Lake Shore Bancorp
Operates Lake Shore Bank across Western New York.
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Profile
Operates Lake Shore Bank, a community-oriented institution in Western New York. The current public issuer emerged from a second-step mutual conversion in 2025.
Acts as the bank holding company for Lake Shore Bank, a community-oriented institution serving Western New York. The operating bank’s history in the region dates to 1891, while the present public issuer emerged through a second-step mutual conversion in July 2025.
Lake Shore Bank operates 10 full-service branches in Western New York. The company describes support for local nonprofit organizations through community-reinvestment grants.
The 2025 conversion ended the two-tier mutual holding-company structure and made the issuer the Bank’s fully public holding company. At the same time, Lake Shore Bank changed from a federal savings-and-loan charter to a New York-chartered commercial-bank charter.
Company facts
Categories
Key statistics
Year to date +16.8% · Average volume (30d) 10.3K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | — | $0.29 | — | — | $10.1M | — | +0.06% |
| Apr 22, 2026Q1 FY26 | — | $0.26 | — | — | $9.8M | — | −0.56% |
| Jan 21, 2026Q4 FY25 | — | $0.26 | — | — | $10.1M | — | +1.37% |
| Oct 22, 2025Q3 FY25 | — | $0.32 | — | — | $10.4M | — | +1.79% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $9.1M | $9.9M | $10.4M | $10.1M | $9.8M | $10.1M | |
| Gross profit | $6.1M | $6.9M | $7.7M | $7.3M | $7.5M | $7.5M | |
| Operating income | $1.3M | $2.3M | $2.8M | $2.3M | $2.4M | $2.7M | |
| Net income | $1.1M | $1.9M | $2.4M | $1.9M | $1.9M | $2.2M | |
| Diluted EPS | $0.14 | $0.25 | $0.31 | $0.26 | $0.26 | $0.29 | |
| Gross margin | 67.6% | 69.9% | 73.8% | 72.0% | 76.6% | 74.2% | |
| Operating margin | 13.9% | 23.2% | 27.3% | 23.1% | 24.1% | 26.1% |
Fiscal years (4-quarter sums)FY21 $27.8M · FY22 $29.5M · FY23 $36.4M · FY24 $38.1M · FY25 $39.6M
Balance sheet, Jun 30, 2026Cash & short-term investments $3.1M · Total debt $0 · Total assets $736.7M · Shareholders' equity $144.8M
Dividends
Last cut to $0.09 from $0.1329 split-adjusted in Aug 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 3, 2026 | Aug 3 | Aug 12 | $0.09 | |
| May 4, 2026 | May 4 | May 13 | $0.09 | |
| Feb 2, 2026 | Feb 2 | Feb 11 | $0.09 | |
| Nov 3, 2025 | Nov 3 | Nov 12 | $0.09 | |
| Aug 4, 2025 | Aug 4 | Aug 13 | $0.09 | cut from $0.1329 split-adjusted |
| Feb 10, 2025 | Feb 10 | Feb 14 | $0.1799 | |
| Nov 4, 2024 | Nov 4 | Nov 8 | $0.1799 | |
| Aug 12, 2024 | Aug 12 | Aug 16 | $0.1799 | cut from $0.18 split-adjusted |
Ownership
Shares outstanding 7.86M · Float 2.78M · 35.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Stilwell Value LLC | 773.7K | 9.84% | 13F | May 6, 2026 |
| AllianceBernstein L.P. | 449.0K | 5.71% | 13F | May 15, 2026 |
| Oppenheimer & Close, LLC | 180.0K | 2.29% | 13F | May 12, 2026 |
| Mangrove Partners | 150.6K | 1.91% | 13F | May 15, 2026 |
| HBK Sorce Advisory LLC | 88.1K | 1.12% | 13F | May 11, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- M&T Bank
Large Western New York rival in deposits, consumer and commercial lending
- KeyCorp
Western New York bank rival in deposits and consumer and business lending
- Northwest Bancshares
Direct Erie County branch-network rival for deposits and lending
- NBT Bancorp
New York regional-bank rival in commercial banking and deposits
- Financial Institutions
Five Star Bank overlaps in Erie County consumer and commercial banking
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Lake Shore Bancorp | $17.18 | +0.12% | $135.1M | 15.3 | — | 3.3 | +2.3% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| Northwest Bancshares | $15.34 | 0.00% | $2.25B | 14.9 | 10.9 | 2.7 | +21.2% |
| NBT Bancorp | $51.55 | 0.00% | $2.68B | 12.6 | 11.8 | 2.8 | +9.4% |
| Financial Institutions | $40.96 | 0.00% | $806.4M | 10.1 | 9.8 | 2.6 | +8.2% |
| Median | 12.6 | 11.2 | 2.7 | +8.2% |