Lake Shore Bancorp Inc
Research Lake Shore Bancorp Inc (LSBK) on Bullrun: valuation model: 7.9% overvalued, market cap USD 135.57M, P/E 15.4, dividend yield 2.1%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerLSBK
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal7.9% overvalued
- Market capUSD 135.57M
- P/E15.4
- Dividend yield2.1%
- Financial periodQ1 2026
- RevenueUSD 7.36M
- Net incomeUSD 1.92M
- Free cash flowUSD 2.78M
Valuation Snapshot
Bullrun's latest valuation model marks Lake Shore Bancorp Inc as 7.9% overvalued; latest market cap is USD 135.57M; P/E is 15.4; dividend yield is 2.1%.
Peer valuation comparison
Latest P/E is 15.38x versus a Financial Services sector median of 13.84x (11.2% above).
Latest dividend yield is 2.1% versus a Financial Services sector median of 3.86% (45.5% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 27.84M | USD 7.27M | USD 7.44M | n/a | 0.97 | USD 64.28M | USD 0 | USD 141.64M |
| FY2024 | USD 24.37M | USD 4.93M | USD 2.51M | n/a | 0.65 | USD 33.13M | USD 10.25M | USD 89.87M |
| FY2023 | USD 26.99M | USD 4.82M | n/a | n/a | 0.83 | USD 53.73M | USD 35.25M | USD 86.27M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 135.57M | 15.4 | 2.1% | 0.36 |
| 2025 | 2025-12-31 | USD 114.88M | 15.4 | 2.1% | 0.31 |
| 2024 | 2024-12-31 | USD 56.67M | 12.8 | 3.8% | 0.39 |
| 2023 | 2023-12-29 | USD 48.14M | 9.6 | n/a | n/a |
| 2022 | 2022-12-30 | USD 50.85M | 8.2 | 5.6% | 0.5 |
| 2021 | 2021-12-31 | USD 62.62M | 10.4 | 3.6% | 0.4 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.36 USD, yield 2.1%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.31 USD |
| FY2024 | 0.4 USD |
About Lake Shore Bancorp Inc
Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW 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;
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Frequently asked questions
Is Lake Shore Bancorp Inc overvalued or undervalued?
Bullrun's valuation model currently marks Lake Shore Bancorp Inc as 7.9% overvalued.
What is Lake Shore Bancorp Inc's market cap?
Lake Shore Bancorp Inc's market capitalization is USD 135.57M.
What is Lake Shore Bancorp Inc's P/E ratio?
Lake Shore Bancorp Inc's price-to-earnings (P/E) ratio is 15.4.
Does Lake Shore Bancorp Inc pay a dividend?
Lake Shore Bancorp Inc has a dividend yield of 2.1%.
What does Lake Shore Bancorp Inc do?
Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York.