Lake Shore Bancorp, Inc.
Lake Shore Bancorp, Inc.
Your view on LSBK
Overview
What the company does, where it operates, and who runs it.
About Lake Shore Bancorp, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Kim C. Liddell
- Headquarters
- 31 East Fourth Street, Dunkirk, NY, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Kim C. Liddell
- Headquarters
- 31 East Fourth Street, Dunkirk, NY, US
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services.
It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings 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.
The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit.
As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Lake Shore Bancorp, Inc., and the rating behind it. LSBK last traded at $18.42, 16.7× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Lake Shore Bancorp, Inc.. Starting points for Lake Shore Bancorp, Inc.: P/E 16.7, EPS $1.12, beta 0.29 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Lake Shore Bancorp, Inc.. Lake Shore Bancorp, Inc. paid $0.36 per share over the last year — a 2.0% yield at the current $18.42 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Lake Shore Bancorp, Inc.. Trailing twelve-month EPS for Lake Shore Bancorp, Inc. stands at $1.12. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Lake Shore Bancorp, Inc.. Lake Shore Bancorp, Inc. has reported as a listed company since 2006. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Lake Shore Bancorp, Inc. valued side by side against its closest peers. Lake Shore Bancorp, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Lake Shore Bancorp, Inc., and how their positions are changing. At a $144.9M market value, institutional positions materially move Lake Shore Bancorp, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Lake Shore Bancorp, Inc. executives and directors. Shares of Lake Shore Bancorp, Inc. have traded between $9.70 and $14.45 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Lake Shore Bancorp, Inc.. Lake Shore Bancorp, Inc. is a $144.9M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Lake Shore Bancorp, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Lake Shore Bancorp, Inc.. Coverage tracks Lake Shore Bancorp, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.