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Lake Shore Bancorp, Inc. (LSBK)

Financial Services | Banks - Regional | Dunkirk, United States | NasdaqGM
17.04 USD -0.01 (-0.059%) ⇩ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★☆☆
Hot Take | July 11, 2026, 4:55 a.m. EDT

The most compelling signal here is the robust recovery in the company's multi-year price trajectory, which has erased previous declines to end on a strong upward note. This resilience, combined with a healthy 21.7% revenue growth and an 81.9% surge in quarterly earnings, suggests the business is fundamentally turning the corner rather than being a value trap. The stock trades at a discount to book value, offering a margin of safety that aligns with the improving operational metrics. For the short term, the momentum is building but remains cautious. The price is hovering near its 50-day average, and while the statistical forecast indicates a slight upward lean, the recent trading range is narrow, suggesting consolidation before the next leg up. This warrants a 'slight upside lean' rating rather than a full-blown momentum play. Regarding income, the yield sits at a modest 2.12%. While the payout ratio is conservative at roughly 25%, indicating strong coverage, the absolute yield is not aggressive enough to be considered a primary income vehicle compared to inflation or other high-yield sectors. It is a reasonable supplement, but not a standout feature.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.019473
MSTL_1050.021756
AutoTheta0.031346
MSTL_630.033073
MSTL0.033708
AutoETS0.034158
MSTL_63_1050.034771

Forecast horizon: 60 days | Selected: AutoARIMA

Forecast Reliability
Score 46%
H-stat 15.03
Ljung-Box p 0.000
Jarque-Bera p 0.307
Excess Kurtosis 0.12
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-03
Last Dividend Date 2026-05-03
Revenue per Share 3.948
Market Cap 133,981,952
Trailing P/E 15.63
Beta 0.28
Profit Margins 27.71%
Website https://mylsbank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.57% 2.52% 2.66% 2.93%
Dividend History
Date Dividend Yield %
2026-05-04 0.090000 0.566394
2026-02-02 0.090000 0.580645
2025-11-03 0.090000 0.638298
2025-08-04 0.090000 0.736498
2025-02-10 0.132939 1.157552
2024-11-04 0.132939 1.328409
2024-08-12 0.132939 1.399684
2024-05-03 0.132939 1.578942
2022-11-03 0.132939 1.375091
2022-08-01 0.132939 1.305289
2022-05-06 0.118168 1.070231
2022-02-23 0.118168 1.059599
2021-11-08 0.103397 0.932708
2021-08-05 0.103397 0.922871
2021-05-07 0.096012 0.867825
2021-02-25 0.096012 0.843610
2020-11-04 0.096012 1.040002
2020-08-05 0.088626 1.105987
2020-05-06 0.088626 0.885606
2020-02-21 0.088626 0.774191
2019-11-06 0.088626 0.803748
2019-08-02 0.088626 0.813557
2019-05-03 0.088626 0.805367
2019-02-20 0.088626 0.765304
2018-11-05 0.073855 0.662249
2018-08-06 0.073855 0.578033
2018-05-04 0.073855 0.589969
2018-02-26 0.073855 0.609754
2017-11-03 0.059084 0.506327
2017-08-08 0.059084 0.508904
2017-05-09 0.059084 0.509552
2017-02-21 0.059084 0.502827
2016-11-08 0.051699 0.500003
2016-08-09 0.051699 0.531111
2016-05-05 0.051699 0.466670
2016-02-24 0.051699 0.532323
2015-11-05 0.051699 0.518906
2015-07-30 0.051699 0.518522
2015-05-06 0.051699 0.513576
2015-02-17 0.051699 0.518522
2014-10-31 0.051699 0.549023
2014-08-04 0.051699 0.573774
2014-05-02 0.051699 0.564520
2014-02-13 0.051699 0.560452
2013-11-01 0.051699 0.582851
2013-08-02 0.051699 0.593224
2013-05-03 0.051699 0.608700
2013-03-07 0.051699 0.643978
2012-11-02 0.029542 0.390243
2012-08-02 0.051699 0.693074
2012-05-03 0.051699 0.700005
2012-02-06 0.051699 0.718690
2011-11-03 0.051699 0.714290
2011-08-25 0.051699 0.700005
2011-05-05 0.051699 0.648152
2011-02-03 0.051699 0.707075
2010-11-04 0.044313 0.705880
2010-08-05 0.044313 0.754714
2010-05-06 0.044313 0.749998
2010-02-04 0.044313 0.785338
2009-10-28 0.036928 0.641032
2009-07-29 0.036928 0.713274
2009-04-29 0.036928 0.700287
2009-01-28 0.036928 0.689662
2008-10-28 0.036928 0.588934
2008-07-31 0.036928 0.588241
2008-04-30 0.036928 0.534765
2008-01-31 0.029542 0.434781
2007-10-31 0.029542 0.399200
2007-08-01 0.022157 0.295572
2007-05-02 0.022157 0.240005
2007-01-31 0.022157 0.239239
2006-11-10 0.022157 0.252106
Additional Data
dividendRate 0.36
dividendYield 2.12
exDividendDate 2026-05-04
trailingAnnualDividendRate 0.36
trailingAnnualDividendYield 0.021114372
lastDividendValue 0.09
lastDividendDate 2026-05-04
dividendDate 2026-05-13

