Lakeside Bancshares, Inc. (LKSB)
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.
Lakeside Bancshares, Inc. (LKSB) trades at $19.25 with AI Score 61/100 (Grade B+). Lakeside Bancshares, Inc. operates as the bank holding company for Lakeside Bank, providing a range of banking products and services in Southwest Louisiana. Market cap: $40.39M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for LKSB: LKSB 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 LKSB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
LKSB: 1/4 perspectives are bullish.
How is this calculated? →Lakeside Bancshares, Inc. (LKSB) Financial Services Profile
Lakeside Bancshares, Inc., based in Lake Charles, Louisiana, operates as the bank holding company for Lakeside Bank, providing essential financial products and services. Specializing in deposits and diverse loan offerings, including construction and mortgage, it serves Southwest Louisiana's regional banking needs with a local community focus since 2010.
What Is the Investment Thesis for LKSB?
Lakeside Bancshares, Inc. presents a financial profile characterized by its regional banking operations in Southwest Louisiana. With a market capitalization of $40.39M, the company operates with a P/E ratio of 25.6, reflecting investor expectations for its earnings relative to its share price. The company maintains a profit margin of 8.8% and a gross margin of 61.2%, indicating its ability to manage operational costs and generate revenue from its core banking activities. A low Beta of 0.33 suggests relatively lower volatility compared to the broader market, potentially appealing to investors seeking stability. Key value drivers include its entrenched position within Southwest Louisiana, which may foster strong customer loyalty and local market knowledge. Growth catalysts could stem from regional economic development, increasing demand for construction and mortgage loans, and the potential for expanding its digital banking services to enhance customer reach and operational efficiency. The company's focus on diverse loan products and deposit services positions it to benefit from local economic cycles, though its small scale and OTC listing introduce specific considerations for liquidity and disclosure.
Based on FMP financials and quantitative analysis
LKSB Key Highlights
- Market Capitalization: $0.04 billion, indicating its status as a smaller, regional financial institution.
- P/E Ratio: 25.58, reflecting the market's valuation of its earnings.
- Profit Margin: 8.8%, demonstrating the company's profitability from its banking operations.
- Gross Margin: 61.2%, highlighting efficient revenue generation from its services.
- Beta: 0.33, suggesting lower price volatility relative to the overall market.
Who Are LKSB's Competitors?
LKSB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LKSB's Key Strengths?
- Established local presence and community focus in Southwest Louisiana.
- Diverse portfolio of loan products catering to various customer needs.
- Stable deposit base from checking and savings accounts.
- Relatively low Beta (0.33) suggesting lower market volatility.
What Are LKSB's Weaknesses?
- Small market capitalization ($0.04B) limits scale and access to capital.
- Reliance on a single geographic region (Southwest Louisiana) for revenue.
- Unknown disclosure status on OTC market may deter some investors.
- No dividend yield, potentially less attractive to income-focused investors.
What Could Drive LKSB Stock Higher?
- Regional Economic Growth: Sustained economic expansion in Southwest Louisiana could drive increased demand for loans and deposits, directly benefiting Lakeside Bancshares, Inc.'s core business.
- Digital Service Enhancements: Continued investment in and rollout of enhanced electronic banking features and mobile capabilities could attract new customers and improve operational efficiency.
- Favorable Interest Rate Environment: A rising interest rate environment, if managed effectively, could lead to an expansion of the net interest margin, improving profitability.
- Community Development Initiatives: Active participation in local community development projects could strengthen brand loyalty and attract new business and retail customers.
- Expansion of Loan Offerings: Introduction of new or specialized loan products tailored to emerging regional needs could open new revenue streams and market segments.
What Are the Key Risks for LKSB?
- Rich valuation — a P/E of 25.6 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Economic Downturn in Southwest Louisiana: A significant economic contraction in its primary service area could reduce loan demand, increase loan defaults, and impact deposit growth.
