Security
Lake Shore Bancorp, Inc. Common Stock · LSBK
LSBKNASDAQCommon stockCurrentCIK 2059653Updated Oct 26, 2026
LSBK price & chart
Loading TradingView…
NASDAQ:LSBK on TradingView ↗About the company
Lake Shore Bancorp is the holding company of Lake Shore Bank, a New York chartered, community-oriented financial institution headquartered in Dunkirk, New York. The Bank has ten full-service branch locations in Western New York, including four in Chautauqua County and six in Erie County. The Bank offers a broad range of retail and commercial lending and deposit services. Lake Shore Bancorp’s common stock is traded on the NASDAQ Global Market as “LSBK”. Additional information about Lake Shore Bancorp is available at www.mylsbank.com.
In the news
Lake Shore Bancorp, Inc. Announces Second Quarter 2026 Financial Results ↗
Seeking Alpha
Russell 2000 estimated to add 107 stocks in December rebalance - Stephens ↗
Lake Shore Bancorp declares $0.09 dividend ↗
Lake Shore Bancorp GAAP EPS of $0.31, revenue of $7.93M ↗
SEC disclosures
Lake Shore Bancorp, Inc. /MD/ files 8-K: Material Event ↗
Recent filings
Other Events
Items 8.01, 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
10-Q filing
Other Events
Items 8.01, 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
Show 5 more recent filings
Submission of Matters to a Vote of Security Holders
Items 5.07, 9.01
Regulation FD Disclosure
Items 7.01, 9.01
10-Q filing
4 filing
4 filing
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 |
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| AssetsUSD | 742,802,000Source | — | 736,652,000Source | 734,838,000Source | — | 722,011,000Source | — | 727,323,000Source | 685,504,000Source |
| Property, Plant and Equipment, NetUSD | 7,217,000Source | — | 6,856,000Source | 7,325,000Source | — | 6,915,000Source | — | 7,050,000Source | 7,218,000Source |
| Current assets: | |||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 83,638,000Source | — | 72,237,000Source | 75,367,000Source | — | 61,607,000Source | — | 64,280,000Source | 33,131,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | 759,000Source | 938,000Source |
| LIABILITIES AND EQUITY | |||||||||
| LiabilitiesUSD | 603,496,000Source | — | 591,891,000Source | 641,954,000Source | — | 579,633,000Source | — | 585,684,000Source | 595,636,000Source |
| Stockholders’ equity: | |||||||||
| Preferred Stock, Value, IssuedUSD | — | — | 0Source | — | — | 0Source | — | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 78,000Source | — | 79,000Source | 68,000Source | — | 79,000Source | — | 78,000Source | 68,000Source |
| Retained Earnings (Accumulated Deficit)USD | 87,121,000Source | — | 91,169,000Source | 85,420,000Source | — | 89,659,000Source | — | 88,398,000Source | 82,805,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -8,592,000Source | — | -7,715,000Source | -9,738,000Source | — | -8,392,000Source | — | -7,703,000Source | -9,964,000Source |
| Stockholders' Equity Attributable to ParentUSD | 139,306,000Source | 89,877,000Source | 144,761,000Source | 92,884,000Source | 86,932,000Source | 142,378,000Source | 90,662,000Source | 141,639,000Source | 89,868,000Source |
| Additional Paid in Capital, Common StockUSD | 65,878,000Source | — | 65,841,000Source | 31,568,000Source | — | 65,694,000Source | — | 65,577,000Source | 31,201,000Source |
| Liabilities and EquityUSD | 742,802,000Source | — | 736,652,000Source | 734,838,000Source | — | 722,011,000Source | — | 727,323,000Source | 685,504,000Source |
| Additional Financial Items | |||||||||
| Long-term DebtUSD | 2,000,000Source | — | — | 2,000,000Source | — | — | — | 0Source | 10,250,000Source |
| Deferred Compensation Equity | —Source | — | — | —Source | — | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | -54,000Source | -92,000Source | -101,000Source | 128,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 2,790,000Source | 718,000Source | 7,998,000Source | 2,508,000Source |
| Cash flows from investing activities: | ||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | 2,605,000Source | -5,601,000Source | -8,128,000Source | 21,116,000Source |
