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Lake shore bancorp, inc.LSBK.US Overview

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LSBK Recent Performance

0.23%

Lake shore bancorp, inc.

1.79%

Avg of Sector

-0.31%

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LSBK Key Information

LSBK Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

LSBK Profile

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings 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. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.

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LSBK FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

LSBK Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.93
PE Ratio (TTM)
14.91
Forward PE
-
PS Ratio (TTM)
4.04
PB Ratio
0.80
Price-to-FCF
14.16
METRIC
VALUE
vs. INDUSTRY
Gross Margin
90.82%
Net Margin
23.53%
Revenue Growth (YoY)
19.53%
Profit Growth (YoY)
8.56%
3-Year Revenue Growth
13.65%
3-Year Profit Growth
1.89%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.93
PE Ratio (TTM)
14.91
Forward PE
-
PS Ratio (TTM)
4.04
PB Ratio
0.80
Price-to-FCF
14.16
Gross Margin
90.82%
Net Margin
23.53%
Revenue Growth (YoY)
19.53%
Profit Growth (YoY)
8.56%
3-Year Revenue Growth
13.65%
3-Year Profit Growth
1.89%

  • When is LSBK's latest earnings report released?

    The most recent financial report for Lake shore bancorp, inc. (LSBK) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating LSBK's short-term business performance and financial health. For the latest updates on LSBK's earnings releases, visit this page regularly.

  • Where does LSBK fall in the P/E River chart?

    According to historical valuation range analysis, Lake shore bancorp, inc. (LSBK)'s current price-to-earnings (P/E) ratio is 14.1, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of LSBK?

    According to the latest financial report, Lake shore bancorp, inc. (LSBK) reported an Operating Profit of 2.35M with an Operating Margin of 23.13% this period, representing a growth of 34.23% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is LSBK's revenue growth?

    In the latest financial report, Lake shore bancorp, inc. (LSBK) announced revenue of 10.14M, with a Year-Over-Year growth rate of 44.42%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does LSBK have?

    At the end of the period, Lake shore bancorp, inc. (LSBK) held Total Cash and Cash Equivalents of 83.64M, accounting for 0.11 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does LSBK go with three margins increasing?

    In the latest report, Lake shore bancorp, inc. (LSBK) achieved the “three margins increasing” benchmark, with a gross margin of 72.04%%, operating margin of 23.13%%, and net margin of 19.07%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess LSBK's profit trajectory and future growth potential.

  • What is the FCF of LSBK?

    Lake shore bancorp, inc. (LSBK)'s Free Cash Flow (FCF) for the period is 3.3M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 332.75% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of LSBK?

    The latest valuation data shows Lake shore bancorp, inc. (LSBK) has a Price-To-Earnings (PE) ratio of 14.1 and a Price/Earnings-To-Growth (PEG) ratio of -0.87. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.