Stock Scorecard

Stock Summary for Lake Shore Bancorp Inc (LSBK) - $15.51 as of 3/3/2026 3:30:32 AM EST

Total Score

22 out of 30

Safety Score

55 out of 100

Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy

Growth List Algorithm Criteria for LSBK

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for LSBK

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for LSBK

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for LSBK

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for LSBK (55 out of 100)

Stock Price Rating (Max of 10) 6
Historical Stock Price Rating (Max of 10) 5
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 6
Book Value to Price (Max of 10) 8
Analyst Buy Ratings (Max of 5) 0
Analyst Strong Buy Ratings (Max of 5) 0
Dividend Yield Percentage (Max of 10) 6
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 0
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for LSBK

Company Overview
Ticker LSBK
Company Name Lake Shore Bancorp Inc
Country USA
Description Lake Shore Bancorp, Inc. is the savings and loan holding company of Lake Shore Savings Bank offering banking products and services.
Sector Name FINANCIAL SERVICES
Industry Name BANKS - REGIONAL
Most Recent Quarter 9/30/2025
Next Earnings Date N/A

Stock Price History
Last Day Price 15.51
Price 4 Years Ago 13.45
Last Day Price Updated 3/3/2026 3:30:32 AM EST
Last Day Volume 8,086
Average Daily Volume 6,716
52-Week High 15.75
52-Week Low 9.84
Last Price to 52 Week Low 57.62%

Valuation Measures
Trailing PE 14.91
Industry PE 16.01
Sector PE 39.33
5-Year Average PE 15.18
Free Cash Flow Ratio 1.43
Industry Free Cash Flow Ratio 11.69
Sector Free Cash Flow Ratio 23.06
Current Ratio Most Recent Quarter 0.20
Total Cash Per Share 10.88
Book Value Per Share Most Recent Quarter 18.00
Price to Book Ratio 0.80
Industry Price to Book Ratio 1.15
Sector Price to Book Ratio 1.67
Price to Sales Ratio Twelve Trailing Months 4.04
Industry Price to Sales Ratio Twelve Trailing Months 3.34
Sector Price to Sales Ratio Twelve Trailing Months 4.04
Analyst Buy Ratings N/A
Analyst Strong Buy Ratings N/A

Share Statistics
Total Shares Outstanding 7,686,800
Market Capitalization 119,222,268
Institutional Ownership 20.09%

Dividends
Ex-Dividend Date 11/3/2025
Previous Dividend Amount 0.0900
Current Dividend Amount 0.0900
Total Years Dividend Increasing 0
Trailing Annual Dividend Rate 0.45
Trailing Annual Dividend Yield 2.90%
Forward Annual Dividend Rate 0.36
Forward Annual Dividend Yield 2.32%
5-Year Dividend Payments Count 14
3-Year Average Dividend Yield 0.00%
5-Year Average Dividend Yield 0.00%
1-Year Dividend Growth Rate Percentage -47.06%
3-Year Dividend Growth Rate Percentage -27.24%
5-Year Dividend Growth Rate Percentage -6.94%
All-Time Dividend Growth Rate Percentage 11.66%
Dividend Payout Ratio 46.88%

Income Statement
Quarterly Earnings Growth YOY 35.50%
Annual Earnings Growth 47.41%
Reported EPS 12 Trailing Months 0.96
Reported EPS Past Year 0.85
Reported EPS Prior Year 0.86
Net Income Twelve Trailing Months 7,269,000
Net Income Past Year 7,269,000
Net Income Prior Year 4,931,000
Quarterly Revenue Growth YOY 20.10%
5-Year Revenue Growth 7.68%
Operating Margin Twelve Trailing Months 37.00%

Balance Sheet
Total Cash Most Recent Quarter 83,638,000
Total Cash Past Year 33,131,000
Total Cash Prior Year 33,131,000
Net Cash Position Most Recent Quarter 81,638,000
Net Cash Position Past Year 22,881,000
Long Term Debt Past Year 10,250,000
Long Term Debt Prior Year 10,250,000
Total Debt Most Recent Quarter 2,000,000
Equity to Debt Ratio Past Year 0.90
Equity to Debt Ratio Most Recent Quarter 0.99
Total Stockholder Equity Past Year 89,868,000
Total Stockholder Equity Prior Year 89,868,000
Total Stockholder Equity Most Recent Quarter 139,306,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 8,649,000
Free Cash Flow Per Share Twelve Trailing Months 1.13
Free Cash Flow Past Year 2,394,000
Free Cash Flow Prior Year 5,814,000

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.10
MACD Signal 0.12
20-Day Bollinger Lower Band 13.46
20-Day Bollinger Middle Band 14.75
20-Day Bollinger Upper Band 16.04
Beta 0.29
RSI 55.82
50-Day SMA 0.00
150-Day SMA 0.00
200-Day SMA 0.00

System
Modified 3/3/2026 3:31:18 AM EST