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Home CompaniesLake Shore Bancorp Inc

Lake Shore Bancorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
18.96 USD 0.00(0%)
Last update at 2026-11-10T21:00:00Z
VOLUME
20
Market Cap
139.25M
P/E
16.12

Momentum Score

…

Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
18.35
Low
18.96
High
52 Week Price Range
12.21
Low
19.09
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Lake Shore Bancorp Inc is a bank holding company whose subsidiary operates a regional community bank offering deposits, commercial and consumer loans and mortgage services. Long-term growth may be supported by loan-book expansion, net interest margin improvement, fee-income growth and selective acquisitions, which could appeal to investors seeking local banking exposure.
Key risks include sensitivity to interest-rate and margin fluctuations, regional loan-concentration and credit-quality deterioration, competition for deposits and loans, and regulatory and execution risks related to growth strategies.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
18.96
Dividend Yield
1.98%
Revenue TTM
29.95M
Revenue Per Share
4.07
Gross Profit TTM
29.95M
Debt / Equity
0.01
ROE
7.06%
Net Debt
-62.95M
ROCE
1.20%
Diluted EPS TTM
1.10

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 8.75M 5.87M 6.22M 6.87M 7.47M
Net income 7.27M 4.93M 4.82M 5.71M 6.19M
Selling general administrative 8.85M 12.25M 12.37M 10.13M 10.84M
Selling and marketing expenses 0.04M 0.09M 0.58M 0.71M 0.60M
Gross profit 28.06M 25.85M 28.04M 27.04M 25.18M
Reconciled depreciation 0.61M 0.74M 0.81M 0.86M 0.86M
Ebit 8.75M 5.87M 6.22M 8.43M 7.47M
Ebitda 9.21M 6.61M 7.03M 9.29M 8.34M
Depreciation and amortization 0.46M 0.74M 0.81M 0.86M 0.86M
Operating income 8.75M 5.87M 6.21M 8.43M 7.47M
Other operating expenses 30.80M 32.24M 30.17M -18.61M -17.71M
Interest expense 11.72M 13.74M 9.40M 2.42M 2.67M
Tax provision 1.48M 0.94M 1.08M 1.16M 1.29M
Interest income 36.28M 34.80M 32.61M 26.75M 24.66M
Net interest income 24.57M 21.06M 25.35M 24.34M 21.99M
Income tax expense 1.48M 0.94M 1.40M 1.16M 1.29M
Total revenue 39.55M 38.11M 36.39M 27.04M 25.18M
Total operating expenses 19.31M 19.98M 21.82M -18.61M -17.71M
Cost of revenue 11.50M 12.26M 8.35M - -
Total other income expense net - -28.84M 0.01M -1.56M -2.67M
Net income from continuing ops 7.27M 4.93M 5.26M 5.71M 6.19M
Net income applicable to common shares - - - 5.71M 6.19M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 727.32M 685.50M 725.12M 699.91M 714.09M
Intangible assets - 0.18M - - -
Other current assets -55.55M - 56.60M - -30.43M
Total liab 585.68M 595.64M 638.85M 618.73M 21.95M
Total stockholder equity 141.64M 89.87M 86.27M 81.18M 87.98M
Other current liab 0.32M 572.98M 456.03M -12.60M -
Common stock 0.08M 0.07M 0.07M 0.07M 0.07M
Capital stock 0.08M 0.07M 0.07M 0.07M 0.07M
Retained earnings 88.40M 82.81M 78.96M 74.86M 70.59M
Other liab - - - - 10.44M
Other assets - 128.14M - 533.11M 457.29M
Cash 64.28M 33.13M 53.73M 9.63M 67.97M
Total current liabilities 0.32M 572.98M 484.63M 12.60M 593.72M
Current deferred revenue - - 3.31M - -
Net debt -62.95M -22.88M -17.76M 27.91M -46.02M
Short term debt - - 25.29M 12.60M -
Short long term debt - - 0.00M 12.60M -
