LSBK Lake Shore Bancorp, Inc. - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$17.12
Price · Aug 18, 2026
Fundamentals as of Aug 11, 2026
52W Range
$12–$18
85% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
17.6
ROE
6.2%
Net Profit Margin
26.1%

LSBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$17.12
Market Cap
$134M
P/E (TTM)
17.6
EPS (TTM)
$0.97
Revenue (TTM)
—
Div Yield
1.3%
ROE
6.2%
Debt/Equity
—
52W Range
$13 – $18

LSBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income —
EPS $0.97
2-point trend, +49.2%
2024-12-31 → 2025-12-31
Free Cash Flow —
Margins 26.1%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
LSBK
Peer Median
P/E (TTM)
17.6
14.2
P/S (TTM)
4.8
1.5
P/B
0.9
0.9

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
LSBK
Peer Median
Net Profit Margin
26.1%
16.2%
ROA
1.0%
-0.12%
ROE
6.2%
-6.8%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
LSBK
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
LSBK
Peer Median
Revenue YoY
14.2%
—
EPS YoY
2-point trend, +49.2%
49.2%
—
Net Income YoY
2-point trend, +47.4%
47.4%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
LSBK
Peer Median
EPS (Diluted)
2-point trend, +49.2%
$0.97
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
LSBK
Peer Median
Payout Ratio
23.1%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
1.3%
Payout Ratio
23.1%
5Y Div CAGR
—
Ex-dateAmount
Aug. 3, 2026$0.0900
May 4, 2026$0.0900
Feb. 2, 2026$0.0900
Nov. 3, 2025$0.0900
Aug. 4, 2025$0.0900
Feb. 10, 2025$0.1329
Nov. 4, 2024$0.1329
Aug. 12, 2024$0.1329
May 3, 2024$0.1329
Nov. 3, 2022$0.1329
Aug. 1, 2022$0.1329
May 6, 2022$0.1182
Feb. 23, 2022$0.1182
Nov. 8, 2021$0.1034
Aug. 5, 2021$0.1034
May 7, 2021$0.0960
Feb. 25, 2021$0.0960
Nov. 4, 2020$0.0960
Aug. 5, 2020$0.0886
May 6, 2020$0.0886

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Period EPS Actual EPS Est Surprise
Sept. 30, 2025 $0.32 — —
June 30, 2025 $0.34 — —
Sept. 30, 2024 $0.24 — —
June 30, 2024 $0.19 — —

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
LSBK $115M 15.1 14.2% 26.1% 6.2% —
HYNE $117M 483.0 41.8% 1.5% 0.19% —
TFC $62.13B 12.9 53.0% 26.1% 8.2% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 8
Annual Income Statement data for LSBK
Metric Trend 20252024
Interest Income 2-point trend, +4.2% $36M $35M
Pretax Income 2-point trend, +49.2% $9M $6M
Income Tax 2-point trend, +58.6% $1M $935.0K
Net Income 2-point trend, +47.4% $7M $5M
EPS (Basic) 2-point trend, +49.2% $0.97 $0.65
EPS (Diluted) 2-point trend, +49.2% $0.97 $0.65
Shares (Basic) 2-point trend, -1.4% 7,510,235 7,617,009
Shares (Diluted) 2-point trend, -1.3% 7,519,415 7,617,009
Balance Sheet 14
Annual Balance Sheet data for LSBK
Metric Trend 20252024
Cash & Equivalents 2-point trend, +94.0% $64M $33M
PP&E (Net) 2-point trend, -2.3% $7M $7M
PP&E (Gross) 2-point trend, +1.3% $22M $22M
Accum. Depreciation 2-point trend, +3.1% $15M $15M
Total Assets 2-point trend, +6.1% $727M $686M
Total Liabilities 2-point trend, -1.7% $586M $596M
Long-term Debt 2-point trend, -100.0% $0 $10M
Common Stock 2-point trend, +14.7% $78.0K $68.0K
Retained Earnings 2-point trend, +6.8% $88M $83M
Treasury Stock 2-point trend, -100.0% $0 $13M
AOCI 2-point trend, +22.7% $-8M $-10M
Stockholders' Equity 2-point trend, +57.6% $142M $90M
Liabilities + Equity 2-point trend, +6.1% $727M $686M
Shares Outstanding 2-point trend, +0.8% 7,836,100 7,770,658
Cash Flow 9
Annual Cash Flow data for LSBK
Metric Trend 20252024
Deferred Tax 2-point trend, -178.9% $-101.0K $128.0K
Operating Cash Flow 2-point trend, +218.9% $8M $3M
Investing Cash Flow 2-point trend, -138.5% $-8M $21M
Net Debt Issued $-10M ·
Stock Issued $43M ·
Stock Repurchased 2-point trend, +165.0% $53.0K $20.0K
Net Stock Activity $43M ·
Dividends Paid 2-point trend, +54.9% $2M $1M
Financing Cash Flow 2-point trend, +170.7% $31M $-44M
Profitability 4
Annual Profitability data for LSBK
Metric Trend 20252024
Net Margin 26.1% ·
Pretax Margin 31.4% ·
ROA 1.0% ·
ROE 6.2% ·
Efficiency 1
Annual Efficiency data for LSBK
Metric Trend 20252024
Asset Turnover 0.0 ·
Per Share 6
Annual Per Share data for LSBK
Metric Trend 20252024
Book Value / Share $18.08 ·
Revenue / Share $3.70 ·
Cash Flow / Share $1.06 ·
Cash / Share $8.20 ·
Dividend / Share 2-point trend, -22.5% $0 $0
EPS (TTM) $0.97 ·
Growth Rates 3
Annual Growth Rates data for LSBK
Metric Trend 20252024
Revenue YoY 14.2% ·
EPS YoY 49.2% ·
Net Income YoY 47.4% ·
Valuation (TTM) 12
Annual Valuation (TTM) data for LSBK
Metric Trend 20252024
Revenue TTM $28M ·
Net Income TTM $7M ·
Market Cap $115M ·
P/E 15.1 ·
P/S 4.1 ·
P/B 0.8 ·
P / Tangible Book 0.8 ·
P / Cash Flow 14.4 ·
Dividend Yield 1.5% ·
Earnings Yield 6.6% ·
Payout Ratio 23.1% ·
Annual Payout $2M ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-31
Net Income $7M$5M
Diluted EPS $0.97$0.65