Info Dump

Attribute Value
52 Week Change 0.44556677
Address1 31 East Fourth Street
All Time High 17.96
All Time Low 3.183161
Ask 15.26
Ask Size 2
Average Daily Volume10 Day 8,740
Average Daily Volume3 Month 9,278
Average Volume 9,278
Average Volume10Days 8,740
Beta 0.28
Bid 15.55
Bid Size 1
Book Value 19.319
City Dunkirk
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 17.04
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 17.04
Day Low 16.96
Display Name Lake Shore Bancorp
Dividend Date 1,778,630,400
Dividend Rate 0.36
Dividend Yield 2.12
Earnings Growth 0.882
Earnings Quarterly Growth 0.819
Earnings Timestamp 1,776,888,000
Earnings Timestamp End 1,784,750,400
Earnings Timestamp Start 1,784,750,400
Ebitda Margins 0.0
Enterprise To Revenue 2.179
Enterprise Value 63,961,884
Eps Trailing Twelve Months 1.09
Esg Populated 0
Ex Dividend Date 1,777,852,800
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 16.2266
Fifty Day Average Change 0.81340027
Fifty Day Average Change Percent 0.050127584
Fifty Two Week Change Percent 44.55668
Fifty Two Week High 17.96
Fifty Two Week High Change -0.91999817
Fifty Two Week High Change Percent -0.051224846
Fifty Two Week Low 11.5
Fifty Two Week Low Change 5.540001
Fifty Two Week Low Change Percent 0.48173922
Fifty Two Week Range 11.5 - 17.96
Financial Currency USD
First Trade Date Milliseconds 1,144,243,800,000
Five Year Avg Dividend Yield 3.7
Float Shares 5,371,533
Full Exchange Name NasdaqGM
Full Time Employees 87
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 29,353,000
Has Pre Post Market Data 1
Held Percent Insiders 0.15581
Held Percent Institutions 0.28655002
Implied Shares Outstanding 7,862,790
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,777,852,800
Last Dividend Value 0.09
Last Fiscal Year End 1,767,139,200
Last Split Date 1,753,056,000
Last Split Factor 1,354:1000
Long Business 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.
Long Name Lake Shore Bancorp, Inc.
Market us_market
Market Cap 133,981,952
Market State PRE
Max Age 86,400
Message Board Id finmb_4593858
Most Recent Quarter 1,774,915,200
Net Income To Common 8,135,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 133,352,918
Open 16.96
Operating Cashflow 10,070,000
Operating Margins 0.32516998
Payout Ratio 0.2477
Phone 716 366 4070
Previous Close 17.05
Price Hint 2
Price To Book 0.8820333
Price To Sales Trailing12 Months 4.564506
Profit Margins 0.27714002
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.00999832
Regular Market Change Percent -0.0586412
Regular Market Day High 17.04
Regular Market Day Low 16.96
Regular Market Day Range 16.96 - 17.04
Regular Market Open 16.96
Regular Market Previous Close 17.05
Regular Market Price 17.04
Regular Market Time 1,783,972,801
Regular Market Volume 1,847
Return On Assets 0.01153
Return On Equity 0.06982
Revenue Growth 0.217
Revenue Per Share 3.948
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 7,862,790
Shares Percent Shares Out 0.002
Shares Short 16,007
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 17,882
Short Name Lake Shore Bancorp, Inc.
Short Percent Of Float 0.0022
Short Ratio 1.95
Source Interval 15
State NY
Symbol LSBK
Total Cash 61,607,000
Total Cash Per Share 8.36
Total Debt 0
Total Revenue 29,353,000
Tradeable 0
Trailing Annual Dividend Rate 0.36
Trailing Annual Dividend Yield 0.021114372
Trailing Eps 1.09
Trailing P E 15.633028
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 15.0834
Two Hundred Day Average Change 1.9566011
Two Hundred Day Average Change Percent 0.12971884
Type Disp Equity
Volume 1,847
Website https://mylsbank.com
Zip 14,048