Lake Shore Bancorp, Inc. (LSBK)
Financials · regional banking · NASDAQ
A community bank holding company providing retail and commercial banking services primarily to customers in Western New York.
What Lake Shore Bancorp, Inc. does
Lake Shore Bancorp, Inc. is a bank holding company that operates Lake Shore Bank, a community bank serving the Western New York region. The company provides a range of retail and commercial banking products, primarily financing its lending activities through retail deposits. Its loan portfolio consists largely of commercial real estate, residential mortgages, and home equity lines of credit.
Themes: community banking, commercial real estate lending, retail deposit gathering
Fundamentals
- Price$17.20 as of 2026-08-26 close
- Market cap$135M as of 2026-08-26
- 1-year return+30.8% 2025-08-26 close $13.15 → 2026-08-26 close $17.20
- P/E16.13 as of 2026-08-27
- Net margin+19.0% as of 2026-08-27
- ROE+6.3% as of 2026-08-27
- Debt / equity0.00 as of 2026-08-27
- Revenue growth (YoY)+29.2% as of 2026-08-27
- Beta0.31 as of 2026-08-27
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +6.9%; 1-year non-decreasing per-share dividend streak (SEC XBRL).
How LSBK compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-27
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-27
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-27
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-27
- indicated dividend yieldtop 10% 453 covered Financials peers, as of 2026-08-27
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, LSBK's dividend was covered by reported results (earnings payout 23%, operating-cash-flow payout 21%). This describes past coverage, not a forecast.
- Earnings payout23% dividends / net income
- Operating-cash-flow payout21% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Lake Shore Bancorp, Inc. looks technically
Lake Shore Bancorp, Inc. (LSBK) is trading 9.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 664 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 4 trading days ago. It is 4.2% below its all-time high. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 9.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +9.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $17.09 | $17.09 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $15.71 | $15.71 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 57 calendar days ago — the swings before that are what the structure reading is measured on | 57 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 16.64. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 5 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 664 trading days ago — a "golden cross", a bullish long-term signal | 664 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with buyers in control | 29.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30) | 54.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($17.03 to $17.28) — its "stochastic" reading is 68 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 68.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 36 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $17.96 | $17.96 |
|---|---|---|
| From the 52-week high | it is 4.2% below its 52-week high (its highest price of the past year) | -4.2% |
| Above the 52-week low | it is 37.6% above its 52-week low (its lowest price of the past year) | +37.6% |
| Below the 52-week high | it is 4.2% below its highest point of the past year | 4.2% |
| Since a 20-day breakout | it made a new 20-day high about 4 trading days ago | 4 sessions |
| Since a 55-day breakout | it made a new 55-day high about 41 trading days ago | 41 sessions |
| All-time high | its highest closing price on record is $17.96 (set on 2026-06-30) | $17.96 |
| Given back of the 52-week move | over the past year its closes ranged ($12.52 to $17.81), and it has given back only a small part of its rise from last year’s low — 12% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $14.37 to $14.54. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 11.5% |
| From the all-time high | it is 4.2% below its all-time high | -4.2% |
| Nearest price level | it is trading 1.5% below a resistance level at $17.46 — a price it turned at twice since 2026-06-22, most recently on 2026-08-03. Since 2024-08-26 it has 15 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.5% |
| All-time low | its lowest closing price on record is $3.18 (set on 2009-02-23) | $3.18 |
| Above the all-time low | it is 440.3% above its all-time low | +440.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move | 2nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.147 between its high and its low — about 0.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.147 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $17.05 and $17.30 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $17.05 – $17.17 – $17.30 |
| Typical daily range (% of price) | its price moves about 0.9% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 0.8% |
| Stretch from the 200-day average | it is trading 10.2 daily ranges above its 200-day average price (9.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale. Read that multiple with care: this company's daily range is unusually small (about 0.9% of its price), which is what makes the multiple large — a stock trading in a narrow band near a takeover price does this | 10.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.05× |
|---|
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-26 0.2% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.2% |
|---|---|---|
| Open gap | it gapped 3.2% below the previous close 39 sessions ago and has not traded back through the level it left behind at 17.81 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -3.2% |
| Gap filled | a 2.9% gap up opened on 2026-06-25 has been "filled" 42 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 42 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.7 percentage points (the stock gained 0.0% while the market gained 3.7%) | -3.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 8.2 percentage points (the stock gained 10.3% while the market gained 2.1%) | +8.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 0.2 percentage points (the stock gained 11.0% while the market gained 11.1%) | -0.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 12.1 percentage points (the stock gained 30.8% while the market gained 18.7%) | +12.1% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-21 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.4% of the share price, which is taken to mean a barrier that gives way easily. | +1.3% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $15.96 — a volume-weighted average of daily closes over 160 sessions, not a true tick-by-tick VWAP. | +7.8% |
|---|
Price levels it has turned at before
LSBK last closed at $17.20 on 2026-08-26. Since 2024-08-26 it has turned at 15 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $17.46 | Resistance | 1.5% above the last close | turned there twice · 2026-06-22 to 2026-08-03 |
| $16.68 | Support | 3.0% below the last close | turned there twice · 2026-06-30 to 2026-07-23 |
| $15.96 | Support | 7.2% below the last close | turned there twice · 2026-04-22 to 2026-05-26 |
| $15.70 | Support | 8.7% below the last close | turned there five times · 2026-01-22 to 2026-05-04 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.
