What is Lake Shore Bancorp, Inc.'s (LSBK) StockRank?

MoatMap's StockRank for Lake Shore Bancorp, Inc. (LSBK) is 63/100, with a Hold signal. This is a composite score combining Quality (50), Value (44), and Momentum (63) factor ranks across MoatMap's 20,000+ stock universe.

Does Lake Shore Bancorp, Inc. have an economic moat?

Lake Shore Bancorp, Inc. (LSBK) has a Quality factor score of 50/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Lake Shore Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Lake Shore Bancorp, Inc. (LSBK) is Hold, based on a StockRank of 63/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Lake Shore Bancorp, Inc. in?

Lake Shore Bancorp, Inc. (LSBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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LSBK

HOLD

Lake Shore Bancorp, Inc. · Financial Services · United States · $135M · Avg Vol: $157K/d

StockRank

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P/E (TTM)

17.2x

ROE

7.1%

D/E

0.0x

Dividend %

2.1%

COMPANY DESCRIPTION

Lake Shore Bancorp, Inc. is a community-focused bank holding company operating through Lake Shore Savings Bank, serving Western New York with a comprehensive suite of banking services including deposits, various loan products, and wealth management. The company's competitive moat lies in its deep local market expertise and strong community ties, fostering customer loyalty and personal service that differentiates it from larger institutions. It plays a vital role in the economic development of its specific operating regions.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM
Revenue	—	27.0M	27.0M	24.4M	27.8M	1.0%	30.0M
EPS	—	0.97	0.82	0.88	0.97	0.0%	1.00
Shares	—	5.7M	5.6M	5.6M	7.8M	+37.3%	7.9M
Debt	21.9M	37.5M	35.3M	10.3M	—	-22.4%	—
Equity	—	81.2M	86.3M	89.9M	141.6M	20.4%	—
Op CF	—	8.2M	6.2M	2.5M	8.0M	-0.8%	8.0M
Inv CF	—	-57.2M	19.5M	21.1M	-8.1M	—	—
Fin CF	—	-9.0M	18.4M	-44.2M	31.3M	—	—

Loading 1Y...

PRICE (1Y)+6.2%

SMA 50SMA 200

$17.20

RSI (14)

58.1

52W High

$17.96

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.1%*40.9

ROE

7.1%35.7

GP/Assets

4.1%N/A

Op. Margin

35.2%53.7

FCF/Assets

1.0%N/A

Piotroski

577.0

Int. Cover

—50.0

D/E Ratio

0.00xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

17.2x31.9

EV/EBITDA

bankN/A

P/FCF

18.2xN/A

P/B

0.9x73.4

P/S

4.5x41.5

Div Yield

2.1%24.4

Momentum

52W High %

96%64.1

RS 6M

4%67.6

SMA 50/200

1.08x70.7

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

13%47.6

FUNDAMENTALS

Market Cap

$135M

P/E (Forward)

—

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LSBK are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
LSBK	Lake Shore Bancorp, Inc.(you)	$135M	63	HOLD
MGYR	Magyar Bancorp, Inc.	$118M	62	HOLD
ECBK	ECB Bancorp, Inc.	$174M	65	HOLD
UNB	Union Bankshares, Inc.	$114M	67	BUY
RBKB	Rhinebeck Bancorp, Inc.	$194M	63	HOLD
FDSB	Fifth District Bancorp, Inc.	$91M	63	HOLD
FUSB	First US Bancshares, Inc.	$92M	61	HOLD
BVFL	BV Financial, Inc.	$177M	69	BUY
HNVR	Hanover Bancorp, Inc.	$179M	57	HOLD
NKSH	National Bankshares, Inc.	$233M	65	BUY

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Lake Shore Bancorp, Inc. (LSBK) — Stock Score Summary

Lake Shore Bancorp, Inc. (LSBK) has a MoatMap StockRank of 63/100 based on Quality (50/100), Value (44/100), and Momentum (63/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$17.20
Market Cap	$135M
P/E (TTM)	17.20
Price/Book	0.89
Return on Equity	7.1%
Debt/Equity	0.00x
Operating Margin	35.2%
Revenue Growth	8.7%
Dividend Yield	2.1%
Free Cash Flow	$7M

Lake Shore Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Lake Shore Bancorp, Inc.’s (LSBK) StockRank?: MoatMap’s StockRank for Lake Shore Bancorp, Inc. (LSBK) is 63/100, with a Hold signal. It is a composite of Quality (50), Value (44), and Momentum (63) factor ranks across MoatMap’s 20,000+ stock universe.
Does Lake Shore Bancorp, Inc. have an economic moat?: Lake Shore Bancorp, Inc. (LSBK) has a Quality factor score of 50/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Lake Shore Bancorp, Inc. a buy, hold, or sell?: MoatMap’s current signal for Lake Shore Bancorp, Inc. (LSBK) is Hold, based on a StockRank of 63/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Lake Shore Bancorp, Inc. in?: Lake Shore Bancorp, Inc. (LSBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).