LSBK
Lake Shore Bancorp Inc
NASDAQ: LSBK · FINANCIAL SERVICES · BANKS - REGIONAL
$17.05
+0.29% today
Updated 2026-07-10
Market cap
$136.66M
P/E ratio
15.95
P/S ratio
4.66x
EPS (TTM)
$1.09
Dividend yield
2.00%
52W range
$11 – $18
Volume
0.0M
WallStSmart proprietary scores
64
out of 100
Grade: C+
Hold
Investment rating
8.7
Growth
A3.8
Quality
D7.0
Profitability
B+6.0
Valuation
B5/9
Piotroski F-Score
Moderate
0.5
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →198 stocks currently score above 75
Price targets
Analyst target
$17.89
+4.93%
12-Month target
$17.89
+4.93%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Profit margin 27.70% — above average
+ Free cash flow $2.78M — positive
+ Revenue growth 21.70% QoQ
Risks
- Altman Z 0.51 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $29.46M | $36.39M | $38.11M | $39.55M | $29.35M |
| Net income | $5.71M | $4.82M | $4.93M | $7.27M | $1.92M |
| EPS | — | — | — | — | $1.09 |
| Free cash flow | $7.73M | $5.81M | $2.39M | $7.44M | $2.78M |
| Profit margin | 19.38% | 13.25% | 12.94% | 18.38% | 27.70% |
Peer comparison
Smart narrative
Lake Shore Bancorp Inc trades at $17.05. representing a P/E of 15.95x trailing earnings. Our Smart Value Score of 64/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of 0.51, it sits in the distress. TTM revenue stands at $29.35M. with profit margins at 27.70%.
Frequently asked questions
What is Lake Shore Bancorp Inc's stock price?
Lake Shore Bancorp Inc (LSBK) trades at $17.05, on a P/E of 16.0x and a P/S of 4.7x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Lake Shore Bancorp Inc overvalued?
Lake Shore Bancorp Inc carries a Smart Value Score of 64/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Lake Shore Bancorp Inc (LSBK)?
The 12-month analyst consensus target is $17.89, about 4.9% above the current $17.05. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Lake Shore Bancorp Inc's revenue?
Lake Shore Bancorp Inc's trailing twelve-month revenue is $29.35M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Lake Shore Bancorp Inc's Altman Z-Score is 0.51, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio4.66x
ROE5.71%
Beta0.31
50D MA$16.10
200D MA$14.97
Shares out0.01B
Float0.01B
Short ratio—
Avg volume0.0M
Performance
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