LSBK
Lake Shore Bancorp, Inc.
LSBK's fundamentals are strong: its operating margin rose 3 points to 34% and revenue grew 12%. At 17x earnings, it's trading in line with its usual 16x.
LSBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
LSBK's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like LSBK.
LSBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $13.90 | -27% |
| Fair | 16x | $18.14 | -4.5% |
| Current | 17x | $18.99 | — |
| Expensive | 18x | $20.62 | +8.6% |
Historical ranges are pointers, not guarantees.
LSBK's PE is in its fair range at 17x.
LSBK Forward outlook
There aren't enough analyst estimates for LSBK to show an outlook.
LSBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.12 | +22% |
| Q2 2026 | $1.13 | +45% |
| Q1 2026 | $1.09 | +65% |
| Q4 2025 | $0.97 | +49% |
| Q3 2025 | $0.92 | +74% |
| Q2 2025 | $0.78 | +42% |
| Q1 2025 | $0.66 | +27% |
| Q4 2024 | $0.65 | +6.6% |
LSBK's earnings per share have climbed steadily: $1.12 over the past year, up 22% from the year before, and higher year over year for eight quarters in a row.
LSBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.9M | +6.9% |
| Q2 2026 | $7.6M | +10% |
| Q1 2026 | $7.4M | +19% |
| Q4 2025 | $7.3M | +14% |
| Q3 2025 | $7.4M | +20% |
| Q2 2025 | $6.9M | +16% |
| Q1 2025 | $6.2M | +6% |
| Q4 2024 | $6.4M | -1.1% |
LSBK's revenue has grown year over year for seven quarters in a row: $8M last quarter, up 6.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | -3 points |
| Q2 2026 | 35% | +1.5 points |
| Q1 2026 | 32% | +12 points |
| Q4 2025 | 32% | +4.8 points |
| Q3 2025 | 38% | +13 points |
| Q2 2025 | 33% | +11 points |
| Q1 2025 | 20% | -0.1 points |
| Q4 2024 | 27% | +7.1 points |
LSBK's operating margin was 35% last quarter, down 3 points from the same quarter a year ago, near the top of its range since 2019.
LSBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.5M | -25% |
| Q1 2026 | $2.8M | +390% |
| Q4 2025 | $2.1M | -36% |
| Q3 2025 | $3.3M | +$4.7M |
| Q1 2025 | $568K | +$605K |
| Q4 2024 | $3.4M | +118% |
| Q3 2024 | -$1.4M | -218% |
| Q2 2024 | $573K | -68% |
LSBK's free cash flow was $10M over the past year, up 66% from the year before. Free cash flow isn't a meaningful measure for financial services companies like LSBK.
LSBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -26.5K shares |
| 1 year | -0.4% | -27.6K shares |
| 3 years | -6.9% | -548K shares |
| 5 years | -7.5% | -600K shares |
| Available history | -9.3% | -759K shares |
LSBK has 7M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.8M |
| Q2 2026 | $50,000 |
| Q1 2026 | $32,000 |
| Q4 2025 | $2,000 |
| Q3 2025 | — |
| Q1 2025 | $35,000 |
| Q4 2024 | $3,000 |
| Q3 2024 | — |
LSBK spent $2M buying back its own shares over the past year.
LSBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.7x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -3.5x | Net Cash |
| Q3 2024 | -6.4x | Net Cash |
| Q2 2024 | -5.8x | Net Cash |
| Q1 2024 | -4.7x | Net Cash |
| Q4 2023 | -2.6x | Net Cash |
LSBK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like LSBK.
LSBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 74.7 | Overbought |
| Stochastic | 78.8 | Neutral |
LSBK's weekly RSI is 75 (overbought) and its Stochastic is 79 (neutral).
LSBK PE vs Financial Services Sector
| Metric | LSBK | Sector median | Relative |
|---|---|---|---|
| PE | 17x | 13x | 30% above |
| PE % | 62 | 63 | 1 pt below |
LSBK is trading at 17x earnings, a 30% premium to the Financial Services sector's median of 13x.
LSBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.5 | 2.8% above |
| 20 week MA | $17.8 | 6.8% above |
| 50 week MA | $16.4 | 16% above |
| 100 week MA | $14.2 | 34% above |
| 200 week MA | $11.4 | 66% above |
LSBK is in an uptrend: it's above all five of its weekly moving averages, and 66% above its 200-week average.
LSBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $11.3 | $9.60 | -15% |
| 2021 | $9.60 | $11.2 | +17% |
| 2022 | $11.2 | $9.10 | -19% |
| 2023 | $9.10 | $8.65 | -4.9% |
| 2024 | $8.65 | $9.90 | +14% |
| 2025 | $9.90 | $14.8 | +49% |
| 2026 YTD | $14.8 | $19.0 | +29% |
LSBK has finished lower in three of the last six years. It's up 29% so far in 2026.