Lake Shore Bancorp, Inc. (LSBK)
Nasdaq · Savings Institution, Federally Chartered · Finance, insurance and real estate · CIK 2059653 · fiscal year ends in Dec
Closing price $18.68 on 30 Oct 2026; 52-week range $13.82 to $18.96.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $29.7M
- Net income, last twelve months
- $8.4M
- Earnings per share
- $1.13
- Net margin
- 28.2%
- Return on equity
- 5.8%
- Market value
- $146.9M
- Price to earnings
- 16.5x
- Dividend yield
- 1.4%
- Cash
- $72.2M
- Debt
- $0
- Debt to equity
- 0.00
- Shares outstanding
- 7.9M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $27.8M | – | $7.3M | $0.97 | $7.4M | 10-K filed 17 Mar 2026 |
| FY2024 | 31 Dec 2024 | $24.4M | – | $4.9M | $0.65 | – | 10-K filed 17 Mar 2026 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $7.6M | $2.2M | $0.29 |
| Q1 FY2026 | 31 Mar 2026 | $7.4M | $1.9M | $0.26 |
| Q4 FY2025 | 31 Dec 2025 | $7.3M | $1.9M | $0.26 |
| Q3 FY2025 | 30 Sep 2025 | $7.4M | $2.4M | $0.32 |
| Q2 FY2025 | 30 Jun 2025 | $6.9M | $1.9M | $0.34 |
| Q1 FY2025 | 31 Mar 2025 | $6.2M | $1.1M | $0.14 |
| Q3 FY2024 | 30 Sep 2024 | $6.2M | $1.3M | $0.18 |
| Q2 FY2024 | 30 Jun 2024 | $5.9M | $1.1M | $0.19 |
Company events
The newest 8-K filings of 22 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 23 Oct 2026 | 8-K | Other events | 8.01, 9.01 |
| 21 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 24 Jul 2026 | 8-K | Other events | 8.01, 9.01 |
| 22 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 20 May 2026 | 8-K | Shareholder vote | 5.07, 9.01 |
| 20 May 2026 | 8-K | Investor update | 7.01, 9.01 |
| 24 Apr 2026 | 8-K | Other events | 8.01, 9.01 |
| 22 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 18 Mar 2026 | 8-K | Leadership change, Material agreement, Bylaws or fiscal year change, Other events | 1.01, 5.02, 5.03, 8.01, 9.01 |
| 23 Jan 2026 | 8-K | Other events | 8.01, 9.01 |
| 21 Jan 2026 | 8-K | Results | 2.02, 9.01 |
| 24 Oct 2025 | 8-K | Other events | 8.01, 9.01 |
Every filing
The newest filings with the SEC of 40 held.
| Filed | Form | Period |
|---|---|---|
| 23 Oct 2026 | 8-K | 21 Oct 2026 |
| 21 Oct 2026 | 8-K | 21 Oct 2026 |
| 11 Aug 2026 | 10-Q | 30 Jun 2026 |
| 24 Jul 2026 | 8-K | 22 Jul 2026 |
| 22 Jul 2026 | 8-K | 22 Jul 2026 |
| 20 May 2026 | 8-K | 20 May 2026 |
| 20 May 2026 | 8-K | 20 May 2026 |
| 12 May 2026 | 10-Q | 31 Mar 2026 |
| 24 Apr 2026 | 8-K | 22 Apr 2026 |
| 22 Apr 2026 | 8-K | 22 Apr 2026 |
| 7 Apr 2026 | DEF 14A | 7 Apr 2026 |
| 7 Apr 2026 | ARS | 31 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 18 May 2026 | AllianceBernstein L.P. | 13G | 5.7% | 449.0K |
| 18 Mar 2026 | Stilwell Activist Fund, L.P. | 13D amended | 9.9% | 773.7K |
| 18 Feb 2026 | Stilwell Activist Fund, L.P. | 13D amended | 9.9% | 773.7K |
| 14 Nov 2025 | Employee Stock Ownership Plan Trust of Lake Shore Bancorp, Inc. | 13G | 7.8% | 607.5K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 23.8K | -14.79% | 1.32 |
| 30 Sep 2026 | 27.9K | +52.63% | 1 |
| 15 Sep 2026 | 18.3K | +35.33% | 1 |
| 31 Aug 2026 | 13.5K | -3.96% | 1.3 |
| 14 Aug 2026 | 14.1K | -6.84% | 1.5 |
| 31 Jul 2026 | 15.1K | -17.84% | 1.56 |
| 15 Jul 2026 | 18.4K | +14.72% | 2.91 |
| 30 Jun 2026 | 16.0K | -0.94% | 1.58 |
Funds that hold it
From each fund's latest Form 13F.
33 funds held it at 30 Jun 2026: 16 added and 3 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Stilwell Value LLC | 773,675 | $13.8M | 0 |
| AllianceBernstein L.P. | 505,971 | $7.7M | +57,012 |
| Oppenheimer & Close, LLC | 180,000 | $3.2M | 0 |
| Mangrove Partners Im, LLC | 150,585 | $2.7M | 0 |
| HBK Sorce Advisory LLC | 85,173 | $1.5M | -2,905 |
| Graham Capital Wealth Management, LLC | 74,543 | $1.3M | -647 |
| Peapod Lane Capital LLC | 70,039 | $1.2M | +1,096 |
| Renaissance Technologies LLC | 65,641 | $1.2M | -3,400 |
| Dimensional Fund Advisors LP | 47,933 | $853.1K | +2,224 |
| Minerva Advisors LLC | 44,259 | $788.3K | 0 |
Peers
Companies in the same industry.
- HSBC Holdings plc (HSBC): revenue $68.3B, market value $293.3B
- Axos Financial, Inc. (AX): revenue $1.6B, market value $5.1B
- Eastern Bankshares, Inc. (EBC): revenue $1.1B, market value $5.1B
- TFS Financial Corp. (TFSL): revenue $343.7M, market value $4.6B
- BankUnited, Inc. (BKU): revenue $1.1B, market value $3.1B
- Provident Financial Services Inc. (PFS): revenue $907.3M, market value $3.0B
- Capitol Federal Financial, Inc. (CFFN): revenue $229.2M, market value $1.1B
- HomeTrust Bancshares, Inc. (HTB): revenue $216.6M, market value $774.2M
- Kearny Financial Corp. (KRNY): revenue $178.1M, market value $589.6M
- Ponce Financial Group, Inc. (PDLB): revenue $120.0M, market value $543.9M