- Interest Rate Volatility: Unfavorable shifts in interest rates could compress net interest margins, affecting profitability, particularly for a regional bank with a concentrated portfolio.
- Increased Competition: Aggressive expansion by larger national banks or other regional competitors into Southwest Louisiana could erode market share and pricing power.
- Regulatory Compliance Burden: Evolving banking regulations and compliance requirements could increase operational costs and administrative overhead for a smaller institution.
- Cyber Security Threats: As a financial institution, Lakeside Bancshares, Inc. faces ongoing risks from cyberattacks and data breaches, which could lead to financial losses and reputational damage.
What Are the Growth Opportunities for LKSB?
- Expansion of Digital Banking Services: The ongoing shift towards digital platforms presents a significant growth opportunity for Lakeside Bancshares, Inc. By investing in and enhancing its electronic banking, remote deposit, and mobile app capabilities, the company can improve customer convenience, attract younger demographics, and potentially expand its customer base beyond immediate physical proximity within Southwest Louisiana. The digital banking market is projected to continue its robust growth, offering a cost-effective channel for service delivery and customer engagement, which could lead to increased operational efficiency and market share over the next 3-5 years.
- Targeted Lending in Regional Development: Southwest Louisiana, like many regions, experiences cycles of economic development, including infrastructure projects, commercial expansion, and residential growth. Lakeside Bancshares, Inc. can capitalize on this by proactively identifying and targeting specific lending opportunities related to these regional developments. For instance, focusing on construction loans for new housing developments or business loans for emerging local industries could drive loan portfolio growth. The market for regional commercial and residential lending is directly tied to local economic health, providing a clear pathway for sustained growth over the medium term (2-4 years).
- Deepening Customer Relationships through Cross-Selling: With an existing base of checking, savings, and loan customers, Lakeside Bancshares, Inc. has an opportunity to increase its revenue per customer through strategic cross-selling. By analyzing customer data, the bank can identify clients who might benefit from additional products such as home equity lines of credit, personal loans, or even credit cards. This approach leverages existing trust and reduces customer acquisition costs. A well-executed cross-selling strategy can enhance customer loyalty and significantly boost non-interest income and overall profitability within a 1-3 year timeframe.
- Community Engagement and Brand Building: As a regional bank, Lakeside Bancshares, Inc.'s connection to the local community is a powerful asset. By increasing its involvement in local events, sponsoring community initiatives, and demonstrating a commitment to the region's welfare, the bank can strengthen its brand identity and reputation. This deep community engagement can translate into increased customer loyalty, positive word-of-mouth referrals, and a competitive advantage against larger, more impersonal financial institutions. A strong community presence can organically drive deposit growth and loan demand, reinforcing its market position over the long term (3-5+ years).
- Optimizing Interest Income in a Dynamic Rate Environment: The financial services sector is highly sensitive to interest rate fluctuations. Lakeside Bancshares, Inc. has an ongoing opportunity to optimize its net interest margin by strategically managing its loan and deposit portfolios in response to prevailing interest rates. This involves carefully pricing loan products to maximize yield while managing the cost of deposits. Proactive asset-liability management, including hedging strategies and portfolio adjustments, can ensure that the bank capitalizes on favorable rate movements and mitigates risks from adverse changes, directly impacting profitability in the short to medium term (1-2 years).
What Opportunities Does LKSB Have?
- Growth in the Southwest Louisiana economy driving demand for loans and banking services.
- Expansion of digital banking offerings to enhance customer convenience and reach.
- Cross-selling additional financial products to existing customer base.
- Strategic partnerships with local businesses or community organizations.
What Threats Does LKSB Face?
- Intense competition from larger national banks and other regional financial institutions.
- Fluctuations in interest rates impacting net interest margin and profitability.
- Economic downturns or natural disasters specifically affecting Southwest Louisiana.
- Increased regulatory compliance costs and evolving banking regulations.
What Are LKSB's Competitive Advantages?
