46
-0.01%
31.46
Retained Earnings
88.40
+6.75%
82.81
+4.87%
78.96
+5.47%
74.86
Gains Losses Not Affecting Retained Earnings
-7.70
+22.69%
-9.96
-6.17%
-9.38
+9.17%
-10.33
Treasury Stock
0.00
-100.00%
13.30
-3.31%
13.76
+1.39%
13.57
Other Equity Adjustments
-7.70
+22.69%
-9.96
-6.17%
-9.38
+9.17%
-10.33
Total Equity Gross Minority Interest
141.64
+57.61%
89.87
+4.17%
86.27
+6.27%
81.18
Total Capitalization
—
100.12
-17.61%
121.52
+14.50%
106.13
Invested Capital
—
100.12
-17.61%
121.52
+2.35%
118.73
Total Debt
—
10.25
-70.92%
35.25
-6.12%
37.55
Net Debt
—
—
—
27.91
Net Tangible Assets
141.64
+57.61%
89.87
+4.17%
86.27
+6.27%
81.18
Tangible Book Value
141.64
+57.61%
89.87
+4.17%
86.27
+6.27%
81.18
Available For Sale Securities
—
—
—
0.01
Cash Cash Equivalents And Federal Funds Sold
64.28
+94.02%
33.13
-38.34%
53.73
+457.77%
9.63
Other Equity Interest
-4.71
-402.24%
-0.94
+11.68%
-1.06
+18.24%
-1.30
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
8.00
+218.90%
2.51
-59.58%
6.21
-24.38%
8.21
Cash Flow From Continuing Operating Activities
8.00
+218.90%
2.51
-59.58%
6.21
-24.38%
8.21
Net Income From Continuing Operations
7.27
+47.41%
4.93
+2.30%
4.82
-15.56%
5.71
Depreciation Amortization Depletion
0.61
-17.19%
0.74
-8.43%
0.81
-5.72%
0.86
Depreciation
0.61
-17.19%
0.74
—
—
Depreciation And Amortization
0.61
-17.19%
0.74
-8.43%
0.81
-5.72%
0.86
Other Non Cash Items
—
0.02
+226.67%
-0.01
+86.49%
-0.11
Stock Based Compensation
0.56
+61.74%
0.34
+234.95%
0.10
-69.25%
0.34
Asset Impairment Charge
—
0.00
-100.00%
0.02
+6.67%
0.01
Deferred Tax
-0.10
-178.91%
0.13
+652.94%
0.02
+109.09%
-0.19
Deferred Income Tax
-0.10
-178.91%
0.13
+652.94%
0.02
+109.09%
-0.19
Operating Gains Losses
-0.16
-118.92%
-0.07
-167.27%
0.11
+133.43%
-0.33
Gain Loss On Investment Securities
-0.16
-196.30%
-0.05
-191.53%
0.06
0.00
Unrealized Gain Loss On Investment Securities
—
-0.05
-390.91%
-0.01
-200.00%
0.01
Gain Loss On Sale Of PPE
0.00
+114.29%
-0.01
0.00
—
Change In Working Capital
-0.45
+83.03%
-2.67
-438.28%
0.79
+30.85%
0.60
Change In Receivables
-0.19
-1275.00%
0.02
+141.03%
-0.04
+87.54%
-0.31
Changes In Account Receivables
-0.19
-1275.00%
0.02
+141.03%
-0.04
+87.54%
-0.31
Change In Other Working Capital
-1.15
-6.89%
-1.07
-41.13%
-0.76
-123.17%
-0.34
Change In Other Current Assets
0.54
+133.99%
-1.58
-395.88%
0.53
-33.42%
0.80
Change In Other Current Liabilities
0.35
+1216.13%
-0.03
-102.94%
1.05
+131.87%
0.46
Investing Cash Flow
-8.13
-138.49%
21.12
+8.16%
19.52
+134.13%
-57.20
Cash Flow From Continuing Investing Activities
-8.13
-138.49%
21.12
+8.16%
19.52
+134.13%
-57.20
Net PPE Purchase And Sale
-0.56
-1465.85%
0.04
+110.49%
-0.39
+3.69%
-0.41
Purchase Of PPE
-0.56
—
-0.39
+3.69%
-0.41
Sale Of PPE
—
0.04
—
—
Capital Expenditure
-0.56
—
-0.39
+3.69%
-0.41
Net Investment Purchase And Sale
3.31
+3.43%
3.20
-76.62%
13.70
+902.34%
1.37
Purchase Of Investment
—
—
0.00
+100.00%
-6.14
Sale Of Investment
3.31
+3.43%
3.20
-76.62%
13.70
+82.50%
7.51
Net Other Investing Changes
0.10
-98.33%
5.85
+150.25%
-11.65
-2789.83%
-0.40
Financing Cash Flow
31.28
+170.73%
-44.22
-340.75%
18.37
+305.17%
-8.95
Cash Flow From Continuing Financing Activities
31.28
+170.73%
-44.22
-340.75%
18.37
+305.17%
-8.95
Net Issuance Payments Of Debt
-10.35
+58.75%
-25.09
-955.66%
-2.38
-115.31%
15.53
Issuance Of Debt
—
0.00
-100.00%
15.25
+205.00%
5.00
Repayment Of Debt
-10.35
+58.75%
-25.09
-398.77%
-5.03
-143.16%
-2.07
Long Term Debt Issuance
—
0.00
-100.00%
15.25
+205.00%
5.00
Long Term Debt Payments
-10.35
+58.75%
-25.09
-398.77%
-5.03
-143.16%
-2.07
Net Long Term Debt Issuance
-10.35
+58.75%
-25.09
-345.55%
10.22
+248.65%
2.93
Short Term Debt Issuance
—
—
—
12.60
Net Short Term Debt Issuance
—
0.00
+100.00%
-12.60
-200.00%
12.60
Net Common Stock Issuance
43.19
+216030.00%
-0.02
+65.52%
-0.06
+31.76%
-0.09
Common Stock Payments
-0.05
-165.00%
-0.02
+65.52%
-0.06
+31.76%
-0.09
Common Stock Dividend Paid
-1.68
-54.90%
-1.08
0.00
+100.00%
-1.44
Cash Dividends Paid
-1.68
-54.90%
-1.08
0.00
+100.00%
-1.44
Repurchase Of Capital Stock
-0.05
-165.00%
-0.02
+65.52%
-0.06
+31.76%
-0.09
Net Other Financing Charges
-0.18
-118.29%
-0.08
-8100.00%
-0.00
-100.91%
0.11
Changes In Cash
31.15
+251.22%
-20.60
-146.71%
44.10
+176.09%
-57.95
Beginning Cash Position
33.13
-38.34%
53.73
+457.77%
9.63
-85.75%
67.58
End Cash Position
64.28
+94.02%
33.13
-38.34%
53.73
+457.77%
9.63
Free Cash Flow
7.44
+196.57%
2.51
-56.86%
5.81
-25.45%
7.80
Interest Paid Supplemental Data
11.76
-18.73%
14.47
+67.60%
8.63
+259.15%
2.40
Income Tax Paid Supplemental Data
1.58
+58.39%
0.99
-24.68%
1.32
+35.49%
0.97
Amortization Of Securities
0.07
-2.78%
0.07
+20.00%
0.06
-32.58%
0.09
Common Stock Issuance
43.24
0.00
—
—
Earnings Losses From Equity Investments
—
—
—
—
Issuance Of Capital Stock
43.24
0.00
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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