LAKE SHORE BANCORP INC/MD (LSBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$18.98+1.01%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · LSBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 10.0% |
| Our one-year growth estimate | diamond | Not available |
Growth built into the price is above our model estimate.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A comparable growth gap is not available.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
LSBK — dividend update
Dated 2026-10-23
Other Events. On October 21, 2026, the Board of Directors of Lake Shore Bancorp, Inc. (the "Company") declared a cash dividend of $0.09 per share on its outstanding common stock. The dividend is expected to be paid on November 11, 2026 to shareholders of record as of November 2, 2026. A copy of the press release is attached as Exhibit 99.1 hereto.
Why it matters: The ratio improved to 60.95% in Q3, but expenses rose over the first nine months. A low ratio would show cost control is holding.
Supportive ifQ4 efficiency ratio stays below 63.77%, the Q2 2026 level, and nine-month expense growth does not speed up.
Worry ifThe Q4 efficiency ratio reaches 63.77% or more, or expenses rise faster than income.
Why it matters: Loan and deposit growth can support core income. The bank also calls for careful growth and core funding.
Supportive ifAt year-end, net loans top $574.1 million and deposits top $580.3 million. These were their September 2026 levels.
Worry ifAt year-end, net loans are at or below $574.1 million, or deposits are at or below $580.3 million.
Why it matters: The margin rose to 4.17% in Q3. Another gain would support growth in core bank income.
Supportive ifQ4 net interest margin is above 4.06%, the Q2 2026 level, and net interest income grows from Q3's $7.1 million.
Worry ifQ4 net interest margin is at or below 4.06%, or net interest income falls below Q3's $7.1 million.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$54 on $10,000 · ±0.5% | How much price usually moves either way. |
| Bad day | $184 loss on $10,000 · 1.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $790 loss on $10,000 · 7.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.