This labelling fails — stops being a possible reading at all — if it closes below $16.64.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $18.65 and $21.90 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-26.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · in a Bollinger Band volatility squeeze · in a strong, established uptrend (ADX) · Near the all-time high · Printed a doji candle · Least volatile (2% or less typical daily range) | Learn: moving average · golden cross · adx · rsi · breakout · all time high · bollinger bands
Based on daily closing prices as of 2026-08-26. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Interest rate sensitivity and impact on net interest margin","Concentration of operations and lending in the Western New York regional economy","Credit risk related to loan portfolio quality and collateral values"]
What changed in the latest 10-Q
AI-assisted comparison of LSBK's 10-Q filed 2026-05-12 against the prior one filed 2025-11-12.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-12) added reference to 'December 31, 2025' in forward-looking statements risk factors section, updating from 'December 31, 2024' in older filing
- Removed:
- Older filing (2025-11-12) contained section header 'Recent Events' which is absent in newer filing (2026-05-12); newer filing uses 'Completion of Second-Step Conversion' as the section header instead
- Reworded:
- Overview section comparison dates changed from 'September 30, 2025 compared to December 31, 2024 and...three and nine months ended September 30, 2025 and 2024' (older) to 'March 31, 2026 compared to December 31, 2025 and...three months ended March 31, 2026 and 2025' (newer)
- Section header changed from 'Recent Events' (older, 2025-11-12) to 'Completion of Second-Step Conversion' (newer, 2026-05-12)
- Reference to parent entity name changed from 'Lake Shore Federal Bancorp, Inc., a federal corporation ("Lake Shore Federal Bancorp")' (older) to simply 'Lake Shore Federal Bancorp' (newer) in Conversion description
- Reference to subsidiary changed from 'Lake Shore Bancorp Federal' (older) to 'Lake Shore Federal Bancorp' (newer) in description of reorganization
- Notes:
- The newer filing text is truncated at the end of the Conversion section, limiting full comparison of that section
- Both filings appear to describe the same Conversion transaction with identical financial details ($49.5 million proceeds, share prices, ESOP details)
- Page number changed from 34 (older) to 30 (newer), likely due to document layout differences
Risk Factors
- Added:
- Added statement in Item 1A that there have been no material changes to risk factors since filing of Form 10-K for year ended December 31, 2025 (newer filing, 2026-05-12)
- Added disclosure in Item 2 that 2,102 shares were purchased in March 2026 at average price of $15.43 per share (newer filing, 2026-05-12)
- Added footnote (1) explanation that shares purchased represent shares withheld from vesting of restricted stock awards to cover income tax withholdings (newer filing, 2026-05-12)
- Removed:
- Removed reference to Form 10-K for year ended December 31, 2024 in Item 1A (was in older filing, 2025-11-12)
- Removed statement that Company's stock repurchase program was terminated effective July 18, 2025 in connection with conversion (was in older filing, 2025-11-12)
- Removed statement that share amounts for periods prior to July 18, 2025 have been adjusted to give retroactive recognition to exchange ratio of 1.3549 (was in older filing, 2025-11-12)
- Removed disclosure of zero shares purchased in July, August, and September 2025 (was in older filing, 2025-11-12)
- Removed footnote (1) reference to August 13, 2021 Board adoption of stock repurchase program authorizing repurchase of approximately 144,062 shares (was in older filing, 2025-11-12)
- Reworded:
- Quarter reporting period changed from 'quarter ended September 30, 2025' to 'quarter ended March 31, 2026' in Item 2 header
- Item 5 reference changed from 'During the third quarter of 2025' to 'During the first quarter of 2026'
- Footnote (2) remains substantively the same regarding October 22, 2025 Board adoption of repurchase plan with July 20, 2026 commencement date, but is now numbered as (2) instead of (1) and (2) in older filing
- Notes:
- The two filings cover different quarters (Q3 2025 vs Q1 2026) so period-specific disclosures naturally differ
- Item 1A in both filings indicates that detailed risk factor discussions are contained in the respective annual Form 10-K filings, not in the 10-Q itself
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for LSBK — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
2 institutional 13F filers reported holding LSBK as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 2
- Reported shares held 79,584
- Reported value $1,208,084
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 1 increased, 1 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
LSBK had 15,087 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
LSBK had 0.19% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1.56 days to cover at the same settlement.
- Reported short interest (shares) 15,087
- Short interest (% of shares outstanding) 0.19%
- Prior settlement (shares) 18,363
- Reported change -17.84%
- Days to cover (reported) 1.56
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- M&T Bank (MTB)
- KeyCorp (KEY)
- Five Star Bank (FSB)
- Evans Bancorp (EVBN)
- Community Bank System (CBU)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Lake Shore Bancorp, Inc. (LSBK) do?
Lake Shore Bancorp, Inc. is a bank holding company that operates Lake Shore Bank, a community bank serving the Western New York region. The company provides a range of retail and commercial banking products, primarily financing its lending activities through retail deposits. Its loan portfolio consists largely of commercial real estate, residential mortgages, and home equity lines of credit.
What sector is Lake Shore Bancorp, Inc. (LSBK) in?
Lake Shore Bancorp, Inc. (LSBK) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does LSBK pay a dividend?
Yes — Lake Shore Bancorp, Inc. (LSBK) pays a dividend, with an indicated yield of about 6.85% and 1-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-08-27). Informational only — not financial advice.
Who are Lake Shore Bancorp, Inc.'s (LSBK) competitors?
Notable peers of Lake Shore Bancorp, Inc. (LSBK) include M&T Bank, KeyCorp, Five Star Bank, Evans Bancorp and Community Bank System. This peer set is informational only — not financial advice.
Is Lake Shore Bancorp, Inc. (LSBK) overbought or oversold right now?
Lake Shore Bancorp, Inc. (LSBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 54, in the neutral middle (as of 2026-08-26). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on LSBK come from?
Fundamentals and prices come from market data, as of 2026-08-27; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-27. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-26.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.