Lake Shore Bancorp, Inc.

How big is Lake Shore Bancorp, Inc.?

As of Jun 18, Lake Shore Bancorp, Inc. has a market capitalization of 108.34 million and total assets of 685.50 million, with shareholder's funds at 89.87 million.

As of Jun 18, Lake Shore Bancorp, Inc. has a market capitalization of 108.34 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 34.56 million and a net profit of 4.98 million.<BR><BR>As of Dec'24, the reporting period shows shareholder's funds at 89.87 million and total assets at 685.50 million.

What does Lake Shore Bancorp, Inc. do?

Lake Shore Bancorp, Inc. is a savings and loan holding company with a market cap of USD 108.34 million, reporting net sales of USD 8 million and a net profit of USD 1 million for Q1 2025. Key metrics include a P/E ratio of 22.00 and a dividend yield of 340.75%.

Overview:<BR>Lake Shore Bancorp, Inc. is a savings and loan holding company operating in the savings banks industry, with a market capitalization of USD 108.34 million.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 8 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 1 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 108.34 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 22.00 <BR>Dividend Yield: 340.75% <BR>Debt Equity: 0.00 <BR>Return on Equity: 5.48% <BR>Price to Book: 1.20 <BR><BR>Contact Details:<BR>Address: 31 E 4th St, DUNKIRK NY: 14048-2112 <BR>Tel: 1 716 3664070 <BR>Fax: 1 302 6555049 <BR>Website: https://www.lakeshoresavings.com/

Should I buy, sell or hold Lake Shore Bancorp, Inc.?

Who are in the management team of Lake Shore Bancorp, Inc.?

As of March 2022, the management team of Lake Shore Bancorp, Inc. includes Chairman Kevin Sanvidge, CEO Daniel Reininga, and six independent directors: Tracy Bennett, Sharon Brautigam, David Mancuso, John McGrath, and Jack Mehltretter. They oversee the company's operations and strategic direction.

As of March 2022, the management team of Lake Shore Bancorp, Inc. includes the following individuals:<BR><BR>- Mr. Kevin Sanvidge, Chairman of the Board<BR>- Mr. Daniel Reininga, President, Chief Executive Officer, and Director<BR>- Mr. Tracy Bennett, Independent Director<BR>- Ms. Sharon Brautigam, Independent Director<BR>- Mr. David Mancuso, Independent Director<BR>- Mr. John McGrath, Independent Director<BR>- Mr. Jack Mehltretter, Independent Director<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

Is Lake Shore Bancorp, Inc. technically bullish or bearish?

As of July 24, 2025, Lake Shore Bancorp, Inc. has a bullish technical trend supported by positive MACD, Bollinger Bands, and KST indicators, despite lagging behind the S&P 500 in 3- and 5-year performance.

As of 24 July 2025, the technical trend for Lake Shore Bancorp, Inc. has changed from mildly bullish to bullish. The weekly and monthly MACD indicators are both bullish, supporting a positive outlook. The Bollinger Bands are bullish on the weekly and mildly bullish on the monthly, while the daily moving averages also indicate a bullish stance. The KST is bullish on both weekly and monthly time frames. However, the RSI shows no signal for both time frames, and Dow Theory indicates no trend on both weekly and monthly levels. <BR><BR>In terms of performance, Lake Shore Bancorp has outperformed the S&P 500 over the past month (3.55% vs. 2.33%) and year-to-date (29.25% vs. 12.22%), but has significantly lagged over the 3-year (33.45% vs. 70.41%) and 5-year (31.58% vs. 96.61%) periods. Overall, the current technical stance is bullish, with strong indicators supporting this view.

Is Lake Shore Bancorp, Inc. overvalued or undervalued?

As of October 17, 2025, Lake Shore Bancorp, Inc. has shifted from a fair to an attractive valuation grade, indicating it is undervalued with a P/E ratio of 22, a Price to Book Value of 1.20, and an EV to EBITDA ratio of 13.74, despite a higher P/E compared to some peers, supported by a strong dividend yield of 339.50%.

As of 17 October 2025, the valuation grade for Lake Shore Bancorp, Inc. has moved from fair to attractive, indicating a positive shift in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 22, a Price to Book Value of 1.20, and an EV to EBITDA ratio of 13.74. In comparison to peers, Lake Shore's P/E ratio is higher than BV Financial, Inc. at 15.53 and CF Bankshares, Inc. at 10.00, suggesting that while it is priced higher than some competitors, its valuation may still be justified given its attractive grade change.<BR><BR>Despite the lack of return data for a direct comparison with the S&P 500, the recent grade improvement and the strong dividend yield of 339.50% reinforce the notion that Lake Shore Bancorp, Inc. is positioned favorably within its industry. Overall, the combination of these metrics supports the conclusion that the stock is undervalued relative to its peers and recent performance indicators.