Lake Shore Bancorp Inc Overview
Industry: Banks Regional
Sector: Financial Services
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC. Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; mone Read MoreMavefund brings filings, fundamentals, valuation, price history and news for Lake Shore Bancorp Inc into one research view. The sections below show what strengthens or weakens the research case.
Score
Reported Results
What the company reported, with filing details kept small.
Quarterly result summary
EPS was -$1 (reported).
EPS
-$1
reported
Net income
$2.2M
reported
Cash
$5M
reported
What changed
- EPS reported to -$1.
Guidance / outlook
No formal outlook was extracted from this filing excerpt. Open the SEC source to review full management commentary.
Earnings release
Open filing
Source: SEC EDGAR company-filed earnings materials. Dates are shown only for verification; review the source filing before relying on extracted report details.
Other recent earnings materials
SEC filing
8-K
Jul 22, 2026
SEC filing
10-Q
May 12, 2026
SEC filing
8-K
Apr 22, 2026
Earnings release
Earnings release
Apr 22, 2026
SEC filing
10-K
Mar 17, 2026
SEC filing
8-K
Jan 21, 2026
Earnings release
Earnings release
Jan 21, 2026
SEC filing
10-Q
Nov 12, 2025
SEC filing
8-K
Oct 22, 2025
Earnings release
Earnings release
Oct 22, 2025
SEC filing
10-Q
Aug 12, 2025
Prediction-grade evidence
Recent News
Company-relevant articles from sources that pass the Mave Signal relevance and reliability checks.
Lake Shore Bancorp declares $0.09 dividend per share
Headline from Investing.com: Lake Shore Bancorp declares $0.09 dividend per share.
Lake Shore Bancorp: Q2 Earnings Snapshot
Headline from Yahoo Finance: Lake Shore Bancorp: Q2 Earnings Snapshot.
Earnings Per Share
Score 3.00/5
Lake Shore Bancorp Inc boasts a high score, as its Earnings Per Share (EPS) has demonstrated consistent growth over the past six years. Notable counterparts in the sector with high scores includes
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
In
Banks Regional industry
, Pathward Financial Inc
, The Bancorp Inc
, Axos Financial
are companies with high ratings.
Return on Equity
Score 3.16/5
Lake Shore Bancorp Inc stands out with a superior score in the Return on Equity (ROE) section, surpassing the sector median value and showcasing its strong performance in this metric. The top companies in the same sector include
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
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Net Margin
Score 2.86/5
Lake Shore Bancorp Inc
commands a high score, propelled by its net margin consistently outpacing the sector median value and exhibiting continuous growth in recent six years; noteworthy counterparts in the sector, boasting similarly high scores, include
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
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Leverage
Score 2.30/5
Lake Shore Bancorp Inc
registers a lower score in the category as a result of its elevated leverage ratio over the past six years compared to the sector median value. Conversely, other companies in the same sector, including
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
have achieved high scores.
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Financial Statements
Company-reported SEC EDGAR facts organized into the three core statements.
Verified SEC statements load when this section enters view.
Source: SEC EDGAR companyfacts. Values are standardized company filings for research support, not personalized financial advice.
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