Lake Shore Bancorp, Inc. (LSBK) stock
LSBKNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 10, 2026Score 9/3013% above fair value
$18.96−0.03 (-0.16%)
Close on Nov 13, 2026Market cap $148.91MP/E 16.9Yield 1.64%
Lake Shore Bancorp statistics
82 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 20, 2027 (estimated, during market hours)
- Last ex-dividend date
- Nov 2, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.05
- 1.52
- P/OCF Ratio
- 15.17
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 3.02
- 2.95
Share statisticsIndustry
- Shares Change (YoY)
- -2.99%
- 0.33%
- Shares Change (QoQ)
- -1.07%
- 0.00%
- Float
- 7M
- 17M
- Shares Held by Insiders
- 15.0%
- 6.05%
- Shares Held by Institutions
- 29.1%
- 61.3%
Short sellingIndustry
- Short Interest
- 35,680
- –
- Short Interest Change
- 50.2%
- -4.13%
- Short % of Float
- 0.53%
- 3.58%
- Short % of Shares Outstanding
- 0.45%
- 3.18%
- Days to Cover
- 1.74
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $19.34
- –
- 52-Week Low
- $13.90
- –
- 20-Day Moving Average
- $18.71
- –
- 50-Day Moving Average
- $18.33
- –
- 200-Day Moving Average
- $16.69
- –
- Average True Range (14)
- $0.47
- –
- Price Change (1 Week)
- 0.61%
- 0.69%
- Price Change (1 Month)
- 4.64%
- 3.79%
- Price Change (3 Months)
- 10.4%
- -2.72%
- Price Change (6 Months)
- 20.2%
- 12.2%
- Price Change (YTD)
- 29.3%
- 19.9%
- Price Change (1 Year)
- 32.1%
- 25.7%
- Price Change (3 Years)
- 85.9%
- 65.1%
- Price Change (5 Years)
- 26.3%
- 26.9%
- Price Change (10 Years)
- 33.2%
- 66.8%
- Average Volume (10 Days)
- 14,934
- –
- Average Volume (20 Days)
- 18,465
- –
- Average Volume (90 Days)
- 18,577
- –
- Relative Volume
- 0.99
- 0.68
- Relative Strength Index (14)
- 57.9
- 53.1
- Volatility (1 Year)
- 19.2%
- 24.4%
- Beta (5 Years)
- 0.26
- 0.63
MarginsIndustry
- Pretax Margin
- 33.6%
- 37.0%
Returns on capitalIndustry
- Return on Equity (ROE)
- 5.94%
- 10.7%
- Return on Assets (ROA)
- 1.13%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 12.3%
- 11.7%
- Net Income Growth (YoY)
- 22.6%
- 22.6%
- EPS Growth (YoY)
- 24.4%
- 21.6%
- Revenue Growth (3Y CAGR)
- 193.2%
- 5.82%
- Revenue Growth (5Y CAGR)
- 99.6%
- 6.17%
- EPS Growth (3Y CAGR)
- 0.00%
- 1.31%
- EPS Growth (5Y CAGR)
- 4.73%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $347.63K
- $358.92K
- Profits Per Employee
- $95.91K
- $110.51K
- Employee Count
- 87
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $10.16M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $57.69M
- $165.09M
- Net Cash Per Share
- $7.35
- $8.07
- Equity (Book Value)
- $141.60M
- $570.13M
- Book Value Per Share
- $18.03
- $28.12
- Tangible Book Value
- $141.60M
- $478.27M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 5.60%
- 8.29%
- Dividend Yield
- 1.64%
- 2.44%
- Buyback Yield
- 1.26%
- 1.82%
- Shareholder Yield
- 2.89%
- 3.26%
- Dividend Per Share
- $0.31
- $0.92
- Dividend Growth (YoY)
- -22.5%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 31.7%
- 28.5%
Taxes and interestIndustry
- Income Tax
- $1.81M
- $16.14M
- Effective Tax Rate
- 17.8%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $21.32
- $45.07
- Graham Upside
- 12.4%
- 18.8%
- Altman Z-Score
- 0.37
- 0.22
- Piotroski F-Score
- 7
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | LSBK | S&P 500 | Difference | LSBK per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +9.7% | -3.0% | +12.8 pts | ||
| 3 months | +10.8% | -2.8% | +13.5 pts | ||
| Year to date | +32.2% | +11.5% | +20.7 pts | ||
| 1 year | +35.3% | +13.5% | +21.9 pts | ||
| 3 years | +176.9% | +77.7% | +99.2 pts | +40.4% | +21.1% |
| 5 years | +96.4% | +72.6% | +23.8 pts | +14.5% | +11.5% |
| 10 years | +140.6% | +308.2% | −167.6 pts | +9.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M LSBK shares were sold short on Oct 30, 2026, up 50.2% from the previous report, or 0.53% of the shares available to trade. At recent volumes it would take 1.7 days to buy them back. Over the last 20 sessions, 42.4% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 35,680 | +50.2% | 20,523 | 1.7 |
| Oct 15, 2026 | 23,758 | -14.8% | 18,017 | 1.3 |
| Sep 30, 2026 | 27,881 | +52.6% | 41,891 | 1.0 |
| Sep 15, 2026 | 18,267 | +35.3% | 27,175 | 1.0 |
| Aug 31, 2026 | 13,498 | -4.0% | 10,354 | 1.3 |
| Aug 14, 2026 | 14,055 | -6.8% | 9,347 | 1.5 |
| Jul 31, 2026 | 15,087 | -17.8% | 9,686 | 1.6 |
| Jul 15, 2026 | 18,363 | +14.7% | 6,307 | 2.9 |
| Jun 30, 2026 | 16,007 | -0.9% | 10,143 | 1.6 |
| Jun 15, 2026 | 16,159 | -9.6% | 6,085 | 2.7 |
| May 29, 2026 | 17,882 | +22.9% | 17,964 | 1.0 |
| May 15, 2026 | 14,553 | -8.8% | 7,642 | 1.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
See a number that looks wrong?