profit from every $100 of sales.
$0$100
Lake Shore Bancorp
$18.96-0.16% today
+32.4% in 1 year
1-year low $13.961-year high $19.04
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $20.13 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Lake Shore Bancorp sold, what it kept, and what it did with the cash.
Sales went from $27.0 million in 2022 to $27.8 million in 2025, with $7.27 million of profit last year.
SalesProfit
Lake Shore Bancorp handed back 23% of the cash it generated last year.
$2M
Free cash flow 2025$7M
Bought back its own shares$53,000
Paid as dividends$2M
Lake Shore Bancorp vs. similar companies
Lake Shore Bancorp grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Lake Shore Bancorp | 20.1× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Lake Shore Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 27 | 27 | 24 | 28 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 6 | 5 | 5 | 7 | |
| 0.97 | 0.82 | 0.88 | 0.97 | |
| – | – | – | – | |
| – | – | – | – | |
| 21.1% | 17.9% | 20.2% | 26.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 700 | 725 | 686 | 727 |
| Cash | 10 | 54 | 33 | 64 |
| Total debt | 38 | 35 | 10 | – |
| Total liabilities | 619 | 639 | 596 | 586 |
| 81 | 86 | 90 | 142 | |
| 6 | 6 | 6 | 7 | |
| – | – | – | – | |
| 7.0% | 5.6% | 5.5% | 5.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 8 | 6 | 3 | 8 | |
| 0 | 0 | – | 1 | |
| 8 | 6 | 3 | 7 | |
| Dividends paid | 1 | 0 | 1 | 2 |
| 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 20.1×
- –
- –
- 0.8×
- 5.3×
- 5.0%
- 2.3%
Profitability
- 26.1%
- 1.1%
- 4.9%
- 7.0%
- 1.1%
Growth
- +1.0%
- +0.0%
- −2.9%
- −1.7%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 27%of 688
Top 41%of 540
Bottom 27%of 900
Bottom 25%of 908
Top 50%of 941
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.26 | – | – |
| Jan 21, 2026 | 0.26 | – | – |
| Oct 22, 2025 | 0.32 | – | – |
| Jul 23, 2025 | 0.34 | – | – |
| Apr 29, 2025 | 0.14 | – | – |
| Mar 14, 2025 | 0.19 | – | – |
| Oct 23, 2024 | 0.18 | – | – |
| Jul 24, 2024 | 0.14 | – | – |
2.3%of the share price, paid each year
On $1,000 invested$23a year at today's yield, before tax
−2.9%2020 to 2025
Raised–not every year
Paid per share, each year
$0.28 in 2015 → $0.31 in 2025
How safe it looks
23.1% of its profit
Room to growStretchedMore than it earns: 22.5%
News
Lake Shore Bancorp GAAP EPS of $0.31, revenue of $7.93MSeeking Alpha · Oct 21, 2026The Beach Boys’ Mike Love goes the extra mile to protect the land around $43 million Lake Tahoe estateMarketWatch · Oct 19, 2026CEO who posted 'Lake America' sweatshirt photos is no longer with the companyCNBC · Sep 25, 2026Travis Kelce bought a $5.35 million estate on Lake Erie months before marrying Taylor SwiftMarketWatch · Sep 7, 2026Lake America? Trump’s Lake Ontario name change creates map mayhem for Apple and Google.MarketWatch · Sep 1, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
57No pass
Benjamin Graham
81Pass
Philip Fisher
61Pass
Peter Lynch
32No pass
Joel Greenblatt
11No pass
Charlie Munger
62Pass
Terry Smith
56No pass
Questions about Lake Shore Bancorp
Is Lake Shore Bancorp a good stock to buy?
A strong, very profitable business at a fair price. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Lake Shore Bancorp AI analysis
What does Lake Shore Bancorp do?
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It is in Banks - Regional.
Does Lake Shore Bancorp pay a dividend?
Yes. At today's price the dividend is 2.3% a year, about 23% of its yearly profit. In 2025 it paid out $1.68 million in dividends.
Is Lake Shore Bancorp stock halal?
No. Lake Shore Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Lake Shore Bancorp stock done over the past year?
Up 32.4% over the past twelve months, to $18.96. It traded between $13.96 and $19.04, close to its high.
Who are Lake Shore Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Lake Shore Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.