Lake Shore Bancorp, Inc. (LSBK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Lake Shore Bancorp, Inc. (LSBK) trades at $17.09 with AI Score 89/100 (Grade A+). Lake Shore Bancorp, Inc. Market cap: $134M, Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: May 10, 2026Analyst Coverage for LSBK: LSBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates LSBK against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
LSBK: 3/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Lake Shore Bancorp, Inc. (LSBK) Financial Services Profile
Lake Shore Bancorp, Inc., through Lake Shore Savings Bank, provides traditional banking services in Western New York. The company focuses on deposit products and loan offerings, primarily serving individuals and small to medium-sized businesses across eleven branch locations. With a community-centric approach, LSBK navigates the competitive regional banking landscape.
What Is the Investment Thesis for LSBK?
Lake Shore Bancorp, Inc. presents a community banking model with a focus on Western New York. With a P/E ratio of 15.2 and a dividend yield of 2.26%, the company offers potential value for investors seeking stable income. A profit margin of 20.2% indicates operational efficiency. Growth catalysts include expanding commercial lending activities and increasing digital banking adoption among its customer base. Potential risks include interest rate sensitivity and competition from larger regional banks. The company's beta of 0.31 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
LSBK Key Highlights
- Market capitalization of $134M indicates a smaller, community-focused banking institution.
- Profit margin of 20.2% demonstrates efficient operations and profitability.
- Gross margin of 73.1% reflects a strong ability to manage interest income and expenses.
- Dividend yield of 2.26% provides a steady income stream for investors.
- Beta of 0.31 suggests lower volatility compared to the broader market, potentially appealing to risk-averse investors.
Who Are LSBK's Competitors?
LSBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CZFS Citizens Financial Services, Inc. | $71.58 | -2.77% | $344M | 92 |
| BCML BayCom Corp | $33.89 | -0.24% | $370M | 92 |
| FNLC The First Bancorp, Inc. | $34.36 | -0.43% | $387M | 92 |
| PKBK Parke Bancorp, Inc. | $32.74 | -1.03% | $388M | 93 |
| PCB PCB Bancorp | $29.59 | -0.74% | $421M | 93 |
| RBB RBB Bancorp | $26.75 | -1.15% | $453M | 93 |
| PDLB Ponce Financial Group, Inc. | $20.02 | -1.14% | $484M | 92 |
| OBT Orange County Bancorp, Inc. | $37.39 | -0.45% | $501M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LSBK's Key Strengths?
- Strong local presence in Western New York.
- Long-standing history and established reputation.
- Personalized customer service.
- Community-focused approach.
What Are LSBK's Weaknesses?
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on traditional banking products and services.
- Potential vulnerability to interest rate fluctuations.
What Could Drive LSBK Stock Higher?
- Potential expansion of wealth management services in 2027 to diversify revenue streams.
- Continued focus on increasing digital banking adoption to enhance customer experience and reduce operational costs.
- Expansion of commercial lending activities targeting small to medium-sized businesses in Western New York.
What Are the Key Risks for LSBK?
- Financial-distress signal — its Altman Z-Score of -0.34 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Western New York impacting loan performance and deposit growth.
- Competition from larger regional and national banks with greater resources and broader service offerings.
- Interest rate fluctuations affecting net interest margin and profitability.
- Increasing regulatory compliance costs impacting operational expenses.
What Are the Growth Opportunities for LSBK?
- Expansion of Commercial Lending: Lake Shore Bancorp can grow by expanding its commercial lending activities, targeting small to medium-sized businesses in Western New York. The market for commercial loans in the region is estimated at $5 billion, with a projected annual growth rate of 3%. By offering competitive rates and personalized service, Lake Shore can increase its market share and drive revenue growth. Timeline: Ongoing.
- Digital Banking Adoption: Increasing the adoption of digital banking services among its customer base presents a significant growth opportunity. The digital banking market is expected to reach $10 billion by 2028, driven by increasing smartphone penetration and changing consumer preferences. By investing in user-friendly mobile and online platforms, Lake Shore can attract and retain customers, reduce operational costs, and enhance customer satisfaction. Timeline: Ongoing.
