---
title: "Lake Shore Bancorp, Inc. (LSBK.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/LSBK.US.md"
symbol: "LSBK.US"
name: "Lake Shore Bancorp, Inc."
industry: "Regional Banks"
datetime: "2026-05-21T15:00:41.009Z"
locales:
  - [en](https://longbridge.com/en/quote/LSBK.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/LSBK.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/LSBK.US.md)
---

# Lake Shore Bancorp, Inc. (LSBK.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [mylsbank.com](https://mylsbank.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-21T04:30:18.000Z

**Overall: C (0.44)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 269 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 13.79% |  |
| Net Profit YoY | 63.55% |  |
| P/B Ratio | 0.87 |  |
| Dividend Ratio | 2.29% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 123691093.24 |  |
| Revenue | 29353000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 6.98% | C |
| Profit Margin | 27.71% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 13.79% | B |
| Net Profit YoY | 63.55% | B |
| Total Assets YoY | 4.79% | C |
| Net Assets YoY | 57.04% | A |
| Cash Flow Margin | 0.00% | D |
| OCF YoY | 13.79% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Lake Shore Bancorp, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "13.79%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "63.55%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.87",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "2.29%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "123691093.24",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "29353000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "6.98%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "27.71%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "13.79%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "63.55%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "4.79%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "57.04%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "0.00%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "13.79%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 15.20 | 204/329 | 17.55 | 16.61 | 15.69 |
| PB | 0.87 | 42/329 | 1.00 | 0.86 | 0.78 |
| PS (TTM) | 4.21 | 220/329 | 4.28 | 3.89 | 3.50 |
| Dividend Yield | 2.29% | 158/329 | 3.75% | 3.36% | 2.32% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/LSBK.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/LSBK.US/norm.md)
- [Related News](https://longbridge.com/en/quote/LSBK.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/LSBK.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**