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Lake Shore Bancorp, Inc. (LSBK)

Financial Services | Banks - Regional | Dunkirk, United States | NasdaqGM
15.85 USD +0.33 (2.126%) ⇧ (April 17, 2026, 4 p.m. EDT)
After hours: 15.85 +0.03 (0.190%) ⇧ (April 17, 2026, 4:10 p.m. EDT)

Short-term: ★★★☆☆ | Long-term: ★★★☆☆ | Dividends: ★★★☆☆
Hot Take | April 11, 2026, 1:33 p.m. EDT

LSBK appears to have a relatively stable dividend yield of 2.29%, with a consistent payout ratio of 0.37, suggesting a sustainable dividend policy. The recent price history shows some volatility but has remained within the 52-week range, with a current price near the upper end of that range. The stock has shown some upward momentum in the past few weeks, but the overall trend is mixed. The low beta of 0.31 suggests lower volatility compared to the market, which could be appealing for risk-averse investors. However, the stock's low market cap and relatively modest earnings growth may limit its appeal for long-term investors. The recent news about activist investors and stock conversions could signal potential for future growth, but the short-term forecasting model shows a very small positive prediction, which may not be significant enough to justify a high short-term rating. Overall, this stock might be considered a moderate opportunity for both short-term and long-term investors, but it's not a strong buy at this time.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.012531
AutoARIMA0.012532
MSTL0.012943
AutoTheta0.025944

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 25%
H-stat 4.46
Ljung-Box p 0.000
Jarque-Bera p 0.000
Excess Kurtosis 2.06
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-02-01
Last Dividend Date 2026-02-01
Revenue per Share 3.731
Market Cap 124,634,704
Trailing P/E 16.34
Beta 0.31
Profit Margins 25.94%
Website https://mylsbank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.58% 1.97% 2.55% 3.21%
Dividend History
Date Dividend Yield %
2026-02-02 0.090000 0.580645
2025-11-03 0.090000 0.642072
2025-08-04 0.090000 0.745709
2025-02-10 0.132939 1.180769
2024-11-04 0.132939 1.370850
2024-08-12 0.132939 1.463562
2024-05-03 0.132939 1.674436
2022-11-03 0.132939 1.480710
2022-08-01 0.132939 1.425069
2022-05-06 0.118168 1.183681
2022-02-23 0.118168 1.184523
2021-11-08 0.103397 1.053735
2021-08-05 0.103397 1.052327
2021-05-07 0.096012 0.998777
2021-02-25 0.096012 0.979355
2020-11-04 0.096012 1.217463
2020-08-05 0.088626 1.307887
2020-05-06 0.088626 1.059267
2020-02-21 0.088626 0.934461
2019-11-06 0.088626 0.977706
2019-08-02 0.088626 0.997619
2019-05-03 0.088626 0.995621
2019-02-20 0.088626 0.953749
2018-11-05 0.073855 0.831636
2018-08-06 0.073855 0.730654
2018-05-04 0.073855 0.750077
2018-02-26 0.073855 0.779874
2017-11-03 0.059084 0.651564
2017-08-08 0.059084 0.658213
2017-05-09 0.059084 0.662423
2017-02-21 0.059084 0.657027
2016-11-08 0.051699 0.656639
2016-08-09 0.051699 0.700995
2016-05-05 0.051699 0.619230
2016-02-24 0.051699 0.709712
2015-11-05 0.051699 0.695527
2015-07-30 0.051699 0.698637
2015-05-06 0.051699 0.695580
2015-02-17 0.051699 0.705939
2014-10-31 0.051699 0.751360
2014-08-04 0.051699 0.789616
2014-05-02 0.051699 0.781458
2014-02-13 0.051699 0.780232
2013-11-01 0.051699 0.816078
2013-08-02 0.051699 0.835455
2013-05-03 0.051699 0.862370
2013-03-07 0.051699 0.917939
2012-11-02 0.029542 0.559981
2012-08-02 0.051699 0.998341
2012-05-03 0.051699 1.015286
2012-02-06 0.051699 1.049736
2011-11-03 0.051699 1.050862
2011-08-25 0.051699 1.037369
2011-05-05 0.051699 0.967298
2011-02-03 0.051699 1.062119
2010-11-04 0.044313 1.067874
2010-08-05 0.044313 1.149869
2010-05-06 0.044313 1.151054
2010-02-04 0.044313 1.214399
2009-10-28 0.036928 0.999039
2009-07-29 0.036928 1.118798
2009-04-29 0.036928 1.106319
2009-01-28 0.036928 1.097217
2008-10-28 0.036928 0.943471
2008-07-31 0.036928 0.947944
2008-04-30 0.036928 0.866636
2008-01-31 0.029542 0.708371
2007-10-31 0.029542 0.653241
2007-08-01 0.022157 0.485631
2007-05-02 0.022157 0.395513
2007-01-31 0.022157 0.395196
2006-11-10 0.022157 0.417449
Additional Data
dividendRate 0.36
dividendYield 2.28
exDividendDate 2026-02-02
trailingAnnualDividendRate 0.27
trailingAnnualDividendYield 0.017396908
lastDividendValue 0.09
lastDividendDate 2026-02-02
dividendDate 2026-02-11