- Strategic Partnerships: Forming strategic partnerships with local businesses and community organizations can enhance Lake Shore Bancorp's brand visibility and customer acquisition efforts. Collaborating with real estate developers, insurance agencies, and financial advisors can create referral networks and cross-selling opportunities. Such partnerships can drive loan growth and increase deposit volumes. Timeline: Ongoing.
- New Branch Expansion: Selectively expanding its branch network in underserved areas of Western New York can drive deposit growth and increase market penetration. Identifying communities with limited banking options and establishing new branches can attract new customers and build brand awareness. Each new branch is projected to generate $10 million in deposits within three years. Timeline: Upcoming: 2027-2028.
- Wealth Management Services: Introducing or expanding wealth management services can diversify revenue streams and cater to the growing needs of affluent customers. Offering financial planning, investment management, and retirement planning services can attract high-net-worth individuals and families. The wealth management market in Western New York is estimated at $3 billion. Timeline: Upcoming: 2027.
What Opportunities Does LSBK Have?
- Expansion of commercial lending activities.
- Increased adoption of digital banking services.
- Strategic partnerships with local businesses.
- New branch expansion in underserved areas.
What Threats Does LSBK Face?
- Competition from larger regional and national banks.
- Economic downturn in Western New York.
- Increasing regulatory compliance costs.
- Technological disruption from fintech companies.
What Are LSBK's Competitive Advantages?
- Strong local presence with eleven full-service branch locations in Western New York.
- Long-standing history and established reputation in the community.
- Personalized service and tailored financial solutions for local customers.
- Community-focused approach fostering customer loyalty.
What Does LSBK Do?
Founded in 1891 and headquartered in Dunkirk, New York, Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank. The bank provides a comprehensive suite of banking products and services tailored to individuals and small to medium-sized businesses in Western New York. Lake Shore Savings Bank accepts a variety of deposit products, including regular savings accounts, money market accounts, checking accounts, health savings accounts, retirement accounts, and time deposits. Its loan portfolio encompasses commercial real estate, commercial construction, home equity loans and lines of credit, commercial loans, one- to four-family residential mortgages, and consumer loans. As of February 11, 2022, Lake Shore Bancorp operates eleven full-service branch locations: five in Chautauqua County and six in Erie County, New York. The bank's commitment to local communities is reflected in its personalized service and tailored financial solutions. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC. The company's long-standing history in the region underscores its stability and deep understanding of the local market dynamics.
What Products and Services Does LSBK Offer?
- Accepts regular savings deposits, including Christmas Club and statement savings accounts.
- Offers money market savings and checking accounts.
- Provides interest-bearing and non-interest-bearing checking accounts, such as demand deposits.
- Administers health savings accounts and retirement accounts.
- Offers time deposits and interest on lawyer accounts.
- Provides commercial savings, checking, and money market accounts for small to medium-sized businesses.
- Originates commercial real estate, commercial construction, and home equity loans and lines of credit.
- Offers one- to four-family residential mortgages and consumer loans.
How Does LSBK Make Money?
- Generates revenue primarily through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages interest rate spread to maintain profitability.
- Focuses on serving individuals and small to medium-sized businesses in Western New York.
What Industry Does LSBK Operate In?
Lake Shore Bancorp operates within the regional banking sector, characterized by increasing competition and evolving customer expectations. The industry is undergoing digital transformation, with banks investing in technology to enhance customer experience and operational efficiency. Regulatory compliance and interest rate fluctuations are key factors influencing the performance of regional banks. Lake Shore Bancorp's focus on local markets positions it to capitalize on community relationships, while it must also adapt to broader industry trends to remain competitive.
Who Are LSBK's Key Customers?
- Individuals seeking personal banking services.
- Small to medium-sized businesses requiring commercial banking solutions.
