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Lake Shore Bancorp Inc

LSBK

13.830USD

-0.440-3.08%

Close 11/06, 16:00（ET）Quotes delayed by 15 min

108.23MMarket Cap

15.91P/E TTM



Lake Shore Bancorp Inc

13.830

-0.440-3.08%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Lake Shore Bancorp Inc

Currency: USD Updated: 2025-11-05

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. The company is performing well in the stock market, with strong fundamentals and technicals supporting the current trend. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Lake Shore Bancorp Inc's Score

Industry at a Glance

Industry Ranking

202 / 407

Overall Ranking

326 / 4616

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Lake Shore Bancorp Inc Highlights

StrengthsRisks

Lake Shore Bancorp, Inc. is the mid-tier holding company of Lake Shore Savings Bank (the Bank), a federally chartered, community-oriented financial institution headquartered in Dunkirk, New York. The Bank has 11 full-service branch locations in Western New York, including five in Chautauqua County and six in Erie County. The Bank offers a range of retail and commercial lending and deposit services. The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, primarily in commercial real estate loans, one-to four-family residential mortgage loans, home equity lines of credit and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its primary sources of funds for lending and investments are deposits, borrowings, brokered deposits, receipts of principal and interest payments on loans and securities.

Growing

The company is in a growing phase, with the latest annual income totaling USD 20.82M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 21.94%.

Undervalued

The company’s latest PB is 0.80, at a low 3-year percentile range.

Institutional Buying

The latest institutional holdings are 1.17M shares, increasing 34.72% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 19.77K shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-05

The company's current financial score is 8.70, which is higher than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 6.36M, representing a year-over-year increase of 18.36%, while its net profit experienced a year-over-year increase of 77.10%.

Score

Industry at a Glance

Previous score

8.70

Change



Financials

7.12

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.23

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.15

Key Metrics

Free cash flow

No Data

Lake Shore Bancorp Inc's Company Valuation

Currency: USD Updated: 2025-11-05

The company’s current valuation score is 5.98, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 15.99, which is 59.28% below the recent high of 25.47 and 100.00% above the recent low of 0.00.

Score

Industry at a Glance

Previous score

5.98

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 202/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-05

There is no earnings forecast score for this company; the Banking Services industry's average is 7.41.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-05

The company’s current price momentum score is 9.21, which is higher than the Banking Services industry's average of 7.66. Sideways: Currently, the stock price is trading between the resistance level at 14.90 and the support level at 13.07, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.48

Change

-0.27

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(3)

Neutral(2)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.200

Buy

RSI(14)

61.914

Neutral

STOCH(KDJ)(9,3,3)

73.143

Sell

ATR(14)

0.263

High Vlolatility

CCI(14)

68.768

Neutral

Williams %R

27.778

Buy

TRIX(12,20)

0.332

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(2)

Neutral(0)

Buy(4)

Indicators

Value

Direction

MA5

14.034

Sell

MA10

13.826

Buy

MA20

13.295

Buy

MA50

13.172

Buy

MA100

13.573

Buy

MA200

14.444

Sell

Institutional Confidence

Currency: USD Updated: 2025-11-05

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 15.00%, representing a quarter-over-quarter decrease of 73.20%. The largest institutional shareholder is The Vanguard, holding a total of 19.77K shares, representing 0.25% of shares outstanding, with 68.71% decrease in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Lake Shore, MHC

3.64M

Stilwell Value LLC

738.67K

+506.00%

M3F, Inc.

106.53K

-17.50%

HBKS Wealth Advisors

67.83K

-3.68%

Liddell (Kim C)

42.67K

+0.04%

Dimensional Fund Advisors, L.P.

33.19K

+2.12%

Minerva Advisors LLC

30.47K

+1.18%

McGrath (John P.)

29.68K

Werdein (Jeffrey M.)

28.35K

+0.06%

Courier Capital, LLC

18.81K

Risk Assessment

Currency: USD Updated: 2025-11-05

The company’s current risk assessment score is 3.44, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.31. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.