Lake Shore Bancorp Inc (LSBK)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 17.20 $ — 89% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
NeutralGeprüft am 10.07.2026 gegen den Geschäftsbericht (10-K) 2025 (eingereicht 17.03.2026) und die drei jüngsten Quartalsberichte (10-Q) der neuen SEC-Entität Lake Shore Bancorp, Inc. (CIK 2059653, entstanden in der Second-Step-Umwandlung vom 18.07.2025). In den ausgewerteten Filings findet sich kein wesentlicher KI-Bezug: keine KI-Produkte oder KI-Umsatzquelle, kein belegter operativer KI-Einsatz und kein konkretes, aufs eigene Geschäftsmodell bezogenes KI-Risiko. Die einzige Erwähnung von „Artificial Intelligence“ ist eine generische Risk-Factor-/Technologie-Floskel im 10-K 2025 („…we may not be able to effectively deploy new technologies such as Artificial Intelligence to improve our operational efficiency“) — eine allgemeine Warnung, mit dem technologischen Wandel nicht Schritt zu halten, kein Geschäftsmodell-Bezug. Nach dem Kriterienkatalog (Verkauft KI > Bedroht > Nutzt KI > Neutral) bleibt es damit bei „neutral“: dokumentierter Negativ-Befund, geprüfte Filings gelistet. Für eine 1891 gegründete Regionalsparkasse ist das erwartbar.
View the full file — quotes, sources, reviewed filings
„We may not be able to effectively implement new technology-driven products and services or be successful in marketing these products and services to our customers and we may not be able to effectively deploy new technologies such as Artificial Intelligence to improve our operational efficiency."
Möglicherweise gelingt es uns nicht, neue technologiegetriebene Produkte und Dienstleistungen wirksam einzuführen oder sie erfolgreich bei unseren Kunden zu vermarkten, und möglicherweise gelingt es uns nicht, neue Technologien wie künstliche Intelligenz wirksam einzusetzen, um unsere betriebliche Effizienz zu verbessern.
Filings Reviewed: 10-Q 2026-05-12 · 10-Q 2025-11-12 · 10-Q 2025-08-12 · 10-K 2026-03-17
Rated on July 10, 2026 · How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Next Reporting Date
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.19 | 96.10 | 10 | 1.30 | 15.20 | 3 | 3 |
| 2025: Q1 | 0.13 | 4.20 | 9 | -2.40 | 11.60 | 1 | 1 |
| 2025: Q2 | 0.24 | 72.00 | 10 | 4.40 | 19.40 | 2 | 1 |
| 2025: Q3 | 0.30 | 77.10 | 10 | 8.00 | 22.60 | 3 | 3 |
| 2025: Q4 | 0.25 | 31.70 | 10 | 5.00 | 19.10 | 2 | 2 |
| 2026: Q1 | 0.24 | 81.90 | 10 | 7.30 | 19.70 | 3 | 3 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
Lake Shore Bancorp, Inc. ist die Bankholding der Lake Shore Bank, die in New York Bankprodukte und -dienstleistungen anbietet.
| Employees | 87 |
|---|---|
| Headquarters | Dunkirk, NY |
| Website | mylsbank.com |
| IPO Date | 4. Apr 2006 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Kim C. Liddell | CEO, President & Director | 1961 |
| Taylor M. Gilden | CFO & Treasurer | 1991 |
| Jeffrey M. Werdein | Executive Vice President of Commercial Division | 1967 |
| Melissa Sprague | Chief Operation Officer | – |
| Tamara Bellanti | Senior Vice President of Human Resources | – |
| Eric Hohenstein | Corporate Secretary | – |
| Benjamin Pietak | Controller | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.