Lake Shore Bancorp, Inc. (LSBK) is a Financials stock trading at $17.01 (as of 2026-07-24), with a market capitalization of $133.75M and a trailing P/E of 18.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Lake Shore Bancorp, Inc. serves as the holding company for Lake Shore Savings Bank, offering deposit, loan, and related banking products. It provides deposit accounts for individuals and small to medium-sized businesses, and its lending includes commercial real estate and construction, home equity loans and lines of credit, one- to four-family mortgages, and consumer and other secured loans.
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank, providing banking products and services and accepting a range of deposit accounts (for individuals and commercial customers), which drive its banking activity.
The profit engine is the bank holding company model tied to deposit-taking activities, because the business is centered on assembling and serving many types of deposit accounts (checking, savings, money market, time deposits, and certain retirement and health-related accounts).
Business quality (Solid): Limited factual inputs for a segment or operating-metric view, because no official reportable segment revenue breakdown or operational KPI candidates were provided; the only clear quantitative datapoint available here is operating margin (26.0%) for 2026-03-31.
Valuation: At 16× earnings, LSBK trades 26% above the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $17.01 |
| Market Cap | $133.75M |
| P/E Ratio | 18.4 |
| EV / EBITDA | 8.2 |
| Price / Book | 0.94 |
| Price / Sales | 3.73 |
| Dividend Yield | 1.5% |
| FCF Yield | 7.9% |
| DCF Value (model) | $9.13 |
| DCF Upside vs Price | -46.3% |
| Revenue (TTM) | $36.28M |
| Net Margin | 20.0% |
| Return on Equity | 5.7% |
| Revenue Growth (YoY) | 5.0% |
| EPS Growth (YoY) | 36.8% |
| Stock P/E | 18.4 |
| Sector P/E (Financials) | 15.4 |
| Industry P/E (Banking) | 13.4 |
| vs Sector | 19.7% |
| vs Industry | 37.4% |
| Top Institutional Holder | STILWELL VALUE LLC ($11.74M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Kim C. Liddell |
| Employees | 93 |
| Country | US |
| IPO Date | 2006-04-05 |
Data as of 2026-07-24.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.