| Cash flows from financing activities: | ||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 32,000Source | 35,000Source | 53,000Source | 20,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -8,068,000Source | 2,180,000Source | 31,279,000Source | -44,223,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 662,000Source | 361,000Source | 1,676,000Source | 1,082,000Source |
| Repayments of Long-term DebtUSD | — | — | — | — | — | — | — | 6,250,000Source | 10,250,000Source | 25,000,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 83,638,000Source | 73,672,000Source | 72,237,000Source | 75,367,000Source | 61,607,000Source | 30,428,000Source | 64,280,000Source | 33,131,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 2,401,000Source | 2,918,000Source | 11,760,000Source | 14,471,000Source |
| Additional Financial Items | ||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 469,000Source | 287,000Source | 249,000Source | 221,000Source | 242,000Source | 216,000Source | 1,148,000Source | 1,074,000Source |
| Depreciation, NonproductionUSD | — | — | — | — | — | — | 143,000Source | 156,000Source | 612,000Source | 739,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | — | — | — | 65,000Source | — | 46,000Source | 150,000Source | 54,000Source |
| Gain (Loss) on Sale of PropertiesUSD | — | — | — | — | — | — | — | — | — | -19,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | — | — | -2,000Source | 14,000Source |
| Income Tax Expense (Benefit)USD | — | — | 487,000Source | 258,000Source | 477,000Source | 378,000Source | 430,000Source | 206,000Source | 1,483,000Source | 935,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 2,359,000Source | 1,332,000Source | 2,173,000Source | 1,919,000Source | 1,923,000Source | 1,057,000Source | 7,269,000Source | 4,931,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | 49,500,000Source | — | — | 43,239,000Source | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 1,071,000Source | 739,000Source | 3,073,000Source | 3,203,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | — | — | — | — | -113,000Source | 48,000Source | -180,000Source | -1,479,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | -288,000Source | -411,000Source | -51,000Source | — | -77,000Source | 39,000Source | -227,000Source | -1,308,000Source |
| Realized Investment Gains (Losses)USD | — | — | — | — | — | — | — | — | 10,000Source | — |
| Stock or Unit Option Plan ExpenseUSD | — | — | — | — | — | — | 121,000Source | 89,000Source | 295,000Source | 246,000Source |
| Payments to Acquire Property, Plant, and Equipment | — | — | — | — | — | — | —Source | —Source | — | — |
| Equity Securities, FV-NI, Unrealized Gain (Loss) | — | — | —Source | —Source | — | — | — | —Source | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 2,846,000Source | 1,590,000Source | 2,650,000Source | 2,297,000Source | 2,353,000Source | 1,263,000Source | 8,752,000Source | 5,866,000Source |
| Income Tax Expense (Benefit)USD | — | — | 487,000Source | 258,000Source | 477,000Source | 378,000Source | 430,000Source | 206,000Source | 1,483,000Source | 935,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 2,359,000Source | 1,332,000Source | 2,173,000Source | 1,919,000Source | 1,923,000Source | 1,057,000Source | 7,269,000Source | 4,931,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.32Source | 0.18Source | 0.29Source | 0.25Source | 0.26Source | 0.14Source | 0.97Source | 0.65Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.32Source | 0.18Source | 0.29Source | 0.25Source | 0.26Source | 0.14Source | 0.97Source | 0.65Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 7,386,783Source | 7,640,059Source | 7,377,633Source | 7,678,457Source | 7,349,045Source | 7,650,171Source | 7,510,235Source | 7,617,009Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 7,395,351Source | 7,640,059Source | 7,394,317Source | 7,682,245Source | 7,365,208Source | 7,655,927Source | 7,519,415Source | 7,617,009Source |