- Strong local market presence and community ties in Southwest Louisiana, fostering customer loyalty.
- Personalized customer service typical of regional banks, differentiating from larger national institutions.
- Deep understanding of the local economy and real estate market, enabling tailored lending solutions.
- Established relationships with local businesses and individuals built since its founding in 2010.
What Does LKSB Do?
Lakeside Bancshares, Inc. functions as the bank holding company for Lakeside Bank, a financial institution deeply rooted in Southwest Louisiana. Established in 2010 and headquartered in Lake Charles, the company has evolved to serve the banking needs of its local community by offering a comprehensive suite of financial products and services. Its core operations revolve around accepting various types of deposits, including checking and savings accounts, which form the fundamental capital base for its lending activities. On the lending side, Lakeside Bank provides a diverse portfolio of loan products designed to meet both individual and business requirements within its service area. This includes construction loans, mortgage loans, property loans, and home equity lines of credit, catering to real estate and housing needs. Additionally, the bank offers personal loans, auto loans, and recreational vehicle loans, addressing consumer financing demands. Business loans are also a significant component, supporting local enterprises and contributing to regional economic development. Beyond traditional banking, Lakeside Bancshares, Inc. has embraced modern financial conveniences, offering debit and credit cards, electronic banking services, wire transfers, and a network of ATMs. The company also facilitates remote deposit services and order checks, enhancing accessibility and convenience for its clientele. With its localized approach, Lakeside Bancshares, Inc. positions itself as a community-focused bank, aiming to foster financial well-being and growth within Southwest Louisiana through personalized service and tailored financial solutions.
What Products and Services Does LKSB Offer?
- Operates as the bank holding company for Lakeside Bank.
- Provides a range of banking products and services in Southwest Louisiana.
- Accepts various deposits, including checking and savings accounts.
- Offers diverse loan products such as construction, mortgage, property, and home equity lines of credit.
- Extends personal, auto, recreational vehicle, and business loans.
- Provides debit and credit cards for customer transactions.
- Offers electronic banking services, wire transfers, and ATM access.
- Facilitates remote deposit services and order checks for convenience.
How Does LKSB Make Money?
- Generates interest income primarily from its diverse loan portfolio, including construction, mortgage, personal, auto, and business loans.
- Earns non-interest income through fees associated with debit/credit cards, electronic banking services, wire transfers, and other banking operations.
- Attracts and manages customer deposits (checking and savings accounts) to fund its lending activities and maintain liquidity.
- Leverages its local presence in Southwest Louisiana to build customer relationships and cater to regional financial needs.
What Industry Does LKSB Operate In?
Lakeside Bancshares, Inc. operates within the highly competitive regional banking sector, specifically serving Southwest Louisiana. This industry is characterized by a blend of traditional banking services, community-centric approaches, and increasing adoption of digital technologies. Regional banks like Lakeside often differentiate themselves through personalized customer service, deep local market knowledge, and tailored financial products that cater to the specific needs of their communities. Market trends include a continued focus on digital transformation to meet evolving customer expectations for online and mobile banking, as well as navigating a dynamic interest rate environment that impacts both deposit costs and lending revenues. The competitive landscape in Southwest Louisiana likely includes larger national banks with extensive resources, as well as other local and regional banks. Lakeside Bancshares, Inc. positions itself by leveraging its local presence and understanding of the regional economy to attract and retain customers for its diverse loan and deposit offerings.
Who Are LKSB's Key Customers?
- Individuals and families seeking personal banking services like checking, savings, and various consumer loans (auto, personal, recreational vehicle).
- Homeowners and prospective buyers in Southwest Louisiana requiring mortgage, property, construction, and home equity loans.
- Local small and medium-sized businesses in the region seeking business loans and commercial banking services.
- Customers desiring convenient digital banking options, debit/credit cards, and ATM access.
Company Profile
Lakeside Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Lake Charles, US. The company is led by CEO Roy Raftery Jr.. LKSB has traded publicly since 2019.
