NASDAQ · Banks - Regional · USD

Lake Shore Bancorp, Inc. (LSBK) Stock Analysis

Lake Shore Bancorp, Inc. (LSBK) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

LSBK

$17.38

−$0.04 (−0.23%)

Sep 4, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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LSBK Key Statistics

As of Sep 4, 2026

Trading

Open: $17.24
Previous Close: $17.42
Day's Range: 17.24–17.42
52-Week Range: 12.50–17.96
Volume: 7.40K
Beta: 0.29

Valuation

Market Cap: $136.50M
P/E Ratio: 15.25
P/S ratio: 4.56
EPS (ttm): 1.14

Financials (FY)

Revenue (FY): $27.84M+14.24%
Net Income (FY): $7.27M+47.41%
Profit margin: 28.01%
Shares Outstanding: 7.85M
1-Year Return: +34.27%

Dividend and dates

Dividend: $0.36+2.07%
Ex-Dividend Date: August 3, 2026
Earnings Date: October 21, 2026estimated
Avg Volume: 9.09K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

LSBK Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

−15.01%+48.21%+20.56%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+20.56%
2025	+48.21%
2024	+22.44%
2023	−2.98%
2022	−15.01%
2021	+18.76%
2020	−11.71%
2019	+4.88%
2018	−10.01%
2017	+7.57%
2016 (partial year)	+24.73%

As of September 4, 2026.

LSBK Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$27.84M	$7.27M	26.1%
2024	$24.37M	$4.93M	20.2%
2023	$26.99M	$4.82M	17.9%
2022	$27.04M	$5.71M	21.1%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$27.84M	—	—	$7.27M	26.1%
2024	$24.37M	—	—	$4.93M	20.2%
2023	$26.99M	—	—	$4.82M	17.9%
2022	$27.04M	—	—	$5.71M	21.1%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

LSBK Dividend History

’16’17’18’19’20’21’22’24’25’26*

$0.31−21.5% vs 2024

Dividends per share, 2025 · 3 payments

Year	Dividends per share	Payments	Change
2026*	$0.27	3	—
2025	$0.31	3	−21.5%
2024	$0.40	3	—
2022	$0.50	4	+25.9%

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.27	3	—
2025	$0.31	3	−21.5%
2024	$0.40	3	—
2022	$0.50	4	+25.9%
2021	$0.40	4	+10.2%
2020	$0.36	4	+2.1%
2019	$0.35	4	+20.0%
2018	$0.30	4	+25.0%
2017	$0.24	4	+357.1%
2016	$0.05	1	—

Most recent payment: $0.09 per share, ex-dividend August 3, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

LSBK Valuation vs Banks - Regional Median

Median of 380 stocks

Metric	LSBK	Banks - Regional median	vs median
P/E	15.25	12.62	21% above
P/S ratio	4.56	3.77	21% above
Profit margin	28.01%	29.15%	1.1 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Analysis

Data-derived

Company Overview

Lake Shore Bancorp, Inc. (LSBK) carries a market capitalisation of $136.50M. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 87 employees.

The most recent close on file for LSBK is $17.38, dated September 4, 2026. That is −$0.04 (−0.23%) against the previous close. Over the past 52 weeks the price has ranged from $12.50 to $17.96. The latest close sits 39.04% above that 52-week low.

Financial Health

In fiscal 2025, Lake Shore Bancorp, Inc. reported revenue of $27.84M. Against the prior fiscal year total of $24.37M, that is a change of +14.24%. Net income for the same year was $7.27M. That is +47.41% against the prior fiscal year. Profit margin runs at 28.01%. That is 1.1 percentage points below the Banks - Regional median of 29.15%. Trailing earnings per share are 1.14.

Across the 4 fiscal years on file, revenue moves from $27.04M in 2022 to $27.84M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

LSBK trades at a trailing price-to-earnings ratio of 15.25. That is 20.84% above the Banks - Regional median of 12.62. Measured against sales, the shares trade at 4.56 times revenue. On price-to-sales that is 20.84% above the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Beta against the wider market is reported at 0.29. Daily returns over the trailing 10 years annualize to a volatility of 28.58%. Over the trailing twelve months the price has returned +34.27%. Across 10 years the annualized return works out at +8.81%.

Growth & Income

LSBK pays a dividend yielding 2.07%. That is 0.6 percentage points below the Banks - Regional median yield of 2.7%. At the indicated rate that is $0.36 a share a year. The ex-dividend date on file is August 3, 2026. Dividends are recorded for 10 calendar years; 2026 shows 3 payments totalling $0.27 a share. The year before, 2025, totalled $0.31 a share.

2026 is still running; the price is +20.56% year to date. Across the complete calendar years on file, 2025 returned +48.21% and 2022 returned −15.01%. Of the 9 complete calendar years on file, 5 finished higher.

Peer Comparison

Lake Shore Bancorp, Inc. (LSBK) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
Lake Shore Bancorp, Inc.	LSBK	$136.50M	15.3
Mizuho Financial Group, Inc.	MFG	$135.92B	16.0
HDFC Bank Limited	HDB	$119.10B	16.0
ICICI Bank Limited	IBN	$108.74B	18.7

The Banks - Regional industry average P/E ratio is 12.6x. Lake Shore Bancorp, Inc. trades at a P/E of 15.3.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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About Lake Shore Bancorp, Inc.

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.

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