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Company Analysis

Lake Shore Bancorp, Inc. LSBK

A comprehensive view of key metrics, scores, and financial health for Lake Shore Bancorp, Inc.

Overview of Lake Shore Bancorp, Inc.

LSBK NGM
Financial Services Banks - Regional Micro Cap
Lake Shore Bancorp, Inc. (LSBK), is a Micro Cap company, in the Banks - Regional industry, last closed at $15.40, about 25.9% undervalued vs fair value, +31.1% 1Y return, ranked 399/1004 in sector.
$15.40
-0.19%
As of March 13, 2026
Previous close • Vol 90d: 15.4%
52-Week Range
Market Cap
$112.96M
Enterprise Value
$31.32M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://mylsbank.com
HQ Dunkirk, NY
Fiscal year Dec 31

Next Events

Earnings Apr 28 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$19
$36
Current: $15.40 +26% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$34.8M
3.1%%
Interest Expense
$11.7M
Net Interest Income
$21.1M
-13.5%%
Total Revenue
$39.6M
62.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.1M
22.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Lake Shore Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
57
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing LSBK's balance between Growth (33.2%), Profitability (37.4%), and Safety (29.4%). Growth 33% Safety 29% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

33th percentile vs peers
33
Key Signals
Rev Growth YoY 62.3% 56p Revenue CAGR 3Y 13.5% 31p Asset Growth YoY -5.5% 5p
Strengths

No notable strengths identified for this axis.

Risks
  • Asset Growth Yoy in bottom 20% of peers (-5.5%)
  • Growth below peer median (percentile: 33)

Profitability

37th percentile vs peers
37
Key Signals
Strengths
Risks
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Safety

29th percentile vs peers
29
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Lake Shore Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$19.39
- - -
+25.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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