Stocks · Financial Services · Banks - Regional
Lake Shore Bancorp, Inc. LSBK
$18.38 +1.32% Close, Oct 2, 2026 · NASDAQ · Market cap $144.5M
Strong trend
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.12, up 49.3% year over year.
- Operating margin widened to 25.2% from 18.0% a year earlier.
- The stock is in an uptrend: above its 200-day average for 307 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 47%
- EPS growth (TTM, YoY)Top 21%
- FCF growth (TTM, YoY)Top 10%
- Revenue growth, 3-year CAGRBottom 31%
- Revenue growth accelerationBottom 48%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 28%
- Gross marginTop 27%
- Operating marginTop 40%
- Cash conversion (OCF / net income)Top 43%
- Accruals (lower is better)Top 50%
- Net debt / EBITDA (lower is better)Top 24%
- Interest coverBottom 48%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 47%
- Free-cash-flow yieldBottom 46%
- EBITDA / enterprise valueTop 43%
- Sales / enterprise valueBottom 44%
- P/E vs own 5-year history (lower is better)Bottom 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 21%
- 6-month returnTop 20%
- 1-year return vs S&P 500Top 11%
- Distance from 52-week highTop 18%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 31%
- Maximum drawdown, 3 yearsTop 46%
- Beta vs S&P 500 (lower is better)Top 21%
- Net debt / EBITDA (lower is better)Top 24%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 6.2% | 5.6% | ↓ |
| EPS growth (YoY) | 68.8% | 49.3% | ↓ |
| Gross margin | 69.2% | 74.1% | ↑ |
| Operating margin | 18.0% | 25.2% | ↑ |
| FCF margin | 10.3% | 26.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.6% | 6.2% | ↓ | Bottom 47% |
| EPS growth (TTM, YoY) | 49.3% | 68.8% | ↓ | Top 21% |
| Gross margin | 74.1% | 69.2% | ↑ | Top 27% |
| Operating margin | 25.2% | 18.0% | ↑ | Top 40% |
| Net margin | 20.7% | 15.1% | ↑ | — |
| Free-cash-flow margin | 26.0% | 10.3% | ↑ | — |
| Return on invested capital | 5.3% | — | Top 28% | |
| Revenue growth, 3-year CAGR | 10.3% | — | Bottom 31% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.27×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -2.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.29×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.83%
- Net buyback yield (TTM)
- -29.88%
- Shareholder yield
- -28.06%
- Share count change, 1 year
- -2.1%
- Share count change, 3-year CAGR
- -1.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 11, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | — | +0.5% | +1.1% | +1.1% | — |
| Apr 22, 2026 | — | -0.1% | -0.4% | -0.7% | +7.6% |
| Jan 21, 2026 | — | +1.0% | +2.2% | +2.2% | +3.4% |
| Oct 22, 2025 | — | +1.0% | +7.4% | +10.9% | +19.2% |
| Jul 23, 2025 | — | -1.7% | -1.2% | +4.7% | +4.8% |
| Apr 29, 2025 | — | -1.1% | +1.6% | +3.8% | +10.8% |
| Jan 24, 2025 | — | +1.2% | +17.1% | +20.3% | +5.4% |
| Oct 23, 2024 | — | +3.6% | -0.7% | -0.1% | +2.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.29 | — | — | $10.1M |
| Apr 22, 2026 | $0.26 | — | — | $9.8M |
| Jan 21, 2026 | $0.26 | — | — | $10.1M |
| Oct 22, 2025 | $0.32 | — | — | $10.4M |
| Jul 23, 2025 | $0.34 | — | — | $9.9M |
| Apr 29, 2025 | $0.14 | — | — | $9.1M |
| Jan 24, 2025 | $0.19 | — | — | $9.7M |