Short long term debt total 1.33M 10.25M 35.97M 37.55M 21.95M
Other stockholder equity 60.87M 16.96M 17.70M 16.59M 16.34M
Property plant equipment - - - - 9.25M
Total current assets 64.28M 92.44M 56.60M 85.47M 159.25M
Long term investments 52.54M 56.49M 60.44M 73.05M 88.82M
Net tangible assets - - - 81.18M 87.98M
Short term investments 52.54M 56.49M 60.44M 73.04M 88.80M
Net receivables 3.01M 2.82M 2.83M 2.80M 2.48M
Long term debt - 10.25M 35.25M 24.95M 21.95M
Inventory - - -504.93M - 514.72M
Accounts payable - - 0.00M 570.12M 593.72M
Accumulated other comprehensive income -7.70M -9.96M -10.45M -10.33M 0.98M
Non currrent assets other 100.55M 41.04M 37.96M -81.33M -97.55M
Non current assets total 663.04M 593.06M 668.52M 81.33M 97.55M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 3.31M 21.12M 7.70M -57.20M -5.74M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -8.13M 21.12M - - -5.74M
Net borrowings -10.35M -25.09M - - -7.80M
Total cash from financing activities 31.28M -44.22M 18.37M -8.88M 21.80M
Change to operating activities - - - - -0.67M
Net income 7.27M 4.93M 4.82M 5.71M 6.19M
Change in cash 31.15M -20.60M 44.10M -57.95M 24.61M
Begin period cash flow 33.13M 53.73M 9.63M 67.58M 42.98M
End period cash flow 64.28M 33.13M 53.73M 9.63M 67.58M
Total cash from operating activities 8.00M 2.51M 6.21M 8.14M 8.55M
Issuance of capital stock 43.24M 0.00M - - -
Depreciation 0.46M 0.74M 0.81M 0.86M 0.86M
Other cashflows from investing activities -7.89M 17.83M - - 0.47M
Dividends paid 1.02M 1.08M 0.46M 1.44M 1.08M
Change to account receivables -0.18M 0.02M -0.04M -0.31M 0.50M
Sale purchase of stock -0.05M -0.02M -0.06M -0.09M -2.25M
Other cashflows from financing activities -0.54M -18.03M 20.80M -5.36M 0.01M
Change to netincome - - - - 1.16M
Capital expenditures 0.56M 0.11M 12.99M 0.41M 0.63M
Change in working capital -0.03M -2.51M 1.55M 0.53M -0.17M
Stock based compensation 0.39M 0.34M 0.10M 0.34M 0.37M
Other non cash items 0.06M -1.13M -1.09M 0.89M 1.07M
Free cash flow 7.44M 2.51M -6.78M 7.73M 7.92M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
LSBK
Lake Shore Bancorp Inc		 -
-%		 18.96 16.12 14.37 4.65 0.99 4.83
DBSDY
DBS Group Holdings Ltd ADR		 -1.20
0.54%		 219.05 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.15
0.43%		 34.53 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.36
0.39%		 90.94 11.53 10.27 5.72 1.83 8.22

Profile*

Lake Shore Bancorp Inc

Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.

31 East Fourth Street, Dunkirk, NY, United States, 14048

716 366 4070

https://mylsbank.com

87

Name Title Year Born
Mr. Daniel P. Reininga Pres, CEO & Director 1959
Ms. Rachel A. Foley CFO & Treasurer 1969
Mr. Jeffrey M. Werdein Exec. VP of Commercial Division 1967
Ms. Jennifer L. Zatkos CFE Chief Operating Officer 1980
Mr. Steven Schiavone Controller & Principal Accounting Officer 1979
Mr. Robert V. Cortellucci Chief Technology Officer NA
Ms. Nicole May Compliance & CRA Officer NA
Ms. Susan C. Ballard Exec. VP of Retail, Sales & Marketing 1964
Ms. Brenda Mikolajczak Assistant VP and Marketing & Sales Director NA
Ms. Tamara Bellanti Sr. VP of HR NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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