Lake Shore Bancorp Inc. (LSBK) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-01, Lake Shore Bancorp Inc. (NASDAQ: LSBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $19.04 (+0.32% 1D, market cap $149.5M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, LSBK ranks #523 in composite RQD confidence.
Within the Financials sector (Savings Institutions), LSBK carries a Roarable C- (60/100 RQD), trailing P/E of 20.6x, gross margin of —, and ROIC of 5.1%. By comparison, FGBI (First Guaranty Bancshares Inc.) holds a D- grade (39/100 RQD, P/E N/A, ROIC -16.1%, cap $161.6M) and MGYR (Magyar Bancorp Inc.) posts a C grade (63/100 RQD, P/E 13.4x, ROIC 8.0%, cap $130.7M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).
Per LSBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002059653), Lake Shore Bancorp Inc. generated $0 in revenue, $7.3M in net income, and $8.0M in free cash flow against $727.3M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)
SEC XBRL FY 2025 (10-K): 0.2% FCF Margin ($8.0M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
Even with a 60/100 (C-) score, LSBK faces multiple-compression risk if 20.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($18.01) or 200D SMA ($16.52) invalidates the momentum regime and cuts Target Base ($19.21) toward Bear Floor ($14.98).
Lake Shore Bancorp Inc. (LSBK) advanced +0.32% to $19.04, trading at 95% of its 52-week range ($13.83 – $19.34). Solid steady margins (5% return on capital), mixed timing at 21x P/E—hold if owned, no rush to chase.
DUNKIRK, N.Y., Oct. 23, 2026 (GLOBE NEWSWIRE) -- 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
(LSBK) on Wednesday reported earnings of $2.On a per-share basis, the Dunkirk, New York-based company said it had net income of 31 cents.
Lake Shore Bancorp (NASDAQ:LSBK) reported quarterly earnings of $0.31 per share. This is a 3.13 percent decrease over earnings of $0.32 per share from the same period last year. The company reported $7.933 million in
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on LSBK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for LSBK. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Lake Shore Bancorp Inc. (LSBK) ranks #523 by composite RQD confidence (60/100, grade C-) and #929 by equity capitalization ($149.5M). Within this direct 5-issuer industry benchmark cohort, MGYR leads on earnings valuation at 13.4x trailing P/E, while MGYR leads on capital efficiency and profitability with 8.0% ROIC and — gross margin. MGYR currently holds the highest overall quantitative score in the immediate peer group at 63/100 (C) compared with LSBK at 60/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| LSBK
ACTIVE
Lake Shore Bancorp Inc. | C- | 60/100 | 20.6x | — | 5.1% | +0.32% | $149.5M | Benchmark Subject |
| FGBI First Guaranty Bancshares Inc. | D- | 39/100 | — | — | -16.1% | +4.49% | $161.6M | /fgbi-vs-lsbk → |
| MGYR Magyar Bancorp Inc. | C | 63/100 | 13.4x | — | 8.0% | +0.45% | $130.7M | /mgyr-vs-lsbk → |
| RVSB Riverview Bancorp Inc | D | 49/100 | — | — | -2.6% | -1.82% | $119.4M | /rvsb-vs-lsbk → |
| BVFL BV Financial Inc. | C | 62/100 | 14.0x | — | 7.3% | +1.00% | $189.1M | /bvfl-vs-lsbk → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Lake Shore Bancorp Inc. (LSBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $7.3M, operating cash flow of $8.0M, and free cash flow of $8.0M (+218.9% YoY). On the balance sheet, LSBK closed FY2025 with $727.3M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $7.3M | $8.0M | $8.0M | $727.3M | — |
| FY2024 (FY) | 2024-12-31 | $0 | $4.9M | $2.5M | $2.5M | $685.5M | — |
| FY2023 (FY) | 2023-12-31 | $0 | $4.8M | — | — | — | — |
As of 2026-11-01, Lake Shore Bancorp Inc. (NASDAQ: LSBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $19.04 (+0.32% 1D, market cap $149.5M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, LSBK ranks #523 in composite RQD confidence.
Within the Financials sector (Savings Institutions), LSBK carries a Roarable C- (60/100 RQD), trailing P/E of 20.6x, gross margin of —, and ROIC of 5.1%. By comparison, FGBI (First Guaranty Bancshares Inc.) holds a D- grade (39/100 RQD, P/E N/A, ROIC -16.1%, cap $161.6M) and MGYR (Magyar Bancorp Inc.) posts a C grade (63/100 RQD, P/E 13.4x, ROIC 8.0%, cap $130.7M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).
Per LSBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002059653), Lake Shore Bancorp Inc. generated $0 in revenue, $7.3M in net income, and $8.0M in free cash flow against $727.3M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
LSBK last traded at $19.04 (+0.32% on volume of 17,531 shares), positioning the stock +5.72% above its 50-day simple moving average ($18.01) and +15.25% above its 200-day simple moving average ($16.52). Across its 52-week range of $13.83 to $19.34, LSBK sits at the 94.6% percentile with a 14-day RSI of 57.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($18.03 to $20.05).
Why LSBK Stock advanced +0.32% Today — RQD Quant Desk Flash. Solid steady margins (5% return on capital), mixed timing at 21x P/E—hold if owned, no rush to chase.
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