Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Statistics

Total Valuation

LSBK has a market cap or net worth of $125.42 million. The enterprise value is $63.81 million.

Market Cap	125.42M
Enterprise Value	63.81M

Important Dates

The last earnings date was Wednesday, April 22, 2026, after market close.

Earnings Date	Apr 22, 2026
Ex-Dividend Date	May 4, 2026

Share Statistics

LSBK has 7.86 million shares outstanding. The number of shares has decreased by -0.92% in one year.

Current Share Class	7.86M
Shares Outstanding	7.86M
Shares Change (YoY)	-0.92%
Shares Change (QoQ)	-0.57%
Owned by Insiders (%)	7.83%
Owned by Institutions (%)	17.86%
Float	5.87M

Valuation Ratios

The trailing PE ratio is 14.65.

PE Ratio	14.65
Forward PE	n/a
PS Ratio	4.27
Forward PS	n/a
PB Ratio	0.88
P/TBV Ratio	0.88
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	7.84
EV / Sales	2.17
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 6.98%.

Return on Equity (ROE)	6.98%
Return on Assets (ROA)	1.15%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.96%
Revenue Per Employee	$299,520
Profits Per Employee	$83,010
Employee Count	98
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, LSBK has paid $1.71 million in taxes.

Income Tax	1.71M
Effective Tax Rate	17.34%

Stock Price Statistics

The stock price has increased by +39.08% 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	+39.08%
50-Day Moving Average	15.45
200-Day Moving Average	14.15
Relative Strength Index (RSI)	62.67
Average Volume (20 Days)	5,842

Short Selling Information

The latest short interest is 20,331, so 0.26% of the outstanding shares have been sold short.

Short Interest	20,331
Short Previous Month	19,492
Short % of Shares Out	0.26%
Short % of Float	0.35%
Short Ratio (days to cover)	1.54

Income Statement

In the last 12 months, LSBK had revenue of $29.35 million and earned $8.14 million in profits. Earnings per share was $1.09.

Revenue	29.35M
Gross Profit	29.35M
Operating Income	10.15M
Pretax Income	9.84M
Net Income	8.14M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.09

Balance Sheet

The company has $61.61 million in cash and n/a in debt, with a net cash position of $61.61 million or $7.83 per share.

Cash & Cash Equivalents	61.61M
Total Debt	n/a
Net Cash	61.61M
Net Cash Per Share	$7.83
Equity (Book Value)	142.38M
Book Value Per Share	18.11
Working Capital	-505.01M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	34.56%
Pretax Margin	33.53%
Profit Margin	27.71%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.36, which amounts to a dividend yield of 2.26%.

Dividend Per Share	$0.36
Dividend Yield	2.26%
Dividend Growth (YoY)	-49.19%
Years of Dividend Growth	n/a
Payout Ratio	24.80%
Buyback Yield	0.92%
Shareholder Yield	3.18%
Earnings Yield	6.49%
FCF Yield	n/a

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	2