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About the company
Lake Shore Bancorp, Inc. is the mid-tier holding company of Lake Shore Savings Bank (the Bank). The Bank offers a range of retail and commercial lending and deposit services. The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, primarily in commercial real estate loans, one-to-four-family residential mortgage loans, home equity lines of credit and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its primary sources of funds for lending and investments are deposits, borrowings, receipts of principal and interest payments on loans and securities, proceeds from sales of loans or securities, maturities and calls of investment securities and others. The Bank serves the market areas surrounding its ten branch offices located within the Western New York region of New York State.
- Revenue in USD (TTM)36.28m
- Net income in USD7.27m
- Incorporated1981
- Employees93.00
- LocationLake Shore Bancorp Inc31 EAST FOURTH STREETDUNKIRK 14048United StatesUSA
- Phone+1 (716) 366-4070
- Fax+1 (302) 655-5049
- Websitehttps://www.lakeshoresavings.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sound Financial Bancorp Inc | -100.00bn | -100.00bn | 113.76m | 108.00 | -- | 1.04 | -- | -- | -- | -- | -- | 42.60 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| PSB Holdings Inc | 76.29m | 13.46m | 114.10m | 127.00 | 8.51 | 0.9129 | -- | 2.19 | 3.32 | 3.32 | 12.83 | 32.72 | -- | -- | -- | -- | 0.9529 | 0.8832 | -- | -- | -- | -- | 26.81 | 25.32 | -- | -- | -- | 20.51 | 6.62 | 15.19 | 37.32 | 4.72 | -- | 10.12 |
| Croghan Bancshares Inc | 57.57m | 11.17m | 114.13m | 207.00 | 10.47 | 0.8573 | -- | 2.49 | 5.41 | 5.41 | 22.19 | 66.08 | -- | -- | -- | -- | 0.9336 | 1.18 | -- | -- | -- | -- | 24.37 | 29.02 | -- | -- | -- | 37.28 | 12.10 | 7.22 | -6.64 | -4.29 | -15.09 | 4.56 |
| Union Bankshares Inc | 74.81m | 11.33m | 114.29m | 191.00 | 10.08 | 1.47 | 8.85 | 2.13 | 2.47 | 2.47 | 11.72 | 16.95 | -- | -- | -- | -- | 0.7327 | 0.9296 | -- | -- | -- | -- | 21.12 | 24.32 | -- | -- | -- | 52.79 | 18.99 | 13.63 | -22.17 | -3.83 | -30.10 | -1.59 |
| Hoyne Bancorp Inc | 19.34m | -399.39k | 115.71m | 58.00 | -- | 1.28 | 211.59 | 8.44 | -0.0493 | -0.0493 | 1.69 | 11.13 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -2.91 | -- | -- | -- | -- | -- | 8.95 | -- | -231.28 | -- | -- | -- |
| United Bancshares Inc | 58.82m | 12.00m | 115.96m | 211.00 | 9.71 | 1.02 | -- | 2.44 | 4.04 | 4.04 | 16.00 | 38.47 | -- | -- | -- | -- | 1.01 | 1.59 | -- | -- | -- | -- | 25.26 | 33.68 | -- | -- | -- | 15.68 | 10.40 | 8.00 | 31.02 | -2.70 | -- | 12.77 |
| Citizens Bancshares Corp | 12.51m | 2.04m | 117.33m | 102.00 | 51.39 | 2.49 | 40.75 | 7.13 | 0.9146 | 0.9146 | 7.38 | 24.35 | -- | -- | -- | -- | 0.5781 | 0.3062 | -- | -- | -- | -- | 13.83 | 6.58 | -- | -- | -- | 18.10 | -4.45 | -6.16 | 0.668 | 38.05 | -6.94 | 0.00 |
