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Lake Shore Bancorp, Inc. (LSBK)

Financial Services | Banks - Regional | Dunkirk, United States | NasdaqGM
17.18 USD +0.01 (0.058%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 17.18

Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take | Aug. 22, 2026, 4:10 a.m. EDT

The immediate outlook is constructive, driven by a confluence of technical resilience and positive earnings momentum. The stock has successfully defended its key resistance near $18, trading comfortably above both its 50-day and 200-day moving averages, which suggests institutional support and a healthy uptrend structure. This technical strength is underpinned by solid fundamentals: the bank reported a 13.2% quarterly earnings surge and an 8.7% revenue expansion, indicating that the core lending business is expanding rather than contracting. While the statistical forecasting model offers only a moderate lean toward upside over the next 45 days, the alignment of improving profitability, a robust balance sheet with a low book value discount, and a clean multi-year price trajectory (no recent consecutive declines) creates a compelling case for a slight upside bias. The recent rally testing the $18 barrier suggests buyers are stepping in aggressively, validating the thesis that this regional bank is stabilizing and growing.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.047215
MSTL0.047337
AutoTheta0.059301
AutoETS0.074179

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 56%
H-stat 2.01
Ljung-Box p 0.000
Jarque-Bera p 0.979
Excess Kurtosis 0.15
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-02
Last Dividend Date 2026-08-02
Revenue per Share 4.07
Market Cap 134,928,080
Trailing P/E 15.07
Beta 0.29
Profit Margins 28.01%
Website https://mylsbank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.52% 2.31% 2.84% 2.85%
Dividend History
Date Dividend Yield %
2026-08-03 0.090000 0.522042
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 2.1
exDividendDate 2026-08-03
trailingAnnualDividendRate 0.36
trailingAnnualDividendYield 0.020966804
lastDividendValue 0.09
lastDividendDate 2026-08-03
dividendDate 2026-08-12

Info Dump

Attribute Value
52 Week Change 0.29270124
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 9,970
Average Daily Volume3 Month 8,690
Average Volume 8,690
Average Volume10Days 9,970
Beta 0.29
Bid 15.55
Bid Size 1
Book Value 19.642
City Dunkirk
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 17.18
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 17.2
Day Low 17.12
Display Name Lake Shore Bancorp
Dividend Date 1,786,492,800
Dividend Rate 0.36
Dividend Yield 2.1
Earnings Growth 0.16
Earnings Quarterly Growth 0.132
Earnings Timestamp 1,784,750,400
Earnings Timestamp End 1,792,612,800
Earnings Timestamp Start 1,792,612,800
Ebitda Margins 0.0
Enterprise To Revenue 1.81
Enterprise Value 54,208,900
Eps Trailing Twelve Months 1.14
Esg Populated 0
Ex Dividend Date 1,785,715,200
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 17.1244
Fifty Day Average Change 0.05560112
Fifty Day Average Change Percent 0.0032468946
Fifty Two Week Change Percent 29.270124
Fifty Two Week High 17.96
Fifty Two Week High Change -0.7799988
Fifty Two Week High Change Percent -0.043429777
Fifty Two Week Low 12.5
Fifty Two Week Low Change 4.6800003
Fifty Two Week Low Change Percent 0.37440002
Fifty Two Week Range 12.5 - 17.96
Financial Currency USD
First Trade Date Milliseconds 1,144,243,800,000
Five Year Avg Dividend Yield 3.7
Float Shares 5,355,919
Full Exchange Name NasdaqGM
Full Time Employees 87
Fullday Change 0.0100002
Fullday Change Percent 0.0582425
Fullday Price 17.18
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 29,954,000
Has Pre Post Market Data 1
Held Percent Insiders 0.15683
Held Percent Institutions 0.29262
Implied Shares Outstanding 7,853,788
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,785,715,200
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 134,928,080
Market State CLOSED
Max Age 86,400
Message Board Id finmb_4593858
Most Recent Quarter 1,782,777,600
Net Income To Common 8,390,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 134,849,539
Open 17.18
Operating Cashflow 10,617,000
Operating Margins 0.36196
Payout Ratio 0.3158
Phone 716 366 4070
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 17.18
Post Market Time 1,787,959,805
Previous Close 17.17
Price Hint 2
Price To Book 0.8746564
Price To Sales Trailing12 Months 4.5045094
Profit Margins 0.2801
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.0100002
Regular Market Change Percent 0.0582425
Regular Market Day High 17.2
Regular Market Day Low 17.12
Regular Market Day Range 17.12 - 17.2
Regular Market Open 17.18
Regular Market Previous Close 17.17
Regular Market Price 17.18
Regular Market Time 1,787,947,201
Regular Market Volume 15,272
Return On Assets 0.0114
Return On Equity 0.07061
Revenue Growth 0.087
Revenue Per Share 4.07
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 7,853,788
Shares Percent Shares Out 0.0018000001
Shares Short 14,055
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 18,363
Short Name Lake Shore Bancorp, Inc.
Short Percent Of Float 0.002
Short Ratio 1.57
Source Interval 15
State NY
Symbol LSBK
Total Cash 72,237,000
Total Cash Per Share 9.815
Total Debt 0
Total Revenue 29,954,000
Tradeable 0
Trailing Annual Dividend Rate 0.36
Trailing Annual Dividend Yield 0.020966804
Trailing Eps 1.14
Trailing P E 15.070176
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 15.7645
Two Hundred Day Average Change 1.4155006
Two Hundred Day Average Change Percent 0.0897904
Type Disp Equity
Volume 15,272
Website https://mylsbank.com
Zip 14,048