Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Statistics

Total Valuation

LSBK has a market cap or net worth of $114.73 million. The enterprise value is $49.85 million.

Market Cap	114.73M
Enterprise Value	49.85M

Important Dates

The next estimated earnings date is Tuesday, April 28, 2026, after market close.

Earnings Date	Apr 28, 2026
Ex-Dividend Date	Feb 2, 2026

Share Statistics

LSBK has 7.34 million shares outstanding. The number of shares has decreased by -1.28% in one year.

Current Share Class	7.34M
Shares Outstanding	7.34M
Shares Change (YoY)	-1.28%
Shares Change (QoQ)	+0.58%
Owned by Insiders (%)	8.36%
Owned by Institutions (%)	19.09%
Float	5.35M

Valuation Ratios

The trailing PE ratio is 15.91.

PE Ratio	15.91
Forward PE	n/a
PS Ratio	4.04
Forward PS	n/a
PB Ratio	0.80
P/TBV Ratio	0.80
P/FCF Ratio	15.20
P/OCF Ratio	14.14
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.86
EV / Sales	1.78
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.70

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.14
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.28%.

Return on Equity (ROE)	6.28%
Return on Assets (ROA)	1.03%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.91%
Revenue Per Employee	$285,898
Profits Per Employee	$74,173
Employee Count	98
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, LSBK has paid $1.48 million in taxes.

Income Tax	1.48M
Effective Tax Rate	16.94%

Stock Price Statistics

The stock price has increased by +43.90% in the last 52 weeks. The beta is 0.31, so LSBK's price volatility has been lower than the market average.

Beta (5Y)	0.31
52-Week Price Change	+43.90%
50-Day Moving Average	15.34
200-Day Moving Average	13.85
Relative Strength Index (RSI)	56.22
Average Volume (20 Days)	13,409

Short Selling Information

The latest short interest is 9,233, so 0.13% of the outstanding shares have been sold short.

Short Interest	9,233
Short Previous Month	11,412
Short % of Shares Out	0.13%
Short % of Float	0.17%
Short Ratio (days to cover)	0.95

Income Statement

In the last 12 months, LSBK had revenue of $28.02 million and earned $7.27 million in profits. Earnings per share was $0.97.

Revenue	28.02M
Gross Profit	28.02M
Operating Income	9.06M
Pretax Income	8.75M
Net Income	7.27M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.97

Balance Sheet

The company has $64.28 million in cash and $1.06 million in debt, with a net cash position of $63.23 million or $8.61 per share.

Cash & Cash Equivalents	64.28M
Total Debt	1.06M
Net Cash	63.23M
Net Cash Per Share	$8.61
Equity (Book Value)	141.64M
Book Value Per Share	19.29
Working Capital	-506.37M

Cash Flow

In the last 12 months, operating cash flow was $8.00 million and capital expenditures -$560,000, giving a free cash flow of $7.44 million.

Operating Cash Flow	8.00M
Capital Expenditures	-560,000
Depreciation & Amortization	n/a
Net Borrowing	-10.35M
Free Cash Flow	7.44M
FCF Per Share	$1.01

Margins

Gross Margin	n/a
Operating Margin	32.32%
Pretax Margin	31.24%
Profit Margin	25.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	26.55%

Dividends & Yields

This stock pays an annual dividend of $0.36, which amounts to a dividend yield of 2.34%.

Dividend Per Share	$0.36
Dividend Yield	2.34%
Dividend Growth (YoY)	-49.19%
Years of Dividend Growth	n/a
Payout Ratio	27.90%
Buyback Yield	1.28%
Shareholder Yield	3.62%
Earnings Yield	6.43%
FCF Yield	6.58%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 21, 2025. It was a forward split with a ratio of 1.3549:1.

Last Split Date	Jul 21, 2025
Split Type	Forward
Split Ratio	1.3549:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4