Stock Scorecard
Stock Summary for Lake Shore Bancorp Inc (LSBK) - $18.40 as of 9/29/2026 7:55:40 PM EST
Total Score
14 out of 30
Safety Score
33 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible 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 (33 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) | 6 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for LSBK
Financial Details for LSBK
Company Overview |
|
|---|---|
| Ticker | LSBK |
| Company Name | Lake Shore Bancorp Inc |
| Country | N/A |
| 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 | 6/30/2026 |
| Next Earnings Date | 10/28/2026 |
Stock Price History |
|
| Last Day Price | 18.40 |
| Price 4 Years Ago | 13.45 |
| Last Day Price Updated | 9/29/2026 7:55:40 PM EST |
| Last Day Volume | 26,009 |
| Average Daily Volume | 27,584 |
| 52-Week High | 19.09 |
| 52-Week Low | 12.21 |
| Last Price to 52 Week Low | 50.70% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 24.63 |
| Sector PE | 24.03 |
| 5-Year Average PE | 23.07 |
| Free Cash Flow Ratio | 47.18 |
| Industry Free Cash Flow Ratio | 12.80 |
| Sector Free Cash Flow Ratio | 24.40 |
| Current Ratio Most Recent Quarter | 0.01 |
| Total Cash Per Share | 0.39 |
| Book Value Per Share Most Recent Quarter | 19.64 |
| Price to Book Ratio | 0.98 |
| Industry Price to Book Ratio | 1.28 |
| Sector Price to Book Ratio | 1.90 |
| Price to Sales Ratio Twelve Trailing Months | 4.75 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.48 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.22 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 7,853,800 |
| Market Capitalization | 144,509,920 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 8/3/2026 |
| Previous Dividend Amount | 0.0900 |
| Current Dividend Amount | 0.0900 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.36 |
| Trailing Annual Dividend Yield | 1.96% |
| Forward Annual Dividend Rate | 0.36 |
| Forward Annual Dividend Yield | 1.96% |
| 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 | 31.03% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 16.00% |
| Annual Earnings Growth | 47.41% |
| Reported EPS 12 Trailing Months | 1.16 |
| Reported EPS Past Year | 0.55 |
| Reported EPS Prior Year | 1.09 |
| Net Income Twelve Trailing Months | 8,389,000 |
| Net Income Past Year | 7,269,000 |
| Net Income Prior Year | 4,931,000 |
| Quarterly Revenue Growth YOY | 8.70% |
| 5-Year Revenue Growth | 7.68% |
| Operating Margin Twelve Trailing Months | 36.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 3,073,000 |
| Total Cash Past Year | 64,280,000 |
| Total Cash Prior Year | 33,131,000 |
| Net Cash Position Most Recent Quarter | 1,073,000 |
| Net Cash Position Past Year | 54,030,000 |
| 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 | 0.93 |
| Equity to Debt Ratio Most Recent Quarter | 0.99 |
| Total Stockholder Equity Past Year | 141,639,000 |
| Total Stockholder Equity Prior Year | 89,868,000 |
| Total Stockholder Equity Most Recent Quarter | 144,761,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 10,471,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.33 |
| Free Cash Flow Past Year | 7,438,000 |
| Free Cash Flow Prior Year | 2,394,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.18 |
| MACD Signal | 0.20 |
| 20-Day Bollinger Lower Band | 15.48 |
| 20-Day Bollinger Middle Band | 17.06 |
| 20-Day Bollinger Upper Band | 18.63 |
| Beta | 0.29 |
| RSI | 54.16 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 10/3/2026 3:04:48 AM EST |