Lake Shore Bancorp, Inc.

$14.70

+$0.01 (+0.07%)

Jan 5, 2026

Price History (1Y)

Analysis

Lake Shore Bancorp, Inc. is a company in the Financial Services sector, specifically within the Banks - Regional industry. The firm has a relatively small market capitalization of $113.75M and generates annual revenue of $27.77M. The company's financial health appears to be stable, with an operating margin of 38.0% and a profit margin of 24.5%. However, its gross margin is 0.0%, indicating that the cost of goods sold may be equal to or greater than revenues. In terms of returns, Lake Shore Bancorp has a return on equity (ROE) of 5.9% and a return on assets (ROA) of 0.9%. The company's balance sheet shows $83.64M in cash and only $2.00M in debt. Valuation metrics for Lake Shore Bancorp are as follows: its price-to-earnings ratio is 13.13, and it has a revenue growth rate of 20.1% year-over-year. The company's dividend yield is 245.0%, with a payout ratio of 40.2%.

This analysis is AI-generated for informational purposes only and should not be considered financial advice. Data may be delayed or inaccurate. Always do your own research and consult a qualified financial advisor before making investment decisions.

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; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, commercial business loans, and home equity loans and lines of credit; commercial loans comprising business instalment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans comprising personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.

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Key Statistics

Market Cap
$113.75M
P/E Ratio
13.13
52-Week High
$15.19
52-Week Low
$9.86
Avg Volume
19.01K
Beta
0.29
Dividend Yield
245.00%

Company Info

Exchange
NGM
Country
United States
Employees
93