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Lake Shore Bancorp Inc (LSBK)
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Upturn Advisory Summary
11/05/2025: LSBK (3-star) is a STRONG-BUY. BUY since 6 days. Simulated Profits (4.85%). 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 60.37% | Avg. Invested days 75 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
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. was founded in 1891 and operates as the holding company for Lake Shore Savings Bank. It provides various financial services in Western New York.
Core Business Areas
- Retail Banking: Offers deposit accounts, personal loans, and mortgages to individuals and families.
- Commercial Banking: Provides business loans, commercial real estate financing, and treasury management services to small and medium-sized businesses.
- Wealth Management: Offers trust and investment services to individuals and businesses.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure follows a traditional banking hierarchy with distinct departments for retail, commercial lending, and wealth management.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgage loans represent a significant portion of the bank's loan portfolio. Market share data is difficult to precisely obtain due to the fragmented nature of the mortgage market. Competitors include national banks, regional banks, and mortgage companies.
- Commercial Loans: Loans to small and medium-sized businesses in Western New York. Market share information is not readily available. Competitors include other regional banks and credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data depends on the specific region. Competitors include national banks, regional banks, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increasing competition from non-traditional financial institutions.
Positioning
Lake Shore Bancorp Inc positions itself as a community bank focused on providing personalized service and local expertise in Western New York. Its competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM includes the total banking market in Western New York, which is estimated to be several billion dollars. Lake Shore Bancorp Inc's positioning is focused on capturing a significant share of the local community banking segment.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller asset base compared to larger banks
- Dependence on local economy
- Lower technology spending relative to larger banks
Opportunities
- Expansion into new markets within Western New York
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks or credit unions
- Growth in wealth management services
Threats
- Increased competition from larger banks and online lenders
- Economic downturn in Western New York
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Manufacturers and Traders Trust (MTB)
- KeyCorp (KEY)
- Community Bank System (CBU)
Competitive Landscape
Lake Shore Bancorp Inc faces intense competition from larger regional and national banks. Its advantages lie in its local focus and strong customer relationships, while its disadvantages include limited resources and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be analyzed using financial data from past years.
Future Projections: Future projections require access to analyst estimates and company guidance.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product launches.
Summary
Lake Shore Bancorp is a small community bank with a strong local presence in Western NY. Its conservative lending and customer relationships are strengths. However, its size and geographic concentration make it vulnerable to larger competitors and economic downturns. The bank needs to invest in technology to remain competitive.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- FDIC Data
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on available estimates and may not be precise.
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.
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