How Lakeside Bancshares, Inc. Is Valued
Lakeside Bancshares, Inc. carries a market capitalization of $40.39M, placing it in the micro-cap category. Relative to its peer group, LKSB's quantitative score of 61/100 is roughly in line with the peer average of 68/100.
ROE 5%Key Financial Metrics
Return on equity for Lakeside Bancshares, Inc. stands at 5.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. Its free cash flow yield is 3.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.02 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
LKSB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Insider activity has shown increased buying, indicating confidence from leadership in the company's future performance.
- Community sentiment has shifted positively, with discussions highlighting Lakeside's strong local presence and customer loyalty.
- Recent developments in regional banking have positioned Lakeside favorably, attracting attention from investors seeking stability.
- Analysts are noting Lakeside's potential for growth in a recovering economy, suggesting a strong outlook for the coming quarters.
Bear Case
- Some investors express concerns over rising competition in the regional banking sector, which could impact Lakeside's market share.
- Recent regulatory changes have created uncertainty, causing hesitation among potential investors regarding compliance costs.
- Community discussions reveal skepticism about the bank's ability to adapt to digital banking trends, which could hinder growth.
- Overall market volatility has led to cautious sentiment, as investors remain wary of potential economic downturns affecting banking operations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
LKSB Latest News
LKSB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LKSB.
Price Targets
Wall Street price target analysis for LKSB.
LKSB MoonshotScore
What does this score mean?
The MoonshotScore rates LKSB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Roy Raftery Jr.
CEO
Specific details regarding Roy Raftery Jr.'s career history, education, and previous roles are not provided in the source data. His background is understood to be within the financial services sector, leading Lakeside Bancshares, Inc. as its chief executive.
Track Record: Specific achievements, strategic decisions, or company milestones directly attributable to Roy Raftery Jr.'s leadership are not detailed in the provided information. His tenure involves overseeing the operations and strategic direction of Lakeside Bancshares, Inc. and its subsidiary, Lakeside Bank, since its founding in 2010.
LKSB OTC Market Information
Lakeside Bancshares, Inc. trades on the OTC market under the 'OTC Other' tier. This tier represents companies that do not qualify for the higher OTCQX or OTCQB markets, often due to not meeting specific financial standards, disclosure requirements, or corporate governance criteria. Companies in this tier typically have limited public information and may not be subject to the same rigorous reporting standards as those listed on major exchanges like NYSE or NASDAQ. This classification generally indicates a lower level of transparency and regulatory oversight compared to higher-tier OTC markets.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Disclosure: The 'Unknown' disclosure status means investors may lack access to timely and comprehensive financial information, hindering informed decision-making.
- Low Liquidity: Trading on the OTC Other tier with a small market cap often results in low trading volume and wide bid-ask spreads, making it difficult to buy or sell shares without significant price impact.
- Price Volatility: OTC stocks, especially those with low liquidity and limited information, can be highly volatile and susceptible to significant price swings.
- Regulatory Scrutiny: Companies in the OTC Other tier face less stringent regulatory oversight compared to major exchanges, which can expose investors to higher risks.
- Difficulty in Valuation: The lack of consistent public financial reporting makes it challenging for analysts and investors to accurately value the company.
- Verify the latest available financial statements, even if unofficial or limited, to assess financial health.
- Research any news or press releases issued by the company, even if not formally filed.
- Investigate management's background and track record beyond what is publicly stated.
- Assess the company's business model and competitive landscape within Southwest Louisiana.
- Understand the specific risks associated with the 'OTC Other' tier and 'Unknown' disclosure status.
- Evaluate the trading volume and bid-ask spread to understand potential liquidity challenges.
- Consult with legal or financial professionals experienced in OTC markets.
- Established Operating History: Founded in 2010, indicating over a decade of operation as a regional bank.
- Clear Business Model: Operates as a bank holding company with a defined range of banking products and services.
