Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Lake Shore Bancorp Inc (LSBK)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/29/2025: LSBK (3-star) is a STRONG-BUY. BUY since 62 days. Profits (16.87%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 57.56% | Avg. Invested days 93 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 90.99M USD | Price to earnings Ratio 17.56 | 1Y Target Price - |
Price to earnings Ratio 17.56 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.26 | 52 Weeks Range 11.35 - 16.95 | Updated Date 06/29/2025 |
52 Weeks Range 11.35 - 16.95 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.56% | Basic EPS (TTM) 0.9 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.28% | Operating Margin (TTM) 21.74% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 5.61% |
Valuation
Trailing PE 17.56 | Forward PE - | Enterprise Value 63187832 | Price to Sales(TTM) 3.53 |
Enterprise Value 63187832 | Price to Sales(TTM) 3.53 | ||
Enterprise Value to Revenue 3.84 | Enterprise Value to EBITDA - | Shares Outstanding 5759170 | Shares Floating 1826632 |
Shares Outstanding 5759170 | Shares Floating 1826632 | ||
Percent Insiders 66.79 | Percent Institutions 8.54 |
Upturn AI SWOT
Lake Shore Bancorp Inc
Company Overview
History and Background
Lake Shore Bancorp, Inc. operates as the holding company for Lake Shore Savings Bank, a community-oriented financial institution. Founded in 1891, Lake Shore Savings Bank has a long history of serving the financial needs of individuals and businesses in Western New York. The bank converted to a stock holding company structure, creating Lake Shore Bancorp, Inc.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, along with personal loans, mortgages, and credit cards.
- Commercial Banking: Provides commercial loans, business checking accounts, and other financial services to small and medium-sized businesses.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team includes the President/CEO, CFO, and other senior executives. The organizational structure is typical of a community bank, with various departments overseeing retail banking, commercial lending, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages for home purchases and refinances. Market share information is difficult to ascertain precisely due to the fragmented nature of the mortgage market, but Lake Shore Savings Bank competes with larger national banks, regional banks, and mortgage brokers. Competitors include M&T Bank (MTB) and KeyCorp (KEY).
- Commercial Loans: Provides financing for commercial real estate, equipment, and working capital needs of local businesses. Market share data is not publicly available, but the bank competes with other regional banks and credit unions. Competitors include Five Star Bank and Evans Bank.
- Deposit Accounts: Checking, Savings, Money Market, and CD accounts are offered to individuals and businesses. Market share is fragmented among national, regional, and local banks. Competitors include Bank of America (BAC) and Chase (JPM).
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and technological disruption. Community banks are striving to maintain relationships with customers while competing with larger financial institutions and fintech companies.
Positioning
Lake Shore Bancorp Inc is positioned as a community-focused bank providing personalized service and local expertise. Its competitive advantages include its long history, strong customer relationships, and knowledge of the local market.
Total Addressable Market (TAM)
The TAM includes all banking services within the bank's geographic footprint (Western New York). Precise TAM is difficult to determine, but Lake Shore Bancorp Inc is positioned to capture a portion of the market through its community focus.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Long-standing customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking services
- Lower marketing budget
Opportunities
- Expansion into new markets within Western New York
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates and economic uncertainty
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- KEY
- CUBI
- FVSB
- EVBN
Competitive Landscape
Lake Shore Bancorp faces significant competition from larger regional and national banks with greater resources. Its advantage lies in its local focus and customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data must be pulled from SEC filings. Provide placeholders instead.
Future Projections: Future projections data must be pulled from SEC filings. Provide placeholders instead.
Recent Initiatives: Recent initiatives must be researched and pulled from press releases and SEC filings. Provide placeholders instead.
Summary
Lake Shore Bancorp is a small community bank with a strong local presence. It faces challenges from larger competitors and the changing banking landscape. A focus on customer service and digital innovation is crucial for future success. Further profitability analysis needs to be pulled from SEC filings to draw firm conclusions
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share percentages are estimates.
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.
About Lake Shore Bancorp Inc
Exchange NASDAQ | Headquaters 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 93 | Website https://lakeshoresavings.com |
Full time employees 93 | Website https://lakeshoresavings.com | ||
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings 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 installment 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. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.