NASDAQ: LSBK
Lake Shore Bancorp Inc Stock

$16.00+0.10 (+0.63%)
Updated Mar 18, 2025
LSBK Price
$16.00
Fair Value Price
$11.47
Market Cap
$91.73M
52 Week Low
$10.30
52 Week High
$16.95
P/E
18.18x
P/B
1.02x
P/S
3.05x
PEG
4.71x
Dividend Yield
4.5%
Revenue
$25.85M
Earnings
$4.93M
Gross Margin
100%
Operating Margin
22.7%
Profit Margin
19.1%
Debt to Equity
6.63
Operating Cash Flow
$3M
Beta
0.33
Next Earnings
Apr 21, 2025
Ex-Dividend
N/A
Next Dividend
N/A

LSBK Overview

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.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine LSBK's potential to beat the market

Zen Rating Component Grades

N/A
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Industry: Bank

Industry Rating
D
LSBK
Ranked
Unranked of 292

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LSBK News

Overview

Due Diligence Score

Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how LSBK scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

LSBK ($16.00) is overvalued by 39.53% relative to our estimate of its Fair Value price of $11.47 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
LSBK ($16.00) is not significantly undervalued (39.53%) relative to our estimate of its Fair Value price of $11.47 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
LSBK ($16.00) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more LSBK due diligence checks available for Premium users.

Valuation

LSBK fair value

Fair Value of LSBK stock based on Discounted Cash Flow (DCF)

Price
$16.00
Fair Value
$11.47
Overvalued by
39.53%
LSBK ($16.00) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
LSBK ($16.00) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
LSBK ($16.00) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

LSBK price to earnings (PE)

For valuing profitable companies with steady earnings

Company
18.18x
Industry
12.82x
Market
30.9x
LSBK is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
LSBK is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

LSBK price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.02x
Industry
1.11x
LSBK is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

LSBK price to earnings growth (PEG)

For valuing profitable companies with growth potential

LSBK is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

LSBK's financial health

Profit margin

Revenue
$7.0M
Net Income
$1.5M
Profit Margin
20.9%
LSBK's Earnings (EBIT) of $5.87M... subscribe to Premium to read more.
Interest Coverage Financials
LSBK's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$685.5M
Liabilities
$595.6M
Debt to equity
6.63
LSBK's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
LSBK's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$3.4M
Investing
-$6.8M
Financing
-$13.4M
LSBK's operating cash flow ($2.51M)... subscribe to Premium to read more.
Debt Coverage Financials

LSBK vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
LSBK$91.73M+0.63%18.18x1.02x
MGYR$93.31M+0.70%10.91x0.84x
PROV$94.41M-0.35%15.34x0.73x
FNWB$96.48M+0.98%-13.75x0.63x
FGBI$86.16M+0.44%8.51x0.34x

Lake Shore Bancorp Stock FAQ

What is Lake Shore Bancorp's quote symbol?

(NASDAQ: LSBK) Lake Shore Bancorp trades on the NASDAQ under the ticker symbol LSBK. Lake Shore Bancorp stock quotes can also be displayed as NASDAQ: LSBK.

If you're new to stock investing, here's how to buy Lake Shore Bancorp stock.

What is the 52 week high and low for Lake Shore Bancorp (NASDAQ: LSBK)?

(NASDAQ: LSBK) Lake Shore Bancorp's 52-week high was $16.95, and its 52-week low was $10.30. It is currently -5.6% from its 52-week high and 55.34% from its 52-week low.

How much is Lake Shore Bancorp stock worth today?

(NASDAQ: LSBK) Lake Shore Bancorp currently has 5,733,075 outstanding shares. With Lake Shore Bancorp stock trading at $16.00 per share, the total value of Lake Shore Bancorp stock (market capitalization) is $91.73M.

Lake Shore Bancorp stock was originally listed at a price of $10.71 in Apr 5, 2006. If you had invested in Lake Shore Bancorp stock at $10.71, your return over the last 18 years would have been 49.39%, for an annualized return of 2.26% (not including any dividends or dividend reinvestments).

How much is Lake Shore Bancorp's stock price per share?

(NASDAQ: LSBK) Lake Shore Bancorp stock price per share is $16.00 today (as of Mar 18, 2025).

What is Lake Shore Bancorp's Market Cap?

(NASDAQ: LSBK) Lake Shore Bancorp's market cap is $91.73M, as of Mar 19, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Lake Shore Bancorp's market cap is calculated by multiplying LSBK's current stock price of $16.00 by LSBK's total outstanding shares of 5,733,075.
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