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Lake Shore Bancorp Inc

LSBK

13.100USD

-0.010-0.08%
Close 09/19, 16:00ETQuotes delayed by 15 min
102.22MMarket Cap
17.69P/E TTM

Lake Shore Bancorp Inc

13.100

-0.010-0.08%

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking
185 / 400
Overall Ranking
358 / 4720
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.

Company 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%.
Overvalued
The company’s latest PB is 1.10, at a high 3-year percentile range.
Institutional Selling
The latest institutional holdings are 4.34M shares, decreasing 1.69% quarter-over-quarter.
Held by The Vanguard
Star Investor The Vanguard holds 19.77K shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 8.70, which is higher than the Banking Services industry's average of 7.06. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 6.11M, representing a year-over-year increase of 20.26%, while its net profit experienced a year-over-year increase of 71.95%.

Score

Industry at a Glance

Previous score
8.70
Change
0

Financials

6.55

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data

Quality of Earnings

10.00

Operational Efficiency

10.00

Growth Potential

7.83

Shareholder Returns

9.13

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 17.01, which is -0.62% below the recent high of 16.91 and 29.88% above the recent low of 11.93.

Score

Industry at a Glance

Previous score
1.20
Change
0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 185/400
No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

There is no earnings forecast score for this company; the Banking Services industry's average is 7.39.

Score

Industry at a Glance

Previous score
0.00
Change
0

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: 2025-09-19

The company’s current price momentum score is 7.31, which is lower than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 13.48 and the support level at 12.74, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
7.31
Change
-0.23

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(2)
Neutral(4)
Buy(0)
Indicators
Value
Direction
MACD(12,26,9)
0.025
Neutral
RSI(14)
49.655
Neutral
STOCH(KDJ)(9,3,3)
51.439
Neutral
ATR(14)
0.187
High Vlolatility
CCI(14)
-36.302
Neutral
Williams %R
58.333
Sell
TRIX(12,20)
0.043
Sell
StochRSI(14)
87.258
Overbought
Moving Average
Sell(4)
Neutral(0)
Buy(2)
Indicators
Value
Direction
MA5
13.070
Buy
MA10
13.048
Buy
MA20
13.142
Sell
MA50
13.108
Sell
MA100
14.303
Sell
MA200
14.444
Sell

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 55.95%, representing a quarter-over-quarter decrease of 25.70%. 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
5.00
Change
0

Institutional Shareholding

No Data

Shareholder Activity

Name
Shares Held
Chg %
Lake Shore, MHC
3.64M
--
Stilwell Value LLC
121.89K
--
M3F, Inc.
129.13K
+17.40%
HBKS Wealth Advisors
70.43K
+2.54%
Liddell (Kim C)
42.67K
+0.04%
Dimensional Fund Advisors, L.P.
32.50K
+3.58%
Minerva Advisors LLC
30.12K
--
McGrath (John P.)
29.68K
--
Werdein (Jeffrey M.)
28.35K
+0.06%
Sanvidge (Kevin M)
24.86K
--
1
2

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 2.91, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.38. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.

Score

Industry at a Glance

Previous score
2.91
Change
0
Beta vs S&P 500 index
0.37
VaR
+3.16%
240-Day Maximum Drawdown
+100.00%
240-Day Volatility
--
Return
Best Daily Return
60 days
+2.19%
120 days
+5.67%
5 years
+18.51%
Worst Daily Return
60 days
-24.32%
120 days
-24.32%
5 years
-24.32%
Sharpe Ratio
60 days
-1.21
120 days
-0.82
5 years
+0.24
Risk Assessment
Maximum Drawdown
240 days
+100.00%
3 years
+100.00%
5 years
+100.00%
Return-to-Drawdown Ratio
240 days
-0.03
3 years
+0.00
5 years
-0.01
Skewness
240 days
-1.99
3 years
-0.88
5 years
-0.92
Volatility
Realised Volatility
240 days
--
5 years
--
Standardised True Range
240 days
+4.05%
5 years
+3.15%
Downside Risk-Adjusted Return
120 days
-65.46%
240 days
-65.46%
Maximum Daily Upside Volatility
60 days
+51.80%
Maximum Daily Downside Volatility
60 days
+55.69%
Liquidity
Average Turnover Rate
60 days
+0.81%
120 days
+0.45%
5 years
--
Turnover Deviation
20 days
-100.00%
60 days
-100.00%
120 days
-100.00%

Peer Comparison

Banking Services
Lake Shore Bancorp Inc
Lake Shore Bancorp Inc
LSBK
4.56 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Enova International Inc
Enova International Inc
ENVA
7.58 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Dime Community Bancshares Inc
Dime Community Bancshares Inc
DCOM
7.49 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
East West Bancorp Inc
EWBC
7.43 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
GATX Corp
GATX Corp
GATX
7.43 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
UMB Financial Corp
UMB Financial Corp
UMBF
7.41 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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