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Lake Shore Bancorp Inc (LSBK) Stock Price
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LSBK Stock Price & Analysis — Lake Shore Bancorp Inc (Financial Services >> Banks - Regional)

LSBK FAQ

What is LSBK's P/E ratio?

Lake Shore Bancorp Inc (LSBK) currently trades at a P/E ratio of 16.10.

What is LSBK's ROE?

Lake Shore Bancorp Inc reports a Return on Equity (ROE) of 3.09%.

What is LSBK's dividend yield?

Lake Shore Bancorp Inc offers a dividend yield of 2.09%.

What is LSBK's Quality Score?

Our AI rates LSBK's overall financial quality at 46 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy LSBK?

Our AI Timing Score for LSBK is 91 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does LSBK belong to?

Lake Shore Bancorp Inc is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange

Stock Check   *Daily update data at 8:30 AM*
(Price: 2026-08-05 | FS: 2026-06-30)

LSBK AI Analysis Summary

Our AI summary for LSBK: Lake Shore Bancorp Inc (NASDAQ), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 16.10, ROE of 3.09%, a dividend yield of 2.09%. Its financial Quality Score stands at 46/100 — fundamentals below the market average. The AI Timing Score is 91/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

LSBK

Lake Shore Bancorp Inc
USD 17.07
-0.10 (-0.58%) Day Change
16.10
P/E
1.49
D/E
3.1%
ROE
1.2%
ROA
2.09%
Div Yield

LAKE SHORE BANCORP INC
TYPE: STOCK
MARKET: NASDAQ

Compare   Watchlist   Myport
USD 17.07
Price
-0.10 (-0.58%)
Day Change
NEWS SCORE: 91

LSBK, the overall quality is not good ( Quality = 46) but the timing to buy is ...(Sign In to See)...

46

QUALITY

Signal
UNDERPERFORM
Signal Description
Company financial health is Not Good
Reason
ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
Historical ROA is relatively low.
Historical ROA is relatively low.
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal
OUTPERFORM
Signal Descri...
Good
Reason
Momentum indicators aligned on the daily timeframe
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In details, quality factors are not good , financial health is not good , and ability to make profit is good , ...

Quality Factors 48%
X
X
X
X
  In Recommendations? Not in any sections
  Select Rate 0.00 From 30 days period
  Watch Rate 0.00 From 30 days period
  News Score 91
  Magic Formula Rank by ROA
2397
  Magic Formula Rank by ROE
2397
  Magic Formula Rank by ROIC
2539
  Price 17.07
  PBV / Sector
0.50 / 1.36
GREAT
  Earning Per Share 1.06
  PE / Sector
16.10 / 13.77
  PEG or PE/Growth / Sector
N/A / 0.48
  Average 1M Daily Value
0.15 M
GREAT
  Average 1W Daily Value
0.15 M
GREAT
Timing Factors 57%
  MACD
  MACD Signal
  MACD Divergence
  RSI
  Stochastic Oscillator K
  Stochastic Oscillator D
  ADX
  Avg 5 day Timing Score
Financial Health 45%
X
X
X
X
  DE / Sector
  DE Average / Sector
  DE Change Average (%) / Sector
  Current Ratio / Sector
  Current Ratio Average / Sector
  Current Ratio Change Average (%) / Sector
  Quick Ratio / Sector
  Quick Ratio Average / Sector
  Quick Ratio Change Average (%) / Sector
  FCF/Share / Sector
  FCF/Share Average / Sector
  FCF/Share Change Average (%) / Sector
Ability to Make Profit 77%
X
X
X
X
X
X
X
  GPM (%) / Sector
  GPM Average (%) / Sector
  GPM Change Average (%) / Sector
  OPM (%) / Sector
  OPM Average (%) / Sector
  OPM Change Average (%) / Sector
  NPM (%) / Sector
20.74 / 25.96
GREAT
  NPM Average (%) / Sector
16.94 / 20,092.93
GREAT
  NPM Change Average (%) / Sector
5.23 / 20.69
  Asset Turnover / Sector
  Asset Turnover Average / Sector
  Asset Turnover Change Average (%) / Sector
  ROA (%) / Sector
1.24 / 1,177.07
  ROA Average (%) / Sector
0.89 / 236.28
  ROA Change Average (%) / Sector
13.26 / 40,105.05
GOOD
  ROE (%) / Sector
3.09 / 2,291.23
  ROE Average (%) / Sector
5.27 / 466.38
  ROE Change Average (%) / Sector
-17.14 / 5,970.93
  ROIC (%) / Sector
  ROIC Average (%) / Sector
  ROIC Change Average (%) / Sector
Return to Investors 12%
X
  Dividend (%) / Sector
2.09 / 2.47
  Dividend Average (%) / Sector
3.59 / 46.22
  Dividend Change Average (%) / Sector
-24.87 / -0.28
Registration Details
X
  Analyze Date 2026-08-06 08:00:17
  Symbol LSBK
  Name LAKE SHORE BANCORP INC
  Sector Financial Services >> Banks - Regional
  Market NASDAQ
  Listed Shares 7.86 M
  Par Value N/A
  Calculated From Quarter
  Sign N/A
  Market Cap (M.USD) / Sector Average 135.02 / 7,084.08
News, Concensus, ...
  Estimation Consensus See at WSJ.com
  Full details See at WSJ.com
  Chart See in Chart feature
  News See at Yahoo Finance

Address: 31 East Fourth Street, Dunkirk, NY, United States, 14048

Phone: 716 366 4070

Website: https://mylsbank.com

Employees: 87

Sector: Financial Services >> Banks - Regional

Description: Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW 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. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.

ME vs SECTOR Financial Services >> Banks - Regional

LSBK (ME)
Sector Peers
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Financial Services › Banks - Regional

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LSBK
LSBK
USD 17.07 (-0.58%)
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