Lake Shore Bancorp, Inc. (LSBK) AI Stock Analysis

Lake Shore Bancorp, Inc., headquartered in Dunkirk, New York, serves as the savings and loan holding company for Lake Shore Savings Bank. Established in 1891 and operating as a subsidiary of Lake Shore, MHC, the company provides retail and commercial banking solutions across eleven full-service branches in Chautauqua County and Erie County. Its deposit offerings include checking, regular savings, money market, health savings, retirement, and interest on lawyer accounts. The company's lending activities encompass commercial real estate, commercial construction, and home equity lines of credit, alongside consumer loans such as vehicle, personal consumer, and secured property improvement financing.

Between FY2020 and FY2025, Lake Shore Bancorp achieved a 5-year revenue compound annual growth rate of 7.7%. Revenue rose from $27.8M in FY2021 to $29.5M in FY2022, $36.4M in FY2023, $38.1M in FY2024, and reached $39.6M in FY2025. Operating margin was 26.8% in FY2021, dipped to 15.4% in FY2024, and rebounded to 22.1% in FY2025 as net income reached $7.3M and diluted EPS hit $1.09. Over the trailing twelve months ended June 30, 2026, revenue stood at $30.0M with a profit margin of 28.0% and EPS of $1.15. In the latest quarter, revenue grew 8.7% year-over-year while quarterly earnings expanded 16.0%.

As of June 30, 2026, Lake Shore Bancorp held total assets of $736.7M, including $56.6M in cash and short-term investments, against shareholders' equity of $144.8M and a current ratio of 0.01. During FY2025, operating cash flow generated $8.0M and free cash flow reached $7.4M. Capital expenditures for the year were $560,000. Capital return to shareholders in FY2025 included $1.0M in dividends paid and $51,000 allocated to share buybacks, while the five-year share count change was -2.9%.

Lake Shore Bancorp trades at a trailing price-to-earnings multiple of 15.9x and a forward P/E of 14.4x, both above the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio is 4.8x compared to the peer median of 3.2x, while its price-to-book ratio stands at 1.0x. Over the past year, the stock returned 48.0%, outpacing the S&P 500 benchmark return of 16.8%. Over a 5-year span, the stock's return of 89.2% also exceeded the S&P 500 return of 83.0%.

Lake Shore Bancorp pays a forward annual dividend of $0.36 per share, providing a 1.97% dividend yield with a payout ratio of 32.2%. Dividends are distributed quarterly, with the last ex-dividend date on August 3, 2026. The company has paid dividends for 3 consecutive years, though its 5-year annualized dividend growth stands at -2.9%.

Wall Street analyst rating counts, formal price targets, and forward consensus estimates are not provided for Lake Shore Bancorp. The company's next scheduled earnings date is October 28, 2026. Recent financial results show solid operational momentum, with earnings expanding 16.0% year-over-year in the quarter ended June 30, 2026.

This page is an AI-written research summary of Lake Shore Bancorp, Inc. (LSBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: LSBK income statement, LSBK balance sheet, LSBK key metrics, LSBK chart. See the LSBK stock overview for the latest quote and news.