| Additional Financial Items | ||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 469,000Source | 287,000Source | 249,000Source | 221,000Source | 242,000Source | 216,000Source | 1,148,000Source | 1,074,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.09Source | 0.13Source | 0.09Source | 0Source | 0.09Source | 0.13Source | 0.31Source | 0.4Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 1,584,000Source | 807,000Source |
| InterestExpenseOperatingUSD | — | — | 2,996,000Source | 3,468,000Source | 2,495,000Source | 2,985,000Source | 2,395,000Source | 2,902,000Source | 11,718,000Source | 13,741,000Source |
| Interest Income (Expense), NetUSD | — | — | 6,355,000Source | 5,383,000Source | 6,893,000Source | 6,122,000Source | 6,660,000Source | 5,465,000Source | 24,565,000Source | 21,063,000Source |
| Labor and Related ExpenseUSD | — | — | 2,855,000Source | 2,742,000Source | 3,090,000Source | 2,854,000Source | 3,306,000Source | 2,915,000Source | 11,609,000Source | 11,452,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 18,000Source | 11,000Source | 4,000Source | 15,000Source | 8,000Source | 11,000Source | 58,000Source | 94,000Source |
| Realized Investment Gains (Losses)USD | — | — | — | — | — | — | — | — | 10,000Source | — |
Filing attachments
lsbk-ex99_1.htm · 8-K · 2026-10-23
Lake Shore Bancorp, Inc. Declares Dividend DUNKIRK, N.Y. - October 23, 2026 - Lake Shore Bancorp, Inc. (“Lake Shore Bancorp”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on October 21, 2026. The dividend is expected to be paid on November 11, 2026 to shareholders of record as of November 2, 2026. About Lake Shore Lake Shore Bancorp is the holding co…
Read attachment ↗lsbk-ex99_1.htm · 8-K · 2026-10-21
Lake Shore Bancorp, Inc. Announces Third Quarter 2026 Financial Results DUNKIRK, N.Y. - October 21, 2026 - Lake Shore Bancorp, Inc. (the “Company”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), reported unaudited net income of $2.3 million, or $0.31 per diluted share, for the third quarter of 2026 compared to net income of $2.4 million, or $0.32 per diluted share, for the third quarter of 2025. For the first nine months of 2026, unaudited net income was $6.4 million, or…
Read attachment ↗lsbk-ex99_1.htm · 8-K · 2026-07-24
EX-99.1 2 lsbk-ex99_1.htm EX-99.1 EX-99.1 Lake Shore Bancorp, Inc. Declares Dividend DUNKIRK, N.Y. - July 24, 2026 - Lake Shore Bancorp, Inc. (“Lake Shore Bancorp”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on July 22, 2026. The dividend is expected to be paid on August 12, 2026 to shareholders of record as of August 3, 2026. About Lake Shore …
Read attachment ↗lsbk-ex99_1.htm · 8-K · 2026-07-22
EX-99.1 2 lsbk-ex99_1.htm EX-99.1 EX-99.1 Lake Shore Bancorp, Inc. Announces Second Quarter 2026 Financial Results DUNKIRK, N.Y. - July 22, 2026 - Lake Shore Bancorp, Inc. (the “Company”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), reported unaudited net income of $2.2 million, or $0.29 per diluted share, for the second quarter of 2026 compared to net income of $1.9 million, or $0.25 per diluted share, for the second quarter of 2025. For the first six months of 2…
Read attachment ↗lsbk-ex99_1.htm · 8-K · 2026-05-20
EX-99.1 2 lsbk-ex99_1.htm EX-99.1 LAKE SHORE BANCORP, INC. Annual Shareholders’ Meeting - May 2026 Putting People First Since 1891. Safe Harbor Statement This presentation contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, that are based on current expectations, estimates and projections about the Company’s and the Bank’s industry, and management’s beliefs and assumptions. Words such as anticipates, expects, intends, plan…
Read attachment ↗lsbk-ex99_1.htm · 8-K · 2026-04-24
EX-99.1 2 lsbk-ex99_1.htm EX-99.1 EX-99.1 Lake Shore Bancorp, Inc. Declares Dividend DUNKIRK, N.Y. - April 24, 2026 - Lake Shore Bancorp, Inc. (“Lake Shore Bancorp”) (NASDAQ: LSBK), the holding company for Lake Shore Bank (the “Bank”), announced today that the Board of Directors declared a cash dividend of $0.09 per share on its outstanding common stock on April 22, 2026. The dividend is expected to be paid on May 13, 2026 to shareholders of record as of May 4, 2026. About Lake Shore Lak…
Read attachment ↗