Lake Shore Bancorp Inc (LSBK)

Lake Shore Bancorp Inc. is a bank holding company listed on NASDAQ under the ticker LSBK. Through its banking subsidiary, Lake Shore Bank, the company provides deposit and lending services in New York. Its deposit base includes savings and checking accounts, money market products, time deposits, retirement and health savings accounts, and certain business and lawyer-related accounts. The lending book includes commercial real estate, construction, business, residential mortgage, home equity, and consumer loans. The bank also provides debit and credit cards, online and mobile banking, direct deposit, wire transfer services, safe deposit boxes, overdraft protection, notary services, money orders, and other related banking services. Founded in 1891 and based in Dunkirk, New York, the company operates as a common equity issuer in the financials sector.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-LSBK
$15.02
-19.3% Downside
Overvalued
Not available
Not available
Good
1.9%
16.4x
1.0x
4.6x
137 M
0.0%
72.7%
-0.5
31.5%
125.2%
Valuation • Fair Value

Lake Shore Bancorp Inc (NASDAQ-LSBK) Fair Value by Valuation Model

Review the available estimates for Lake Shore Bancorp Inc (NASDAQ-LSBK), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$15.02

Estimated downside of 19.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$12.65

Classic Ben Graham valuation formula reference.

DDM Fair Value

$16.69

Dividend discount model valuation reference.

Comps Fair Value

$14.46

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Lake Shore Bancorp Inc (NASDAQ-LSBK) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Lake Shore Bancorp Inc (NASDAQ-LSBK)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

29.906 M

Current operating scale indicator.

Revenue Forecast

28.999 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Lake Shore Bancorp Inc (NASDAQ-LSBK) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Lake Shore Bancorp Inc (NASDAQ-LSBK)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Altman Z-Score

-0.5

Lower score that deserves closer risk review.

FCF / Net Income

125.2%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Lake Shore Bancorp Inc (NASDAQ-LSBK). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Dividend Profile for Lake Shore Bancorp Inc (NASDAQ-LSBK)

Review the dividend metrics currently supported by the latest data.

Dividend Yield

1.9%

Current income yield reference.

Payout Ratio

31.5%

Dividend payout reference.

How to read events and dividends

Review the currently available dividend data for Lake Shore Bancorp Inc (NASDAQ-LSBK). No upcoming company event date is included in the latest data.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Buy

The 15-minute technical read for Lake Shore Bancorp Inc (NASDAQ-LSBK) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Lake Shore Bancorp Inc (NASDAQ-LSBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Lake Shore Bancorp Inc (NASDAQ-LSBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Lake Shore Bancorp Inc (NASDAQ-LSBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Lake Shore Bancorp Inc (NASDAQ-LSBK) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ • Fast Investor Answers

Lake Shore Bancorp Inc (NASDAQ-LSBK) Stock FAQ

Data-supported answers about Lake Shore Bancorp Inc (NASDAQ-LSBK), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$15.02
Estimated downside 19.3%
Valuation Rating
Overvalued
Estimated downside of 19.3%
Financial Health
Good
Current financial-health read

The current fair value estimate for Lake Shore Bancorp Inc (NASDAQ-LSBK) is $15.02. This implies an estimated downside of 19.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 19.3% versus the current market price.

The current financial health read for Lake Shore Bancorp Inc (NASDAQ-LSBK) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

Based on the current data, dividend yield is 1.9%.

The current P/E ratio listed for Lake Shore Bancorp Inc (NASDAQ-LSBK) is 16.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Lake Shore Bancorp Inc is 137 M.

The ticker symbol for Lake Shore Bancorp Inc is NASDAQ-LSBK, and the stock is listed on NASDAQ.

Lake Shore Bancorp Inc (NASDAQ-LSBK) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Lake Shore Bancorp Inc is 0.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Lake Shore Bancorp Inc is 72.7%. Free float helps investors understand how much of the share base is available for public trading.