Lake Shore Bancorp, Inc. (LSBK)
Financials · Community banking / regional savings bank · Nasdaq
A Western New York community bank that converts deposits into commercial real estate and residential mortgages, recently converted from mutual holding company to public stock form in mid-2025.
What Lake Shore Bancorp, Inc. does
Lake Shore Bancorp, Inc. is a bank holding company that operates Lake Shore Bank, a community bank chartered in New York with ten branch offices in Western New York. The Bank attracts retail deposits and deploys them primarily into commercial real estate loans, residential mortgages, home equity lines of credit, and commercial and consumer loans, along with investment securities. Revenues are derived principally from net interest income on these assets, supplemented by service charges, fees, and other non-interest income.
Themes: ["Community banking","Net interest margin / lending","Retail deposits","Western New York regional bank"]
Fundamentals
- Price$17.05 as of 2026-07-10 close
- Market cap$132M as of 2026-07-13
- 1-year return+45.5% as of 2026-07-10 close
- P/E16.23 as of 2026-07-13
- Net margin+19.0% as of 2026-07-13
- ROE+6.3% as of 2026-07-13
- Debt / equity0.00 as of 2026-07-13
- Revenue growth (YoY)+29.2% as of 2026-07-13
- Beta0.30 as of 2026-07-13
Dividend: yield +2.1%; 1-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Credit quality deterioration in loan portfolio and collateral value decline, particularly in Western New York real estate market","Interest rate sensitivity and shifts in monetary policy affecting net interest margin and deposit/loan growth","Cyber-security and data breach risks affecting operational systems and third-party service providers"]
Competitors & peers
- Investors Bancorp
- Kearny Financial Corp
- Sterling Bancorp
- Northpointe Capital
Fundamentals: Finnhub, as of 2026-07-13. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-10.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.