Lake Shore Bancorp, Inc. (LSBK)
At June 30, 2026 it held $72.2M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 11, 2026.
Key facts about Lake Shore Bancorp, Inc.
- Net worth
- Lake Shore Bancorp, Inc. has a market value (market cap) of $148.9M at the latest share price, and shareholders' equity of $144.8M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $8M of cash.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 11, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- Lake Shore Bancorp, Inc.'s next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Lake Shore Bancorp, Inc. declared dividends of $0.31 per share in fiscal 2025, a yield of 1.64% at the current price.
What Lake Shore Bancorp, Inc. does
Lake Shore Bancorp, Inc. is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NASDAQ under the ticker LSBK.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $7.3M | $0.97 | n/a |
| 2025 | n/a | $4.9M | $0.65 | n/a |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Lake Shore Bancorp, Inc. declared $0.31 per share in fiscal 2025. At the current price that is a yield of 1.64%. It paid out $1.7M in cash dividends, 23% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.31 | $1.7M | 23% |
| 2025 | $0.40 | $1.1M | 22% |
Latest SEC filings
What Lake Shore Bancorp, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 23, 2026Other event 8-K
- October 21, 2026
- August 11, 2026
- July 24, 2026Other event 8-K
- July 22, 2026
- May 20, 2026
- May 20, 2026
- May 18, 2026Passive stake (5% or more) SCHEDULE 13G
- May 12, 2026
- April 24, 2026Other event 8-K
Insider trades
What the people running Lake Shore Bancorp, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider bought or sold shares on the open market in the last 90 days. The 3 reported changes were pay in shares, option exercises, shares withheld for tax or gifts.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 8, 2026 | Sanvidge Kevin M.Director | Exercised options | 14,563 | $154.7K |
| August 21, 2026 | Werdein Jeffrey M.EVP-Commercial Division | Exercised options | 23,132 | $245.7K |
| August 21, 2026 | Werdein Jeffrey M.EVP-Commercial Division | Shares withheld for tax | 16,525 | $285.1K |
| June 4, 2026 | Brautigam Sharon EDirector | Exercised options | 1,028 | $8.1K |
| April 23, 2026 | Liddell Kim CDir., Pres. and CEO of Bank | Shares withheld for tax | 631 | $10K |
| April 23, 2026 | Werdein Jeffrey M.EVP-Commercial Division | Shares withheld for tax | 302 | $4.8K |
| March 18, 2026 | Segarra Ann MDirector | Received as pay | 620 | - |
| March 18, 2026 | DeBergalis Michelle MDirector | Received as pay | 480 | - |
Who owns LSBK
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Stilwell Activist Fund, L.P.13D, may seek influence with 4 related filers | 9.9% | March 18, 2026 |
| Employee Stock Ownership Plan Trust of Lake Shore Bancorp, Inc.13G, passive | 7.8% | November 14, 2025 |
| AllianceBernstein L.P.13G, passive | 5.7% | May 18, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 32 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Stilwell Value LLC | 773,675 | 0 |
| Alliancebernstein L.P. | 505,971 | +57,012 |
| Oppenheimer & Close, LLC | 180,000 | 0 |
| Mangrove Partners IM, LLC | 150,585 | 0 |
| HBK Sorce Advisory LLC | 85,173 | -2,905 |
| Graham Capital Wealth Management, LLC | 74,543 | -647 |
| Peapod Lane Capital LLC | 70,039 | +1,096 |
| Renaissance Technologies LLC | 65,641 | -3,400 |
| Dimensional Fund Advisors LP | 47,933 | +2,224 |
| Minerva Advisors LLC | 44,259 | 0 |
| Morgan Stanley | 30,133 | +228 |
| BlackRock, Inc. | 29,505 | +18,962 |
| Vanguard Capital Management LLC | 27,442 | +3,249 |
| Geode Capital Management, LLC | 26,729 | +8,793 |
| Courier Capital LLC | 25,694 | +9 |
| First Manhattan Co. LLC. | 25,075 | 0 |
| Sandhill Capital Partners LLC | 18,218 | +102 |
| Round Hill Asset Management | 15,715 | 0 |
| Cerity Partners LLC | 15,335 | 0 |
| Bridgeway Capital Management, LLC | 12,568 | 0 |
Insiders
10 insiders reported holding 345,372 shares in total, about $6.5M at the last price.
| Holder | Shares |
|---|---|
| Sanvidge Kevin M.Director | 75,0373,150 held indirectly |
| Liddell Kim CDir., Pres. and CEO of Bank | 70,367 |
| Werdein Jeffrey M.EVP-Commercial Division | 60,862 |
| Passafaro Ronald JDirector | 45,837 |
| Brautigam Sharon EDirector | 24,842 |
| Gilden Taylor MCFO and Treasurer | 22,403 |
| Mehltretter John LDirector | 19,600 |
| McGrath John PDirector | 10,873 |
| DeBergalis Michelle MDirector | 8,859 |
| Segarra Ann MDirector | 6,692 |
Questions about LSBK
What does Lake Shore Bancorp, Inc. do?
Lake Shore Bancorp, Inc. is a company in the Finance sector, listed on NASDAQ as LSBK. Its shares trade on NASDAQ under the ticker LSBK.
What is Lake Shore Bancorp, Inc.'s net worth?
Lake Shore Bancorp, Inc. has a market value (market cap) of $148.9M at the latest share price, and shareholders' equity of $144.8M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Lake Shore Bancorp, Inc. profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $8.4M.
When did Lake Shore Bancorp, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 11, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the other event from October 23, 2026.
When is Lake Shore Bancorp, Inc.'s next earnings report?
Lake Shore Bancorp, Inc.'s next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Lake Shore Bancorp, Inc. pay a dividend?
Yes. Lake Shore Bancorp, Inc. declared dividends of $0.31 per share in fiscal 2025, a yield of 1.64% at the current price.
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Where the numbers come from
Financial figures are the values Lake Shore Bancorp, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.