Lake Shore Bancorp Inc.

LSBK | NASDAQ

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$18.31

+$0.35 (+1.95%)

At close: Sep 21, 2026, 4:00 PM ET

$18.31

$0 (0.00%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $141.23M

Enterprise Value $31.7M

Beta 0.29

Average Volume 9.77K

Shares Outstanding (Diluted) 7.49M

Shares Change YoY -2.06%

Institutional Ownership 30.19%

Exchange NASDAQ

ISIN US5107041098

Price Performance

Price Change 1M 6.1%

Price Change 3M 8.7%

Price Change 6M 19.0%

Price Change YTD 24.6%

Price Change 1Y 40.5%

Price Change 3Y 145.4%

Price Change 5Y 67.5%

1M CAGR (ann.) 4.7%

1Y CAGR (ann.) 40.8%

5Y CAGR (ann.) 13.7%

All-Time CAGR 6.9%

Valuation

PE Ratio 16.35

Forward PE N/A

PEG Ratio 0.33

Forward PEG 0.33

PS Ratio 3.56

Forward PS N/A

PB Ratio 1.01

P/FCF Ratio 14.92

P/Adj. FCF Ratio 15.97

P/OCF Ratio 12.89

EV/Sales 0.78

EV/EBIT 3.11

EV/EBITDA 2.98

EV/FCF 3.28

Earnings Yield 6.1%

FCF Yield 6.7%

Adj. FCF Yield 6.3%

Financial Health

Net Cash $112.29M

Total Debt $0

Cash & Short-Term Investments $112.29M

Total Assets $722.01M

Current Ratio 0.01

Quick Ratio 0.01

Debt / Equity Ratio 0.00

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 0.95

Altman Z-Score -0.53

Piotroski F-Score 9

Margins & Profitability

Gross Profit Margin 74.2%

Operating Profit Margin 25.2%

EBITDA Margin 26.3%

Net Profit Margin 20.7%

FCF Margin 23.9%

Adj. FCF Margin 22.3%

SBC / Revenue 1.3%

SBC Impact (per share) -6.6%

Returns

Return on Assets 1.1%

Return on Equity 5.9%

Return on Invested Capital 5.3%

Return on Capital Employed 6.4%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 6.8%

Revenue CAGR 5Y 8.0%

Revenue CAGR 10Y 6.3%

EPS CAGR 3Y 18.1%

EPS CAGR 5Y 11.8%

EPS CAGR 10Y 6.8%

FCF CAGR 3Y 7.7%

FCF CAGR 5Y 12.5%

FCF CAGR 10Y 8.4%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 20, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $22.06

Graham Upside 20.5%

Lynch Fair Value $13.26

Lynch Upside -27.6%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $10.07M

Free Cash Flow $9.65M

Adj. Free Cash Flow $9.02M

FCF Per Share $1.40

OCF Per Share $1.42

OCF/S Ratio 26.2%

Income Statement

Revenue $40.45M

Gross Profit $29.99M

Operating Income $10.19M

EBITDA $10.64M

Net Income $8.39M

EPS (Diluted) $1.12

Revenue / Employee $434.96K

Profit / Employee $90.2K

Employees 93

Dividends

Annual Dividend $0.36

Dividend Yield 1.97%

Payout Ratio 32.1%

FCF Payout Ratio 20.5%

Adj. FCF Payout Ratio 21.9%

Dividend Growth (YoY) -26.3%

Pay Frequency Quarterly

Ex-Dividend Date Aug 2, 2026