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Upturn AI Summary - About
Lake Shore Bancorp Inc(LSBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LSBK
09/25/2026: LSBK (3-star) is a STRONG-BUY. BUY for 112 days. Simulated Profits (13.65%). Updated daily EoD!
Lake Shore Bancorp, Inc. was a community-focused bank holding company that served customers in Western New York through its regional branch network. Known for a conservative lending culture and stable deposit base, the firm provided consistent, albeit modest, value to shareholders. Its primary investment story centered on its role as a steady regional financial player, culminating in its strategic acquisition by a larger institution, which unlocked significant shareholder value. Investors in such entities typically focus on dividend stability and M&A potential. Today, those monitoring the regional banking sector should watch for further industry consolidation and the impact of evolving digital competition on smaller players.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company historically operated as a mature, low-growth community bank. |
| Momentum investor | Weak fit | The stock historically exhibited low volatility and limited price momentum. |
| Value investor | Strong fit | The bank was often valued based on its book value and dividend yield, fitting value-oriented portfolios. |
| Dividend investor | Strong fit | Consistent dividend payouts made it a historical choice for income-focused investors. |
| Low-risk investor | Strong fit | Conservative banking practices generally appealed to investors seeking lower risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock typically traded with lower volatility compared to larger, more speculative financial stocks. |
| Valuation risk | Medium | Valuations were subject to general interest rate cycles affecting the banking sector. |
| Competition risk (Regional Banking) | High | Constant pressure from larger banks with more advanced digital tools threatened local market share. |
| Business quality | Medium | The business relied on a stable but geographically concentrated customer base. |
| Dividend income | Medium | Dividends were dependent on the earnings stability of the bank. |
| Execution risk | Low | The business model was mature and predictable with limited operational surprises. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 44.85% | Avg. Invested days 78 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 138.54M USD | Price to earnings Ratio 15.75 | 1Y Target Price - |
Price to earnings Ratio 15.75 | 1Y Target Price - | ||
Volume (30-day avg) 26.7K shares | Beta 0.29 | 52 Weeks Range 12.21 - 19.09 | Updated Date 09/25/2026 |
52 Weeks Range 12.21 - 19.09 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 2.00% | Basic EPS (TTM) 1.12 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on mortgage and business loans minus interest paid on customer deposits. | The bank makes money on the 'spread'—the difference between what it earns from lending and what it pays to depositors. |
| Non-Interest Income | Service charges on deposit accounts, loan fees, and other banking services. | These represent smaller, consistent fee-based revenues that supplement core lending income. |
Valuation
Trailing PE 15.75 | Forward PE 14.37 | Enterprise Value 57.59M | Price to Sales(TTM) 4.63 |
Enterprise Value 57.59M | Price to Sales(TTM) 4.63 | ||
Enterprise Value to Revenue 4.76 | Enterprise Value to EBITDA - | Shares Outstanding 7.85M | Shares Floating 5.34M |
Shares Outstanding 7.85M | Shares Floating 5.34M | ||
Percent Insiders 15.87 | Percent Institutions 29.26 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Lake Shore Bancorp Inc
Exchange NASDAQ | Headquarters Dunkirk, NY, United States | ||
IPO Launch date 2006-04-04 | CEO, President & Director Mr. Kim C. Liddell | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 87 | Website https://mylsbank.com |
Full time employees 87 | Website https://mylsbank.com | ||
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, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement 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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