| Oct 23, 2024 | $0.18 | — | — | $9.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 16.4× | 14.8× | 76th | Bottom 47% |
| EV / EBITDA | 13.1× | — | — | Top 43% |
| EV / Sales | 3.50× | — | — | Bottom 44% |
| Free-cash-flow yield | 7.27% | — | — | Bottom 46% |
| Earnings yield | 6.09% | — | — | Bottom 47% |
P/E over the past five years
Range 10.7× – 18.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +41.0%
- Earnings per share growth (TTM)
- +49.3%
- Change in P/E multiple
- -1.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 83
- Days above the 200-day average
- 307
- 50-day average slope (20 days)
- +2.4%
- 200-day average slope (20 days)
- +2.2%
- Distance from 50-day average
- +4.7%
- Distance from 200-day average
- +13.6%
- RSI (14)
- 58.5
- Relative volume
- 0.40×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.3%
- Volatility vs own 5-year history
- 25th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.23
- Correlation with S&P 500
- 0.16
- Current drawdown from 1-year high
- -2.5%
- Maximum drawdown, 3 years
- -27.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 9, 2021 | Oct 31, 2023 | -40.0% | 686 days | 322 days (Feb 13, 2025) |
| Feb 21, 2025 | Jul 15, 2025 | -27.9% | 98 days | 5 days (Jul 22, 2025) |
| Oct 14, 2020 | Nov 2, 2020 | -15.5% | 13 days | 66 days (Feb 8, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $144.5M
- P/E (TTM)
- 16.4
- EPS, diluted (TTM)
- $1.12
- Revenue (TTM)
- $40.5M
- Dividend yield
- 1.96%
- 52-week range
- $12.50 – $19.09
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $27.8M | $29.5M | $36.4M | $38.1M | $39.6M |
| Gross profit | $24.5M | $26.3M | $28.0M | $25.8M | $28.1M |
| Operating income | $7.5M | $6.9M | $6.2M | $5.9M | $8.8M |
| Net income | $6.2M | $5.7M | $4.8M | $4.9M | $7.3M |
| EPS (diluted) | $1.05 | $0.72 | $0.61 | $0.65 | $0.96 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $9.6M | $9.7M | $9.1M | $9.9M | $10.4M | $10.1M | $9.8M | $10.1M |
| Net income | $1.3M | $1.5M | $1.1M | $1.9M | $2.4M | $1.9M | $1.9M | $2.2M |
| EPS (diluted) | $0.17 | $0.19 | $0.14 | $0.25 | $0.31 | $0.26 | $0.26 | $0.29 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $8.6M | $8.2M | $6.2M | $2.5M | $8.0M |
| Capital expenditure | -$627,000 | -$406,000 | -$391,000 | $0 | -$560,000 |
| Free cash flow | $7.9M | $7.8M | $5.8M | $2.5M | $7.4M |
| Dividends paid | -$1.1M | -$1.4M | $0 | -$1.1M | -$1.0M |
| Net share buybacks | -$2.3M | -$85,000 | -$58,000 | -$20,000 | $43.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $56.6M
- Total assets
- $736.7M
- Total liabilities
- $591.9M
- Total debt
- $0
- Net debt
- -$3.1M
- Shareholders’ equity
- $144.8M
As of Jun 30, 2026 (filed Aug 11, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.09 | Aug 12, 2026 |
| May 4, 2026 | $0.09 | May 13, 2026 |
| Feb 2, 2026 | $0.09 | Feb 11, 2026 |
| Nov 3, 2025 | $0.09 | Nov 12, 2025 |
| Aug 4, 2025 | $0.09 | Aug 13, 2025 |
| Feb 10, 2025 | $0.18 | Feb 14, 2025 |
| Nov 4, 2024 | $0.18 | Nov 8, 2024 |
| Aug 12, 2024 | $0.18 | Aug 16, 2024 |
Short interest
- Shares sold short
- 18,267
- Days to cover
- 1.00
- Change vs previous report
- +35.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 21, 2025
- 677-for-500