Stock Ratings / Financials / LSBK / options

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Lake Shore Bancorp Inc. (LSBK) Options Positioning, Max Pain & Unusual Sweeps

$19.04 +0.32% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.01

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.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $149.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $19.02 (-0.13%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 0.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LSBK)Realized 20D OHLCV Swing Band: ±5.3%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY LSBK SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 0.2% FCF Margin ($8.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$18.25-0.1% Next Q

Q2 (-2Q)

Grade C$18.23+2.1% Next Q

Q3 (-1Q)

Grade C$18.61+2.3% Next Q

Current

Grade C-$19.04+0.4% Hist 90D α

Trajectory: C- (52) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LSBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

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).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LSBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LSBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 60%NO 40%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±5.3%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (LSBK)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for LSBK.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating LSBK & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on LSBK
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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LSBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.60%▲ ASCENDING CHANNEL

2026-10-30O $19.34H $19.34L $18.47C $19.04VOL 15.7K

RES: $19.83SUP: $17.12SMA50: $18.01SMA200: $16.52

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LSBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LSBK Butterfly Map → + Track LSBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

14.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LSBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LSBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LSBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LSBK)

Financials Rank #523 of 1096 ⚔️ FGBI vs LSBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (LSBK vs. FGBI, MGYR, RVSB, BVFL)

Industry: Savings Institutions (33 Tracked Issuers)

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 →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002059653

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	—	—	—	—

3. LSBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LSBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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.

How does LSBK compare to FGBI and MGYR in the Financials sector?

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).

What are the biggest fundamental strengths and SEC risk factors for LSBK?

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.

Where is LSBK trading relative to its 50-day, 200-day, and 52-week technical levels?

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).