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Institutional owners (13F) 33 filers · $37.8M total · As of June 30, 2026

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
5 (+1 vs prior Q) 1 (-2 vs prior Q) 12 (+6 vs prior Q) 4 (-4 vs prior Q) +38K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
STILWELL VALUE LLC $13,779,152 773,675 36.44% Shares
ALLIANCEBERNSTEIN L.P. $7,680,640 505,971 20.31% Shares
Oppenheimer & Close, LLC $3,205,800 180,000 8.48% Shares
MANGROVE PARTNERS IM, LLC $2,681,919 150,585 7.09% Shares
HBK Sorce Advisory LLC $1,453,903 85,173 3.84% Shares
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC $1,327,605 74,543 3.51% Shares
Peapod Lane Capital LLC $1,247,400 70,039 3.30% Shares
RENAISSANCE TECHNOLOGIES LLC $1,169,066 65,641 3.09% Shares
Minerva Advisors LLC $788,253 44,259 2.08% Shares
DIMENSIONAL FUND ADVISORS LP $751,778 42,211 1.99% Shares
VANGUARD CAPITAL MANAGEMENT LLC $488,742 27,442 1.29% Shares
COURIER CAPITAL LLC $457,610 25,694 1.21% Shares
FIRST MANHATTAN CO. LLC. $446,586 25,075 1.18% Shares
GEODE CAPITAL MANAGEMENT, LLC $398,723 22,378 1.05% Shares
Sandhill Capital Partners LLC $324,470 18,218 0.86% Shares
Round Hill Asset Management $279,884 15,715 0.74% Shares
Cerity Partners LLC $273,116 15,335 0.72% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $223,836 12,568 0.59% Shares
VANGUARD FIDUCIARY TRUST CO $204,566 11,486 0.54% Shares
Marquette Asset Management, LLC $171,903 9,652 0.45% Shares
VANGUARD GROUP INC $167,183 11,404 0.44% Shares
UBS Group AG $87,411 4,908 0.23% Shares
ROYAL BANK OF CANADA $76,000 4,258 0.20% Shares
BlackRock, Inc. $59,111 3,319 0.16% Shares
Farther Finance Advisors, LLC $24,115 1,354 0.06% Shares
OSAIC HOLDINGS, INC. $13,260 744 0.04% Shares
Mirae Asset Global Investments Co., Ltd. $11,274 633 0.03% Shares
WHITTIER TRUST CO $10,682 628 0.03% Shares
Arax Advisory Partners $9,636 541 0.03% Shares
MORGAN STANLEY $4,043 227 0.01% Shares
ACADIAN ASSET MANAGEMENT LLC $528 29,957 0.00% Shares
BARCLAYS PLC $160 9 0.00% Shares
Capital Advisors, Ltd. LLC $0 8 0.00% Shares

Company insiders 10 insiders · 2 officers · 7 directors

Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Taylor M Gilden CFO and Treasurer March 18, 2026 A 22,403 0 0 $0
Jeffrey M. Werdein EVP-Commercial Division April 23, 2026 F 54,255 0 0 $0
Sharon E Brautigam Director June 4, 2026 M 24,842 0 0 $0
Ann M Segarra Director March 18, 2026 A 6,692 0 0 $0
Michelle M Debergalis Director March 18, 2026 A 8,859 0 0 $0
Ronald J Passafaro Director March 18, 2026 A 45,837 0 0 $0
John L Mehltretter Director March 18, 2026 A 19,600 0 0 $0
Kevin M. Sanvidge Director March 18, 2026 A 57,324 0 0 $0
John P Mcgrath Director March 18, 2026 A 10,873 0 0 $0
Kim C Liddell — April 23, 2026 F 70,367 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

Activists & 5%+ owners 1 position

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Stilwell Activist Fund, L.P., Stilwell Activist Investments, L.P., STILWELL PARTNERS L P, Stilwell Value LLC, Stilwell Joseph ×4 filings March 18, 2026 9.90% Amendment Board campaign SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

ETF ownership Held by 10 ETFs

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
DFAT · Dimensional ETF Trust 0.00% 3,125 NS April 30, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 4,441 NS April 30, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.00% 457 NS April 30, 2026 N-PORT
DFSV · Dimensional ETF Trust 0.00% 14 NS April 30, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 10 NS April 30, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 5 NS April 30, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 5 NS April 30, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS — — July 15, 2026 Daily
VTI · VANGUARD INDEX FUNDS — — July 15, 2026 Daily
IWC · iShares Trust — — Aug. 18, 2026 Daily