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LSBK

BULLISH
$15.68 Live
Lake Shore Bancorp, Inc. · NASDAQ
$10.49 52W Range $15.75
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 14, 2026
Market cap
$122.87M
P/E
16.16
ROE
6.3%
Profit margin
25.9%
Debt/Equity
N/A
Dividend yield
2.3%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
LSBK presents a strong value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a significant discount to its Graham Number ($20.52) and Intrinsic Value ($28.61). The company is trading below book value (P/B 0.81), which is a classic bullish indicator for regional banks. While revenue growth is modest at 3.50%, the company has demonstrated impressive earnings growth of 37.20% YoY. Despite a bearish technical trend score, the fundamental valuation and sustainable dividend payout suggest significant upside potential.

Key Strengths

Trading at a discount to book value (P/B 0.81)
Strong earnings growth (37.20% YoY and 31.70% Q/Q)
Significant margin of safety relative to Graham Number ($20.52)
Sustainable dividend payout ratio (37.11%)
Strong long-term price performance (124.1% over 3 years)

Key Risks

Low Return on Equity (ROE) of 6.28% compared to industry leaders
Slow organic revenue growth (3.50% YoY)
Bearish technical trend (10/100) suggesting potential short-term momentum loss
Lack of analyst coverage and institutional visibility
Small market capitalization ($0.12B) increasing volatility risk
AI Fair Value Estimate
Based on comprehensive analysis
$22.45
+43.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
70
Strong
Value
90
Future
65
Past
85
Health
50
Dividend
60
AI Verdict
Undervalued Value Play
Key drivers: Price-to-Book discount, Earnings acceleration, Deep discount to intrinsic value
Confidence
80%
Value
90/100

Ref P/E 16.16, P/B 0.81, Graham Number $20.52

Positives
  • P/B 0.81
  • Price well below Graham Number
  • P/E lower than sector average
Watchpoints
  • Price is currently near 52-week high
Future
65/100

Ref Revenue Growth 3.50%, Earnings Growth 37.20%

Positives
  • Strong Q/Q earnings growth
  • Positive earnings trajectory
Watchpoints
  • Stagnant revenue growth
  • Low ROE
Past
85/100

Ref 1Y, 3Y, and 5Y price changes

Positives
  • Consistent multi-year growth
  • Strong 1Y return of 51.9%
Watchpoints
No urgent risks highlighted.
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Piotroski F-Score 4/9 indicates stability
Watchpoints
  • F-Score is not in the 'Strong' range
  • Lack of Altman Z-Score data
Dividend
60/100

Ref Yield 2.30%, Payout 37.11%

Positives
  • Conservative payout ratio
  • Consistent dividend rate
Watchpoints
  • Modest yield (2.30%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$15.68

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LSBK and closest competitors.

Updated 2026-04-13
LSB
Lake Shore Bancorp, Inc.
Primary
5Y
+69.6%
3Y
+124.1%
1Y
+51.9%
6M
+24.0%
1M
+1.8%
1W
+1.8%
AFB
Affinity Bancshares, Inc.
Peer
5Y
+90.8%
3Y
+37.0%
1Y
+8.5%
6M
+2.0%
1M
-3.1%
1W
+0.2%
HYN
Hoyne Bancorp, Inc.
Peer
5Y
+14.9%
3Y
+14.9%
1Y
+14.9%
6M
+14.9%
1M
+11.7%
1W
+7.5%
BTA
BlackRock Long-Term Municipal Advantage Trust
Peer
5Y
-3.9%
3Y
+10.0%
1Y
+2.3%
6M
+10.9%
1M
+1.1%
1W
-1.8%
MGY
Magyar Bancorp, Inc.
Peer
5Y
+73.9%
3Y
+80.7%
1Y
+32.1%
6M
+5.2%
1M
+2.8%
1W
+2.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
16.16
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.81
P/S Ratio
4.39
EV/Revenue
1.85
EV/EBITDA
N/A
Market Cap
$122.87M

Profitability

Profit margins and return metrics

Profit Margin 25.94%
Operating Margin 33.37%
Gross Margin N/A
ROE 6.28%
ROA 1.03%

Growth

Revenue and earnings growth rates

Revenue Growth +3.5%
Earnings Growth +37.2%
Q/Q Revenue Growth +14.01%
Q/Q Earnings Growth +31.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$8.76

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
26.5%
Total Assets
$0.7B
Liabilities
$0.6B
Equity
$0.1B
Debt/Equity
4.14x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
101%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-28
$N/A

Financial Services Sector Comparison

Comparing LSBK against 404 companies in the Financial Services sector (68 bullish, 175 neutral, 161 bearish)
P/E Ratio
16.16
This Stock
vs
49.16
Sector Avg
-67.1% (Discount)
Return on Equity (ROE)
6.28%
This Stock
vs
-0.06%
Sector Avg
-10344.0% (Below Avg)
Profit Margin
25.94%
This Stock
vs
60.11%
Sector Avg
-56.8% (Weaker)
Revenue Growth
3.5%
This Stock
vs
42.19%
Sector Avg
-91.7% (Slower)

Similar Companies

Peer comparison within the same industry

LSBK Lake Shore Bancorp, Inc.
BULLISH
Mkt Cap
$123M
P/E
16.2
ROE
6.3%
Price
$15.68
AFBI Affinity...
NEUTRAL
Mkt Cap
$123M
P/E
15.5
ROE
6.5%
Price
$19.95
 Compare with LSBK
HYNE Hoyne Bancorp, Inc.
BEARISH
Mkt Cap
$120M
P/E
536.3
ROE
0.2%
Price
$16.09
 Compare with LSBK
BTA BlackRock...
BEARISH
Mkt Cap
$127M
P/E
-
ROE
-6.4%
Price
$9.42
 Compare with LSBK
MGYR Magyar Bancorp, Inc.
BULLISH
Mkt Cap
$115M
P/E
10.3
ROE
9.3%
Price
$17.76
 Compare with LSBK

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

SEGARRA ANN M
Director
Stock Award
2026-03-18
620 shares
LIDDELL KIM C
Officer of Subsidiary Company
Stock Award
2026-03-18
6,285 shares
BRAUTIGAM SHARON E
Director
Stock Award
2026-03-18
527 shares
MCGRATH JOHN P.
Director
Stock Award
2026-03-18
589 shares
SANVIDGE KEVIN M
Chairman of the Board
Stock Award
2026-03-18
893 shares
WERDEIN JEFFREY M.
Officer
Stock Award
2026-03-18
3,025 shares
MEHLTRETTER JOHN L
Director
Stock Award
2026-03-18
667 shares
PASSAFARO RONALD J
Director
Stock Award
2026-03-18
573 shares
DEBERGALIS MICHELLE M.
Director
Stock Award
2026-03-18
480 shares
GILDEN TAYLOR M
Chief Financial Officer
Stock Award
2026-03-18
3,028 shares
SANVIDGE KEVIN M
Chairman of the Board
Gift
2025-12-10
1,382 shares
SANVIDGE KEVIN M
Chairman of the Board
Gift
2025-12-10
1,382 shares
SEGARRA ANN M
Director
Stock Award
2025-12-09
5,058 shares
BRAUTIGAM SHARON E
Director
Stock Award
2025-12-09
893 shares
SANVIDGE KEVIN M
Chairman of the Board
Stock Award
2025-12-09
893 shares
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning LSBK from our newsroom.

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