Accessibility Menu
Lake Shore Bancorp logo

Lake Shore Bancorp

(NASDAQ) LSBK

Current Price$17.14
Market Cap$126.75MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2006)+264%
5 Year+81%
1 Year+51%
1 Month+6%
Lake Shore Bancorp last closing stock price
MetricPriceDate
Last closeUSD 17.202026-07-16
Lake Shore Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.18%USD 17.002026-07-09
1 month+6.17%USD 16.202026-06-16
3 month+9.13%USD 15.762026-04-17
Year to date+18.69%USD 14.492025-12-31
1 year+51.21%USD 11.372025-07-16
3 year+127.56%USD 7.562023-07-17
5 year+81.02%USD 9.502021-07-16
Since inception+263.6%USD 4.732006-04-04

Lake Shore Bancorp Financials at a Glance

Market Cap

$126.75MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$40.22M

Net Income (TTM)

$8.14M

EPS (TTM)

$1.08

P/E Ratio

15.97

Dividend

$0.27

Beta (Volatility)

0.16 (Low)

Price

$17.14

Volume

1,101.866

Open

$16.90

Previous Close

$17.16

Daily Range

$16.90 - $17.16

52-Week Range

$11.50 - $17.96

Estimated Earnings Date

Jul 22, 2026

LSBK News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Lake Shore Bancorp

Lake Shore Bancorp helps people and businesses manage money and get loans. Its savings accounts let families save for holidays or emergencies. Local companies use its loans to buy property or expand operations.

Money Matters: What Lake Shore Offers

  • Deposit Accounts: Savings, checking, and money market accounts for individuals and businesses (percentage of revenue not disclosed).
  • Commercial Real Estate Loans: Loans for buying or building business properties, making up 58.5% of the loan portfolio.
  • Residential Mortgages: Home loans for one- to four-family houses, 27.9% of the loan portfolio.
  • Home Equity Loans: Loans using home value as collateral, 8.4% of the loan portfolio.
  • Consumer and Business Loans: Personal, vehicle, and business loans, together 5.1% of the loan portfolio.

Branching Out: Growth Moves and Milestones

  • Completed a "second-step" conversion to a fully public company in July 2025, raising $49.5 million.
  • Reduced long-term debt by $8.3 million in the first half of 2025.
  • Expanded focus on adjustable-rate loans to manage interest rate risk in 2025.

Why Lake Shore Stands Out (Without the Hype)

Lake Shore focuses on community banking in Western New York, serving local families and businesses. Its conservative lending standards help manage risk. The company emphasizes organic growth and strong capital ratios.

Five Things You Need to Know

  • Total assets were $734.8 million at June 30, 2025, up 7.2% from December 2024.
  • Net income was $1.9 million in Q2 2025, up 72.0% from Q2 2024.
  • Net interest margin reached 3.84% in Q2 2025, up from 3.14% a year earlier.
  • Allowance for credit losses was 0.93% of loans at June 30, 2025.
  • Community Bank Leverage Ratio was 14.37% at June 30, 2025, above regulatory minimums.

Bottom Line

Lake Shore has grown steadily by focusing on local banking and careful lending. Its strong capital and conservative approach support stability in a changing market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

98

CEO

Kim C. Liddell

Website

www.lakeshoresavings.com

Headquarters

Dunkirk, NY 14048, US

LSBK Financials

Key Financial Metrics (TTM)

Gross Margin

73.08%

Operating Margin

24.47%

Net Income Margin

20.23%

Return on Equity

6.30%

Return on Capital

6.12%

Return on Assets

1.13%

Earnings Yield

6.26%

Dividend Yield

1.57%

Payout Ratio

24.30%

Stock Overview

Market Cap

$126.75MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

7.37M

Volume

1.10K

Avg. Volume

9.05K

Financials (TTM)

Gross Profit

$29.39M

Operating Income

$9.84M

EBITDA

$10.44M

Operating Cash Flow

$10.07M

Capital Expenditure

-$418.00K

Free Cash Flow

$9.65M

Cash & ST Invst.

$112.29M

Total Debt

$0.00

Lake Shore Bancorp Performance Analysis

Lake Shore Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 29,215,0005.7%
20232023-12-31USD 36,445,00024.7%
20242024-12-31USD 38,029,0004.3%
20252025-12-31USD 39,402,0003.6%
Lake Shore Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-309.0%
Q32025-09-305.1%
Q42025-12-31-2.6%
Q12026-03-31-3.8%
Lake Shore Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.72-7.6%
20232023-12-31USD 0.61-15.2%
20242024-12-31USD 0.656.6%
20252025-12-31USD 0.9749.3%
Lake Shore Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3078.6%
Q32025-09-3024.0%
Q42025-12-31-16.1%
Q12026-03-31N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$9.76M

+7.3%

Gross Profit

$7.48M

+21.7%

Gross Margin

76.61%

N/A

Market Cap

$126.75MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.29M

N/A

Employees

98

N/A

Net Income

$1.92M

+81.9%

EBITDA

$2.50M

+75.9%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$112.29M

+36.4%

Total Debt

$0.00

-100.0%

Accounts Receivable

$3.01M

+2.6%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

N/A

Return on Assets

1.13%

N/A

Return on Invested Capital

6.33%

N/A

Free Cash Flow

$2.78M

+389.8%

Operating Cash Flow

$2.79M

+288.6%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
UNBUnion Bankshares, Inc.
$25.40-1.17%
BSBKBogota Financial Corp.
$9.02+0.45%
AFBIAffinity Bancshares, Inc.
$22.74+0.18%
MGYRMagyar Bancorp, Inc.
$17.55+0.06%

Trending Stocks

Symbol / CompanyPricePrice Chg
ONDSOndas
$6.53-0.02%
AALAmerican Airlines Group
$14.98-0.04%
NVDANvidia
$202.81-0.02%
INTCIntel
$95.04-0.02%

Questions About LSBK

What is the current price of Lake Shore Bancorp?

Lake Shore Bancorp is trading at $17.16 per share.

What is the 52-week range for Lake Shore Bancorp?

Over the past 52 weeks, Lake Shore Bancorp has traded between $11.50 and $17.96.

How much debt does Lake Shore Bancorp have?

As of the most recent reporting period, Lake Shore Bancorp reported total debt of $0.00.

How much cash does Lake Shore Bancorp have on hand?

Lake Shore Bancorp does not have cash on hand data available.

What is Lake Shore Bancorp’s dividend yield?

Lake Shore Bancorp currently has a dividend yield of 1.57%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services