Company Encyclopedia
View More
name
Lake Shore Bancorp
LSBK.US
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, commercial business loans, and home equity loans and lines of credit; commercial loans comprising business instalment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans comprising 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.
642.38 B
LSBK.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Regional BanksIndustry
Industry Ranking262/305
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE5.94%C
    • Profit Margin24.50%A
    • Gross Margin0.00%E
  • Growth ScoreB
    • Revenue YoY9.61%B
    • Net Profit YoY61.58%B
    • Total Assets YoY6.48%B
    • Net Assets YoY55.00%A
  • Cash ScoreC
    • Cash Flow Margin408.20%C
    • OCF YoY9.61%B
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

Valuation analysis

portai
P/E
1Y
3Y
5Y
10Y
P/E
-
Industry Ranking
-/-
  • P/E
  • Price
  • High
  • Median
  • Low
P/B
1Y
3Y
5Y
10Y
P/B
-
Industry Ranking
-/-
  • P/B
  • Price
  • High
  • Median
  • Low
P/S
1Y
3Y
5Y
10Y
P/S
-
Industry Ranking
-/-
  • P/S
  • Price
  • High
  • Median
  • Low
Dividend Yield
1Y
3Y
5Y
10Y
Dividend Yield
-
Industry Ranking
-/-
  • Dividend Yield
  • Price
  • High
  • Median
  • Low

Institutional View & Shareholder

Analyst Ratings

Rating
Percentage
    • Price
      --
    • Highest
      --
    • Lowest
      --
    News
    View More

    Lake Shore Bancorp To Repurchase Up To 5% Of Its Outstanding Shares Of Common Stock

    Oct 24 (Reuters) - Lake Shore Bancorp Inc:* LAKE SHORE BANCORP: TO REPURCHASE UP TO 5% OF ITS OUTSTANDING SHARES OF COMMON STOCK Source text: Further company coverage:

    Reuters·
    US
    LSBK
    -0.46%
    Reuters·
    US
    LSBK
    -0.46%

    Lake Shore Bancorp, Inc. Announces Third Quarter 2025 Financial Results | LSBK Stock News

    Lake Shore Bancorp, Inc. reported a net income of $2.4 million for Q3 2025, a 77.1% increase from Q3 2024. Year-to-date net income reached $5.3 million, up 54.1% from the previous year. The growth was driven by increased net interest income and reduced non-interest expenses. The net interest margin improved to 3.72%. The company also reduced reliance on wholesale funding and improved its capital position, maintaining a Tier 1 Leverage ratio of 16.34%.

    StockTitan·
    US
    LSBK
    -0.46%
    StockTitan·
    US
    LSBK
    -0.46%

    Lake Shore Bancorp Inc. Reports Q2 2025 Net Income of $1.9 Million, EPS Up to $0.34, Driven by Increased Net Interest and Non-Interest Income

    Lake Shore Bancorp Inc. reported Q2 2025 net income of $1.9 million, or $0.34 per diluted share, up from $1.1 million, or $0.19 per share in Q2 2024. For H1 2025, net income reached $3.0 million, compared to $2.1 million in H1 2024. The growth was driven by increased net interest and non-interest income, and reduced non-interest expenses. Additionally, the company completed a conversion from mutual to stock form, selling approximately 4.95 million shares at $10.00 each, raising $49.5 million.

    Reuters·
    US
    LSBK
    -0.46%
    Reuters·
    US
    LSBK
    -0.46%

    Lake Shore Bancorp announces approval of plan to convert to public stock company; stockholders and members approved on July 1, 2025.

    Lake Shore Bancorp, Inc. announced that on July 1, 2025, stockholders and members approved the Amended and Restated Plan of Conversion and Reorganization. This plan facilitates the transition from a mutual holding company to a fully public stock holding company, changing the Bank from a federal savings bank to a New York chartered commercial bank. Lake Shore Bancorp, Inc. (NASDAQ: LSBK) is the holding company for Lake Shore Savings Bank.

    Unusual Whales·
    US
    LSBK
    -0.46%
    Unusual Whales·
    US
    LSBK
    -0.46%

    Lake Shore Bancorp Q2 net income up rises 72% yr/yr

    Lake Shore Bancorp reported a 72% year-over-year increase in Q2 net income, attributed to strategic balance sheet management. Net interest income rose by 17.6%, while non-interest expenses decreased due to optimized operations. The company completed a conversion and stock offering, raising $49.5 million for growth. Key metrics included a net income of $1.92 million and a basic EPS of $0.34.

    Reuters·
    US
    LSBK
    -0.46%
    Reuters·
    US
    LSBK
    -0.46%
    © 2025 Longbridge｜Disclaimer