LAKE SHORE BANCORP INC/MD (LSBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$17.38-0.23%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -5.1% |
| Our one-year growth estimate | diamond | Not available |
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 2026-09-04.
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.
Growth built into the price is above our model estimate.
A comparable growth gap is not available.
The one-year revenue growth assumption on Valuation.
Model as of —
LSBK — dividend update
Dated 2026-07-24
Other Events. On July 22, 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 August 12, 2026 to shareholders of record as of August 3, 2026. A copy of the press release is attached as Exhibit 99.1 hereto.
Why it matters: Growth in net interest income shows how well the bank manages interest rates. This helps the bank make more money.
Supportive ifQ3 net interest income increases more than 10% year over year.
Worry ifQ3 net interest income growth is less than 5% year over year.
Why it matters: Keeping the dividend shows the bank is stable. It also shows management wants to return money to shareholders.
Watch forDividend payout remains at $0.09 per share for Q3.
Also watch forDividend payout is reduced from $0.09 per share for Q3.
Why it matters: Fewer non-performing assets mean better credit quality. This shows better risk control.
Supportive ifNon-performing assets decrease to below 0.20% of total assets in Q3.
Worry ifNon-performing assets rise above 0.25% of total assets in Q3.
Why it matters: A lower efficiency ratio means better cost control and smoother operations. This can help the bank make more money.
Supportive ifThe efficiency ratio is now below 62% for Q3.
Worry ifEfficiency ratio stays above 65% for Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$45 on $10,000 · ±0.4% | How much price usually moves either way. |
| Bad day | $118 loss on $10,000 · 1.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $675 loss on $10,000 · 6.8% | 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.
Why it matters: A drop in sector revenue growth may show bigger economic problems for Lake Shore Bancorp.
Worry ifSector revenue growth falls below 15%, indicating a slowdown.
Less concerning ifSector revenue growth stays above 15%. This means the sector is still growing.
Why it matters: More deposits show that customers trust the bank. This helps with loan growth and overall financial health.
Supportive ifTotal deposits increase by more than $5 million by the end of Q3.
Worry ifTotal deposits decrease or remain flat compared to Q2.
Why it matters: Growth in deposits shows customer trust and helps with lending.
Supportive ifTotal deposits grow more than 3% compared to Q3 2025.
Worry ifTotal deposits decline or grow less than 1% compared to Q3 2025.
Why it matters: An increase in dividends shows confidence in making money. It also shows good capital management.
Supportive ifThe board announces a dividend increase above $0.09 per share.
Worry ifThe board maintains the dividend at $0.09 per share or decreases it.