Why Lake Shore Bancorp, Inc.’s (LSBK) Stock Is Down 27.17%
As of Monday, July 21, Lake Shore Bancorp, Inc.’s LSBK share price has dipped by 27.17%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
A+ Stock Grade Summary:
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COMPANY SUMMARY
Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.
Commentary & Analysis
Why Lake Shore Bancorp, Inc.’s (LSBK) Stock Is Down 25.14%
As of Monday, July 21, Lake Shore Bancorp, Inc.’s LSBK share price has dipped by 25.14%, which has investors questioning if this is right time to buy.Omar Beirat
Why Lake Shore Bancorp, Inc.’s (LSBK) Stock Is Up 18.51%
As of Thursday, January 30, Lake Shore Bancorp, Inc.’s LSBK share price has surged by 18.51%, which has investors questioning if this is right time to sell.Omar Beirat
Is Lake Shore Bancorp, Inc. (LSBK) Stock a Good Investment?
Learn more about Lake Shore Bancorp, Inc.'s (LSBK) stock grades for Value and determine whether this Banks stock meets your investment needs.Jack Gilleland
Is Lake Shore Bancorp, Inc. (LSBK) a Good Dividend Stock?
Learn more about Lake Shore Bancorp, Inc.'s (LSBK) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Issac Deleon
Financial Summary
| Share Statistics | LSBK | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $127.0 | $730.8 | 23% |
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| Shares Out (Mil) | 7.4 | 15.2 | 17% |
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| Institutional Ownership | 70.9% | 83.5% | 43% |
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| Float (Mil) | 5.4 | 21.7 | 13% |
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| Beta | 0.29 | 0.45 | 17% |
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| Avg Daily Volume (000s) | 10 | 45 | 17% |
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| Price Change (52-week) |
30.9% | 93.1% | 72% |
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| Growth | LSBK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.6% | 7.7% | 39% |
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| Net Income (5yr) | 9.7% | 11.1% | 54% |
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| EPS (5yr) | 11.4% | 10.1% | 49 |
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| Dividends (5yr) | (6.1%) | 3.7% | 66% |
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| Cash Flow (5yr) | 21.5% | (17.2%) | 80% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | LSBK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $30 | $195 | 16% |
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| Net Income (TTM) (Mil) | $8 | $55 | 45% |
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| EPS (TTM) | $1.140 | $2.500 | 62% |
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| Operating Cash Flow (TTM) (Mil) | $11 | $33 | 38% |
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| Net Cash Flow (TTM) (Mil) | ($3) | $2 | 36% |
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| Long-Term Debt (Q1) (Mil) | $0 | $99 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | LSBK | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.88 | 1.23 | 18% |
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| P/E | 15.1 | 12.3 | 38% |
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| Dividend Yield | 2.1% | 2.2% | 77% |
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| PEG (5yr hist) | 1.3 | 1.1 | 56% |
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| Ratios | LSBK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 28.0% | 29.2% | 86% |
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| ROA | 1.1% | 1.1% | 47% |
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| ROE | 7.1% | 11.3% | 48% |
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| Liabilities to Assets | 80.3% | 89.7% | 75% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 9/1/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