- Residents of Chautauqua and Erie Counties in Western New York.
- Customers seeking community-focused banking relationships.
Company Profile
Lake Shore Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Dunkirk, US. The company is led by CEO Kim C. Liddell. LSBK has traded publicly since 2006.
How Lake Shore Bancorp, Inc. Is Valued
Lake Shore Bancorp, Inc. carries a market capitalization of $134M, placing it in the micro-cap category. Relative to its peer group, LSBK's quantitative score of 89/100 is roughly in line with the peer average of 92/100.
ROE 6%Key Financial Metrics
Return on equity for Lake Shore Bancorp, Inc. stands at 6.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. LSBK trades at a trailing price-to-earnings ratio of 15.25, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.20 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 9/9Financial Health
Lake Shore Bancorp, Inc.'s Piotroski F-Score is 9/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.34 places it in the distress zone, a signal of elevated financial risk.
Net buyingInsider Activity
The most recent 11 insider filings for Lake Shore Bancorp, Inc. break down as 1 sales and 10 purchases. On net that is roughly 17K shares acquired (about $3K) — insiders putting money in tends to read as conviction.
LSBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence in Western New York.
- Long-standing history and established reputation.
- Personalized customer service.
- Community-focused approach.
Bear Case
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on traditional banking products and services.
- Potential vulnerability to interest rate fluctuations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
LSBK Latest News
LSBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LSBK.
Price Targets
Wall Street price target analysis for LSBK.
LSBK MoonshotScore
What does this score mean?
The MoonshotScore rates LSBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Kim C. Liddell
Unknown
Details about Kim C. Liddell's background are not available in the provided data. Without additional information, it is impossible to provide a summary of their career history, education, previous roles, or credentials. Further research would be needed to complete this profile section adequately.
Track Record: Information about Kim C. Liddell's track record is not available in the provided data. Without specific details on their achievements, strategic decisions, or company milestones under their leadership, it is impossible to assess their performance. Further research is required to accurately evaluate their contributions to Lake Shore Bancorp, Inc.
Common Questions About LSBK (Financial Services)
What does the AI Score mean for LSBK?
LSBK holds an AI Score of 89/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. Lake Shore Bancorp, Inc. operates as the holding company for Lake Shore Savings Bank, offering a range of banking products and services in Western New York. With eleven full-service branch …
What does Lake Shore Bancorp, Inc. do?
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank, providing banking products and services to individuals and businesses in Western New York. The company accepts various deposit products, including savings, checking, and money market accounts, and offers a range of loan options, such as commercial real estate, commercial construction, and residential mortgages.
What do analysts say about LSBK stock?
Analyst coverage of Lake Shore Bancorp, Inc. (LSBK) is limited, reflecting its smaller market capitalization and regional focus. Key valuation metrics include a P/E ratio of 15.2 and a dividend yield of 2.26%. Growth considerations center on the company's ability to expand its commercial lending activities and increase digital banking adoption.
What are the main risks for LSBK?
Lake Shore Bancorp, Inc. faces several risks, including competition from larger regional and national banks, potential economic downturns in Western New York, and increasing regulatory compliance costs. The company's profitability is also sensitive to interest rate fluctuations, which can impact its net interest margin. Additionally, technological disruption from fintech companies poses a threat to traditional banking models. Effective risk management and strategic adaptation are crucial for Lake Shore's long-term success.
What are the key factors to evaluate for LSBK?
Lake Shore Bancorp, Inc. (LSBK) holds an AI score of 89/100 (high). P/E: 15.2x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does LSBK data refresh on this page?
LSBK's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven LSBK's recent stock price performance?
Lake Shore Bancorp, Inc. (LSBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Western New York. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LSBK overvalued or undervalued right now?
Lake Shore Bancorp, Inc. (LSBK) trades at 15.2x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research LSBK before investing?
Before investing in Lake Shore Bancorp, Inc. (LSBK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available on CEO background and track record.
- Competitor analysis limited due to lack of specific peer tickers.