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LSBK

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Lake Shore Bancorp, Inc. · Financial Services · United States · $135M · Avg Vol: $241K/d

74
StockRank
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Q
50
V
45
M
75
P/E (TTM)
15.2x
ROE
7.1%
D/E
0.0x
Dividend %
2.1%
Dir. Trades · 180d
None →
Buybacks · 180d
$138K →

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)

Year20212022202320242025CAGRTTM
Revenue—27.0M27.0M24.4M27.8M1.0%30.0M
EPS—0.970.820.880.970.0%1.14
Shares—5.7M5.6M5.6M7.8M+37.3%7.9M
Debt21.9M37.5M35.3M10.3M—-22.4%—
Equity—81.2M86.3M89.9M141.6M20.4%—
Op CF—8.2M6.2M2.5M8.0M-0.8%10.6M
Inv CF—-57.2M19.5M21.1M-8.1M——
Fin CF—-9.0M18.4M-44.2M31.3M——
Loading 1Y...
PRICE (1Y)+10.0%
17.0517.5017.9518.4018.85Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$18.85
RSI (14)
90.9
52W High
$18.99
From 52W High
1.0%

SCORE BREAKDOWN

Quality
50
ROIC (ROA)
1.1%*40.2
ROE
7.1%35.0
GP/Assets
4.1%N/A
Op. Margin
36.2%52.9
FCF/Assets
1.0%N/A
Piotroski
578.9
Int. Cover
—50.0
D/E Ratio
0.00xN/A
Current Ratio
bankN/A
Value
45
P/E (TTM)
15.2x37.5
EV/EBITDA
bankN/A
P/FCF
18.1xN/A
P/B
0.9x73.0
P/S
4.6x37.7
Div Yield
2.1%26.1
Momentum
75
52W High %
99%96.0
RS 6M
11%73.1
SMA 50/200
1.09x69.3
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
13%43.6

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.

TickerCompanyMkt CapStockRankSignal
LSBKLake Shore Bancorp, Inc.(you)$135M74Buy
UNBUnion Bankshares, Inc.$117M71Buy
BKSCBank of South Carolina Corporation$101M76Buy
ECBKECB Bancorp, Inc.$181M72Buy
BVFLBV Financial, Inc.$181M78Buy
PEBKPeoples Bancorp of North Carolina, Inc.$233M75Buy
MGYRMagyar Bancorp, Inc.$126M85Strong Buy
SBFGSB Financial Group, Inc.$173M82Strong Buy
AUBNAuburn National Bancorporation, Inc.$92M79Buy
SFBCSound Financial Bancorp, Inc.$120M64Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

Lake Shore Bancorp, Inc. (LSBK) has a MoatMap StockRank of 74/100 based on Quality (50/100), Value (45/100), and Momentum (75/100) factor scores. The current signal is BUY.

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$18.85
Market Cap$135M
P/E (TTM)15.25
Price/Book0.88
Return on Equity7.1%
Debt/Equity0.00x
Operating Margin36.2%
Revenue Growth8.7%
Dividend Yield2.1%
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 74/100, with a Buy signal. It is a composite of Quality (50), Value (45), and Momentum (75) factor ranks across MoatMap’s universe of 25,000+ stocks.
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 Buy, based on a StockRank of 74/100. 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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