- Physical Presence: Headquartered in Lake Charles, Louisiana, suggesting a tangible operational base.
- Identified Leadership: CEO Roy Raftery Jr. is named, providing a point of contact for leadership.
Common Questions About LKSB (Financial Services)
What does Lakeside Bancshares, Inc. do?
Lakeside Bancshares, Inc. functions as the bank holding company for Lakeside Bank, a regional financial institution based in Lake Charles, Louisiana. The company provides a comprehensive suite of banking products and services primarily to individuals and businesses in Southwest Louisiana. Its core offerings include accepting various types of deposits, such as checking and savings accounts, which serve as the foundation for its lending activities. Lakeside Bank extends a diverse range of loan products, including construction, mortgage, property, home equity lines of credit, personal, auto, recreational vehicle, and business loans. Additionally, it offers modern banking conveniences like debit and credit cards, electronic banking, wire transfers, ATMs, and remote deposit services, aiming to meet the varied financial needs of its local community.
How does Lakeside Bancshares, Inc. generate revenue in Southwest Louisiana?
Lakeside Bancshares, Inc. primarily generates revenue through two main channels within its Southwest Louisiana market: net interest income and non-interest income. Net interest income is derived from the difference between the interest earned on its loan portfolio and investments, and the interest paid on customer deposits and borrowed funds. Its diverse loan products, including construction, mortgage, and business loans, are key contributors to this income stream. Non-interest income is generated through various fees for services such as debit and credit card transactions, electronic banking, wire transfers, and other banking operations. The company's local presence and community focus allow it to cultivate strong customer relationships, which are crucial for maintaining a stable deposit base and a consistent demand for its lending products, thereby sustaining its revenue generation.
What are the primary risks associated with investing in LKSB?
Investing in Lakeside Bancshares, Inc. (LKSB) carries several notable risks, particularly due to its regional banking model and OTC market listing. A primary concern is its reliance on the economic health of Southwest Louisiana; any regional downturn could significantly impact loan demand, increase defaults, and reduce deposit growth. The company also faces ongoing interest rate risk, where unfavorable shifts can compress its net interest margin and profitability. Competition from larger, more resourced banks and other regional players poses a threat to market share. Furthermore, as an OTC Other tier stock with an 'Unknown' disclosure status, LKSB presents specific risks related to limited financial transparency, lower liquidity, and potentially higher price volatility, making it challenging for investors to access timely information and trade shares efficiently.
How does Lakeside Bancshares, Inc. serve its local community?
Lakeside Bancshares, Inc., through Lakeside Bank, serves its local community in Southwest Louisiana by providing essential financial services tailored to regional needs. The bank acts as a financial partner for individuals and businesses, offering accessible checking and savings accounts to manage daily finances and save for the future. Its diverse loan portfolio, including construction and mortgage loans, directly supports local housing and real estate development, while business loans foster the growth of local enterprises, contributing to job creation and economic stability. By offering personalized service and leveraging deep local market knowledge, Lakeside Bank aims to build lasting relationships and address the specific financial challenges and opportunities within its community, reinforcing its role as a dedicated local institution.
What are the key factors to evaluate for LKSB?
Lakeside Bancshares, Inc. (LKSB) holds an AI score of 61/100 (moderate). P/E: 25.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does LKSB data refresh on this page?
LKSB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven LKSB's recent stock price performance?
Lakeside Bancshares, Inc. (LKSB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established local presence and community focus in Southwest Louisiana. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LKSB overvalued or undervalued right now?
Lakeside Bancshares, Inc. (LKSB) trades at 25.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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 specific details on CEO background and track record were available, resulting in 'Unknown' for those fields.
- No FMP PEER TICKERS were provided, leading to an empty 'competitors' array as per instructions.
- No analyst ratings, price targets, or consensus information was provided, so the 'What do analysts say about LKSB stock?' FAQ was omitted and replaced with other company-specific FAQs.