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

Lake Shore Bancorp, Inc. (LSBK) has a MoatMap StockRank of 53/100 based on Quality (34/100), Value (36/100), and Momentum (69/100) factor scores. The current signal is HOLD. Lake Shore Bancorp is a micro-cap regional bank lacking scale, structural cost advantages, or any alignment with our high-conviction macro themes.

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.

Key Financial Metrics

Price$16.14
Market Cap$123M
P/E (TTM)14.39
Price/Book0.87
Return on Equity7.0%
Gross Margin0.0%
Operating Margin31.5%
Revenue Growth21.7%
Dividend Yield2.3%

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 53/100, with a Hold signal. It is a composite of Quality (34), Value (36), and Momentum (69) factor ranks across MoatMap’s 19,000+ stock universe.
Does Lake Shore Bancorp, Inc. have an economic moat?
Lake Shore Bancorp, Inc. (LSBK) has a Quality factor score of 34/100. 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 53/100. 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).
Browse all ranked stocksLSBK deep dive reportAI ChampionsHow we score stocksSense-check another stock