| FFD Financial Corp | 10.57m | 1.51m | 117.68m | 51.00 | 81.83 | 6.25 | -- | 12.84 | 0.4961 | 0.4961 | 3.00 | 6.50 | -- | -- | -- | -- | 0.6761 | 0.655 | -- | -- | -- | -- | 16.52 | 16.39 | -- | -- | -- | 54.94 | 2.40 | 2.19 | 40.98 | 0.00 | 16.91 | 7.67 |
| Winchester Bancorp Inc | 46.33m | 1.42m | 118.05m | 71.00 | 79.96 | 0.9984 | 118.53 | 5.16 | 0.1588 | 0.1588 | 2.52 | 12.72 | -- | -- | -- | -- | 0.1488 | -- | -- | -- | -- | -- | 6.22 | -- | -- | -- | -- | -- | 22.52 | -- | -211.20 | -- | -- | -- |
| Magyar Bancorp Inc | 56.36m | 10.81m | 118.96m | 91.00 | 10.52 | -- | 14.21 | 3.23 | 1.73 | 1.73 | 5.90 | -- | -- | -- | -- | -- | -- | 0.9121 | -- | -- | -- | -- | 29.33 | 25.13 | -- | -- | -- | -- | 12.63 | 15.23 | 25.40 | 34.83 | 31.32 | -- |
| First Keystone Corp | 75.50m | 9.06m | 120.24m | 206.00 | 13.21 | 1.07 | 11.76 | 2.75 | 1.46 | 1.46 | 7.04 | 17.97 | -- | -- | -- | -- | 0.5999 | 0.5092 | -- | -- | -- | -- | 20.71 | 16.41 | -- | -- | -- | 101.21 | 25.33 | 13.14 | -337.46 | -- | 25.41 | 0.73 |
| Lake Shore Bancorp Inc | 36.28m | 7.27m | 120.90m | 93.00 | 15.98 | -- | 20.86 | 4.34 | 0.9668 | 0.9668 | 3.69 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 26.11 | 22.00 | -- | -- | -- | -- | 4.25 | 8.32 | 47.41 | 9.78 | -- | -10.01 |
| University Bancorp Inc (MICHIGAN) | 4.46m | 1.83m | 124.07m | 81.00 | 62.86 | 11.93 | 36.17 | 3.39 | 0.3818 | 0.3818 | 7.65 | 2.01 | -- | -- | -- | -- | 2.00 | 1.85 | -- | -- | -- | -- | 6.65 | 6.56 | -- | -- | -- | -- | 17.72 | 4.91 | 21.25 | -- | 1.41 | -- |
| First Bancshares Inc (Missouri) | 34.17m | 7.62m | 125.19m | 75.00 | 9.81 | -- | -- | 4.78 | 3.16 | 3.16 | 10.85 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 29.13 | 28.46 | -- | -- | -- | -- | 5.02 | 15.97 | 15.86 | 14.08 | -- | 10.76 |
| Affinity Bancshares Inc | 48.92m | 8.33m | 126.18m | 88.00 | 15.98 | 0.9934 | 18.55 | 3.82 | 1.30 | 1.30 | 5.13 | 20.84 | -- | -- | -- | -- | 0.953 | 0.8405 | -- | -- | -- | -- | 25.20 | 22.10 | -- | -- | -- | -- | 7.22 | 9.81 | 53.13 | 21.96 | -- | -- |
Data as of Feb 13 2026. Currency figures normalised to Lake Shore Bancorp Inc's reporting currency: US Dollar USD
23.27%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Stilwell Value LLCas of 31 Dec 2025 | 773.68k | 9.89% |
| AllianceBernstein LPas of 30 Sep 2025 | 329.37k | 4.21% |
| Oppenheimer + Close LLCas of 31 Dec 2025 | 180.00k | 2.30% |
| Mangrove Partners IM LLCas of 30 Sep 2025 | 147.65k | 1.89% |
| HBK Sorce Advisory LLCas of 31 Dec 2025 | 88.02k | 1.13% |
| Graham Capital Wealth Management LLCas of 31 Dec 2025 | 77.41k | 0.99% |
| Renaissance Technologies LLCas of 31 Dec 2025 | 70.04k | 0.90% |
| Peapod Lane Capital LLCas of 31 Dec 2025 | 68.92k | 0.88% |
| Minerva Advisors LLCas of 31 Dec 2025 | 44.26k | 0.57% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 41.54k | 0.53% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
