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Lake Shore Bancorp

LSBK

Market cap $146M

18.96 USD

-0.03

0.16%

At close Updated Nov 13, 4:00 PM EST

1 day

-0.16%

5 days

0.85%

1 month

9.22%

3 months

10.23%

6 months

20.23%

Year to date

29.07%

1 year

32.4%

5 years

24.74%

10 years

35.24%

About: Lake Shore Bancorp Inc operates as a savings and loan holding company. The bank's business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, in commercial real estate loans, one-to-four family residential mortgage loans, home equity lines of credit, and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its revenues are principally derived from interest earned on loans and investment securities.

Employees: 98

Financials Banks - Regional

News

Positive

Neutral

Negative

Sentiment 3-Months

Positive 0%

Neutral 100%

Negative 0%

Lake Shore Bancorp, Inc. Declares Dividend

DUNKIRK, N.Y., Oct. 23, 2026 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (“Lake Shore Bancorp”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on October 21, 2026. The dividend is expected to be paid on November 11, 2026 to shareholders of record as of November 2, 2026.

Lake Shore Bancorp, Inc. Declares Dividend

Lake Shore Bancorp, Inc. Announces Third Quarter 2026 Financial Results

DUNKIRK, N.Y., Oct. 21, 2026 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the “Company”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), reported unaudited net income of $2.3 million, or $0.31 per diluted share, for the third quarter of 2026 compared to net income of $2.4 million, or $0.32 per diluted share, for the third quarter of 2025. For the first nine months of 2026, unaudited net income was $6.4 million, or $0.87 per diluted share, versus $5.3 million, or $0.70 per diluted share, in 2025. Higher net interest income benefited third-quarter and nine-month 2026 results, partly offset by a higher provision for credit losses. The modest year-over-year decline in third-quarter net income and diluted earnings per share primarily was attributed to two one-time, nonrecurring, non-interest income events recognized in third-quarter 2025.

Lake Shore Bancorp, Inc. Announces Third Quarter 2026 Financial Results

Lake Shore Bancorp, Inc. Declares Dividend

DUNKIRK, N.Y., July 24, 2026 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (“Lake Shore Bancorp”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on July 22, 2026. The dividend is expected to be paid on August 12, 2026 to shareholders of record as of August 3, 2026.

Lake Shore Bancorp, Inc. Declares Dividend

Lake Shore Bancorp, Inc. Announces Second Quarter 2026 Financial Results

DUNKIRK, N.Y., July 22, 2026 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the “Company”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), reported unaudited net income of $2.2 million, or $0.29 per diluted share, for the second quarter of 2026 compared to net income of $1.9 million, or $0.25 per diluted share, for the second quarter of 2025. For the first six months of 2026, the Company reported unaudited net income of $4.1 million, or $0.56 per diluted share, as compared to $3.0 million, or $0.39 per diluted share, for the first six months of 2025. The Company's financial performance for the second quarter of 2026 was positively impacted primarily by higher net interest income.

Lake Shore Bancorp, Inc. Announces Second Quarter 2026 Financial Results

Lake Shore Announces First Quarter 2026 Financial Results

DUNKIRK, N.Y., April 22, 2026 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the “Company”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), reported unaudited net income of $1.9 million, or $0.26 per diluted share, for the first quarter of 2026 compared to net income of $1.1 million, or $0.14 per diluted share, for the first quarter of 2025. The Company's financial performance for the first quarter of 2026 was positively impacted primarily by an increase in net interest income.

Lake Shore Announces First Quarter 2026 Financial Results

Even After Recent Gains, The Valuation Is Still Compelling For Lake Shore Bancorp

Lake Shore Bancorp remains a Buy, driven by strong 2025 earnings, improved margins, and a compelling valuation below tangible book value. LSBK ended 2025 with a record net income of $7.3 million and a 56.4% increase in tangible book value per share to $18.10. Key operational improvements include a 52 bps net interest margin expansion, efficiency ratio gains, reduced borrowings, and nonperforming assets at just 0.23%.

Even After Recent Gains, The Valuation Is Still Compelling For Lake Shore Bancorp

Lake Shore Bancorp, Inc. Declares Dividend

DUNKIRK, N.Y., Jan. 23, 2026 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (“Lake Shore Bancorp”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on January 21, 2026. The dividend is expected to be paid on February 11, 2026 to stockholders of record as of February 2, 2026.

Lake Shore Bancorp, Inc. Declares Dividend

Lake Shore Announces Record Earnings for 2025

DUNKIRK, N.Y., Jan. 21, 2026 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (the “Company”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), reported unaudited net income of $1.9 million, or $0.26 per diluted share, for the fourth quarter of 2025 compared to net income of $1.5 million, or $0.19 per diluted share, for the fourth quarter of 2024. For the year ended December 31, 2025, the Company reported unaudited net income of $7.3 million, or $0.97 per diluted share, as compared to $4.9 million, or $0.65 per diluted share, for the year ended December 31, 2024. The Company's 2025 financial performance was positively impacted by an increase in net interest income and a decrease in non-interest expenses.

Lake Shore Announces Record Earnings for 2025

Lake Shore Bancorp, Inc. Declares Dividend

DUNKIRK, N.Y., Oct. 24, 2025 (GLOBE NEWSWIRE) -- Lake Shore Bancorp, Inc. (“Lake Shore Bancorp”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on October 22, 2025. The dividend is expected to be paid on November 12, 2025 to stockholders of record as of November 3, 2025.

Lake Shore Bancorp, Inc. Declares Dividend

Lake Shore Bancorp Looks Promising After Stock Conversion

Lake Shore Bancorp's mutual-to-stock conversion and strong Q2 earnings have driven a 30% YTD stock gain, yet shares remain undervalued at 0.82x book value. The bank reported its best profit numbers in a decade, with net interest margin and non-interest income both rising and credit quality improving. Risks include heavy concentration in real estate loans and a limited geographic footprint in a competitive Western New York market dominated by larger banks.

Lake Shore Bancorp Looks Promising After Stock Conversion

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