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Lake Shore Bancorp

LSBK
63
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
63
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Mixed
Growth
Strong
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Mixed
Dividends
Mixed
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Winston Score History

The full picture

Lake Shore Bancorp is a small community bank holding company based in western New York, near Lake Erie. It operates Lake Shore Savings Bank, which offers everyday banking services like checking and savings accounts, mortgages, and loans to regular people and small businesses in the Chautauqua and Erie County regions of New York.

The bank makes money the traditional way — it takes in deposits and lends that money out at higher interest rates, keeping the difference as profit. With around a dozen branch locations concentrated in a small geographic area, Lake Shore Bancorp is a true community bank, competing mainly on local relationships rather than technology or scale. Its main risk is its limited size and geographic concentration, meaning a slowdown in the local economy or rising deposit costs could quickly squeeze its profit margins.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+16.0% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

64.6%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$666M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Lake Shore Bancorp is growing revenue at 2% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
6.6%
no trend
Weak — 6.6% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.95%
no trend
Wide spread — 3.95% net interest margin
Cost of running the bank
Efficiency Ratio
68.8%
no trend
Bloated cost base — 68.8% efficiency ratio

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Growth

Sales growth
Sales YoY
+5.6%
Slow sales growth (+5.6% YoY)
Profit growth
EPS YoY
+49.3%
Earnings growing fast (+49.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
17.5%
no trend
Very well capitalised — 17.5% Tier-1 leverage

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.28%
no trend
Clean loan book — 0.28% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.01%
no trend
Minimal losses — 0.01% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
15.4x
no trend
Fair value — P/E 15.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
2.09%
no trend
Moderate income — 2.09% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
-42.8%
no trend
Dividend cut (-42.8% YoY) — warning sign

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