Lake Shore Bancorp, Inc. (LSBK) Stock Score, Valuation & Financial Research
Lake Shore Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 54/100.
Quick answer for LSBK
Lake Shore Bancorp, Inc. currently has a Wall Street Score of 54/100. The stored market price is $18.85. Its financial score is 66/100. Its valuation score is 80/100. The latest WSS change is +0.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Lake Shore Bancorp, Inc. does
Lake Shore Bancorp, Inc. functions as the parent entity for Lake Shore Savings Bank, through which it delivers a comprehensive array of banking and financial services. The bank provides a diverse selection of deposit products, including various savings accounts (such as specialized Christmas Club accounts and standard statement savings), money market accounts, both interest-bearing and non-interest-bearing checking accounts (like demand deposits), health savings accounts, retirement savings vehicles, fixed-term certificates of deposit, and interest on lawyer accounts. These offerings cater to individual clients, as well as small to medium-sized businesses, providing them with commercial savings, checking, and money market solutions. Its lending portfolio is equally broad, featuring commercial real estate loans, financing for commercial construction projects, and home equity loans and lin
LSBK financial snapshot
- Wall Street Score:
- 54/100
- Current price:
- $18.85
- Market capitalization:
- $148.2M
- Revenue:
- $40.5M
- Net income:
- $8.4M
- Free cash flow:
- $7.4M
- Cash:
- $61.6M
- Total debt:
- $1.3M
- EPS:
- 0.96
- P/E ratio:
- 19.6x
- Financial score:
- 66/100
- Valuation score:
- 80/100
- Revenue score:
- 23/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $7.4M, showing positive cash generation.
- The balance sheet shows $61.6M of cash versus $1.3M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is +0.1 points: LSBK increased 0.1 points because overall fundamentals improved.
What the numbers mean
Its current valuation score is 80/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 66/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research LSBK
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.