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Equity
Lake Shore Bancorp Inc(LSBK)
USD --+0.00%
Reward50Moderate
Risk28Low
📊75%Data
Strong 25% profit margin · Revenue growing 20% YoY
LSBK
+0.0 · +0.00%
USD · NASDAQ
Lake Shore Bancorp Inc | Financial Services
Defensive Anchor
Market Cap:110.04M
ℹ️
Reward Rating
50
Moderate
Bottom 50% (model universe)
75% data coverage
ℹ️
Risk Rating
28
Low
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on LSBK to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Lake Shore Bancorp Inc?

operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York.

LSBK · Verdict

Moderate reward · low risk

LSBK stands out on volatility and cash flow, but watch the valuation signal.

Based on 88% data coverage

LSBK · Verdict

What’s working & what to watch

Strengths 3

  • Volatility95/100

    Top decile vs peers

  • Cash flow70/100

    6% free-cash-flow margin

  • Balance sheet69/100

    Interest covered 0.7×

Watchouts 1

  • Valuation43/100

    Below average

Model-based scoring. For information only — not financial advice.

What is 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; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 110.04M, and a P/E ratio of 14.9x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (50)

The scoring profile indicates limited reward potential at this time, with profitability and momentum offering the most support. Risk indicators are low, suggesting a relatively contained downside profile.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap110.04M
P/E Ratio14.9115
Dividend Yield1.88%
52 Week High15.75
52 Week Low9.8418
Last AnnualDecember
IPO Date4/4/2006
IncorporatedUSA
Shares Outstanding8M
No. of Employees93
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.286
CurrencyUSD
Websitemylsbank.com
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