Lake Shore Bancorp (LSBK)
Operates Lake Shore Bank across Western New York.
Something off on this page? Send us feedback.
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
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $56.6M · Total debt $0 · Total assets $736.7M · Shareholders' equity $144.8M
- Revenue
- $10.1M
- Operating income
- $2.7M
- Net income
- $2.2M
HistoryDividendAnnual yield
| Institutions | 29.10% | 2.29M shares | |
|---|---|---|---|
| 31 holders · as of Jun 30, 2026 | |||
| Insiders | 2.09% | 164.0K shares | |
| 10 holders · as of Apr 25, 2025 | |||
| Other | 68.81% | 5.41M shares | |
| remainder | |||
7.86M company shares as of Aug 21, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count is from the company's May 2025 quarterly report; nothing newer is on file here.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Stilwell Value LLCInstitution | 9.84% | 773,675 | as of Jun 30, 2026 |
AllianceBernstein L.P.Institution | 6.43% | 505,971 | as of Jun 30, 2026 |
Oppenheimer & Close, LLCInstitution | 2.29% | 180,000 | as of Jun 30, 2026 |
Mangrove PartnersInstitution | 1.91% | 150,585 | as of Jun 30, 2026 |
HBK Sorce Advisory LLCInstitution | 1.08% | 85,173 | as of Jun 30, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
- 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
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Lake Shore Bancorp | $18.18 | −0.47% | $143.6M | 16.3 | — | 3.6 | +2.3% |
| M&T Bank | $222.07 | −0.60% | $32.38B | 11.8 | 11.2 | 2.6 | +5.7% |
| KeyCorp | $20.49 | +0.02% | $22.11B | 11.9 | 10.5 | 2.1 | +7.3% |
| Northwest Bancshares | $15.18 | −0.20% | $2.23B | 14.7 | 10.8 | 2.6 | +21.2% |
| NBT Bancorp | $50.83 | −0.05% | $2.64B | 12.5 | 11.6 | 2.8 | +9.4% |
| Financial Institutions | $40.20 | −0.30% | $793.8M | 10.0 | 9.6 | 2.5 | +8.2% |
| Median | 11.9 | 10.8 | 2.6 | +8.2% |