Info Dump

Attribute Value
52 Week Change 0.5007622
Address1 31 East Fourth Street
All Time High 15.85
All Time Low 3.183161
Ask 15.26
Ask Size 2
Average Daily Volume10 Day 7,270
Average Daily Volume3 Month 9,629
Average Volume 9,629
Average Volume10Days 7,270
Beta 0.311
Bid 15.55
Bid Size 1
Book Value 19.291
City Dunkirk
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 15.85
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 15.85
Day Low 15.57
Display Name Lake Shore Bancorp
Dividend Date 1,770,768,000
Dividend Rate 0.36
Dividend Yield 2.28
Earnings Growth 0.372
Earnings Quarterly Growth 0.317
Earnings Timestamp 1,769,029,200
Earnings Timestamp End 1,777,406,400
Earnings Timestamp Start 1,777,406,400
Ebitda Margins 0.0
Enterprise To Revenue 1.897
Enterprise Value 53,151,660
Eps Trailing Twelve Months 0.97
Esg Populated 0
Ex Dividend Date 1,769,990,400
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 15.3836
Fifty Day Average Change 0.46640015
Fifty Day Average Change Percent 0.03031801
Fifty Two Week Change Percent 50.07622
Fifty Two Week High 15.85
Fifty Two Week High Change 0.0
Fifty Two Week High Change Percent 0.0
Fifty Two Week Low 10.5613
Fifty Two Week Low Change 5.2887
Fifty Two Week Low Change Percent 0.5007622
Fifty Two Week Range 10.5613 - 15.85
Financial Currency USD
First Trade Date Milliseconds 1,144,243,800,000
Five Year Avg Dividend Yield 3.7
Float Shares 5,347,526
Full Exchange Name NasdaqGM
Full Time Employees 87
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 28,018,000
Has Pre Post Market Data 1
Held Percent Insiders 0.57141995
Held Percent Institutions 0.27837
Implied Shares Outstanding 7,863,388
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,769,990,400
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 124,634,704
Market State CLOSED
Max Age 86,400
Message Board Id finmb_4593858
Most Recent Quarter 1,767,139,200
Net Income To Common 7,269,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 124,398,798
Open 15.57
Operating Cashflow 7,998,000
Operating Margins 0.33365002
Payout Ratio 0.3711
Phone 716 366 4070
Post Market Change 0.030000687
Post Market Change Percent 0.18963772
Post Market Price 15.85
Post Market Time 1,776,456,605
Previous Close 15.52
Price Hint 2
Price To Book 0.82162666
Price To Sales Trailing12 Months 4.44838
Profit Margins 0.25944
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.32999992
Regular Market Change Percent 2.126288
Regular Market Day High 15.85
Regular Market Day Low 15.57
Regular Market Day Range 15.57 - 15.85
Regular Market Open 15.57
Regular Market Previous Close 15.52
Regular Market Price 15.85
Regular Market Time 1,776,456,000
Regular Market Volume 27,434
Return On Assets 0.010290001
Return On Equity 0.062800005
Revenue Growth 0.035
Revenue Per Share 3.731
Sand P52 Week Change 0.38150132
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 7,863,388
Shares Percent Shares Out 0.0025
Shares Short 19,492
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 11,412
Short Name Lake Shore Bancorp, Inc.
Short Percent Of Float 0.0027
Short Ratio 1.54
Source Interval 15
State NY
Symbol LSBK
Total Cash 64,280,000
Total Cash Per Share 8.755
Total Debt 1,055,000
Total Revenue 28,018,000
Tradeable 0
Trailing Annual Dividend Rate 0.27
Trailing Annual Dividend Yield 0.017396908
Trailing Eps 0.97
Trailing P E 16.340206
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 14.041847
Two Hundred Day Average Change 1.8081532
Two Hundred Day Average Change Percent 0.12876889
Type Disp Equity
Volume 27,434
Website https://mylsbank.com
Zip 14,048