Lake Shore Bancorp Net Income
| LSBK Stock | USD 15.34 0.16 1.03% |
As of the 30th of January, Lake Shore secures the Mean Deviation of 0.8308, risk adjusted performance of 0.1699, and Downside Deviation of 1.16. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Lake Shore Bancorp, as well as the relationship between them.
Lake Shore Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.0708 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 5.7 M | 3.7 M | |
| Net Income Applicable To Common Shares | 6.6 M | 3.6 M | |
| Net Income From Continuing Ops | 5.7 M | 4.6 M | |
| Net Income Per Share | 0.98 | 1.03 | |
| Net Income Per E B T | 0.83 | 0.62 |
Lake | Net Income | Build AI portfolio with Lake Stock |
Historical Net Income data for Lake Shore serves as a key indicator of operational performance and financial stability. Tracking changes in this metric over time helps investors spot emerging trends before they become obvious, providing an edge in assessing whether Lake Shore Bancorp represents a compelling investment opportunity.
Latest Lake Shore's Net Income Growth Pattern
Below is the plot of the Net Income of Lake Shore Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Lake Shore Bancorp financial statement analysis. It represents the amount of money remaining after all of Lake Shore Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Lake Shore's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Lake Shore's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 4.93 M | 10 Years Trend |
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Net Income |
| Timeline |
Lake Net Income Regression Statistics
| Arithmetic Mean | 4,227,075 | |
| Geometric Mean | 4,061,592 | |
| Coefficient Of Variation | 29.71 | |
| Mean Deviation | 954,183 | |
| Median | 3,799,268 | |
| Standard Deviation | 1,255,936 | |
| Sample Variance | 1.6T | |
| Range | 5.2M | |
| R-Value | 0.73 | |
| Mean Square Error | 793.3B | |
| R-Squared | 0.53 | |
| Significance | 0.0009 | |
| Slope | 180,809 | |
| Total Sum of Squares | 25.2T |
Lake Net Income History
Other Fundumenentals of Lake Shore Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Lake Shore Net Income component correlations
Lake Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Lake Shore is extremely important. It helps to project a fair market value of Lake Stock properly, considering its historical fundamentals such as Net Income. Since Lake Shore's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Lake Shore's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Lake Shore's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Lake Shore. Expected growth trajectory for Lake significantly influences the price investors are willing to assign. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Lake Shore assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.355 | Dividend Share 0.27 | Earnings Share 0.96 | Revenue Per Share | Quarterly Revenue Growth 0.201 |
Lake Shore Bancorp's market price often diverges from its book value, the accounting figure shown on Lake's balance sheet. Smart investors calculate Lake Shore's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since Lake Shore's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Lake Shore's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Lake Shore represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Lake Shore's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Lake Shore 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Lake Shore's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Lake Shore.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in Lake Shore on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding Lake Shore Bancorp or generate 0.0% return on investment in Lake Shore over 90 days. Lake Shore is related to or competes with Sound Financial, Magyar Bancorp, Riverview Bancorp, Provident Financial, Union Bankshares, Rhinebeck Bancorp, and Affinity Bancshares. Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides bank... More
Lake Shore Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Lake Shore's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Lake Shore Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.16 | |||
| Information Ratio | 0.175 | |||
| Maximum Drawdown | 5.78 | |||
| Value At Risk | (1.48) | |||
| Potential Upside | 2.39 |
Lake Shore Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Lake Shore's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Lake Shore's standard deviation. In reality, there are many statistical measures that can use Lake Shore historical prices to predict the future Lake Shore's volatility.| Risk Adjusted Performance | 0.1699 | |||
| Jensen Alpha | 0.2414 | |||
| Total Risk Alpha | 0.1696 | |||
| Sortino Ratio | 0.171 | |||
| Treynor Ratio | 1.53 |
Lake Shore January 30, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1699 | |||
| Market Risk Adjusted Performance | 1.54 | |||
| Mean Deviation | 0.8308 | |||
| Semi Deviation | 0.8043 | |||
| Downside Deviation | 1.16 | |||
| Coefficient Of Variation | 436.45 | |||
| Standard Deviation | 1.13 | |||
| Variance | 1.29 | |||
| Information Ratio | 0.175 | |||
| Jensen Alpha | 0.2414 | |||
| Total Risk Alpha | 0.1696 | |||
| Sortino Ratio | 0.171 | |||
| Treynor Ratio | 1.53 | |||
| Maximum Drawdown | 5.78 | |||
| Value At Risk | (1.48) | |||
| Potential Upside | 2.39 | |||
| Downside Variance | 1.35 | |||
| Semi Variance | 0.6468 | |||
| Expected Short fall | (0.92) | |||
| Skewness | 0.1044 | |||
| Kurtosis | 1.1 |
Lake Shore Bancorp Backtested Returns
As of now, Lake Stock is very steady. Lake Shore Bancorp has Sharpe Ratio of 0.13, which conveys that the firm had a 0.13 % return per unit of risk over the last 3 months. We have found thirty technical indicators for Lake Shore, which you can use to evaluate the volatility of the firm. Please verify Lake Shore's Downside Deviation of 1.16, mean deviation of 0.8308, and Risk Adjusted Performance of 0.1699 to check out if the risk estimate we provide is consistent with the expected return of 0.15%. Lake Shore has a performance score of 10 on a scale of 0 to 100. The company secures a Beta (Market Risk) of 0.16, which conveys not very significant fluctuations relative to the market. As returns on the market increase, Lake Shore's returns are expected to increase less than the market. However, during the bear market, the loss of holding Lake Shore is expected to be smaller as well. Lake Shore Bancorp right now secures a risk of 1.09%. Please verify Lake Shore Bancorp sortino ratio, skewness, price action indicator, as well as the relationship between the potential upside and rate of daily change , to decide if Lake Shore Bancorp will be following its current price movements.
Auto-correlation | 0.84 |
Very good predictability
Lake Shore Bancorp has very good predictability. Overlapping area represents the amount of predictability between Lake Shore time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Lake Shore Bancorp price movement. The serial correlation of 0.84 indicates that around 84.0% of current Lake Shore price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.84 | |
| Spearman Rank Test | 0.71 | |
| Residual Average | 0.0 | |
| Price Variance | 0.09 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Lake Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Lake Shore Bancorp reported net income of 4.93 M. This is 99.61% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.14% higher than that of the company.
Lake Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Lake Shore's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Lake Shore could also be used in its relative valuation, which is a method of valuing Lake Shore by comparing valuation metrics of similar companies.Lake Shore is currently under evaluation in net income category among its peers.
Lake Shore ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Lake Shore's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Lake Shore's managers, analysts, and investors.Environmental | Governance | Social |
Lake Shore Institutional Holders
Institutional Holdings refers to the ownership stake in Lake Shore that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Lake Shore's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Lake Shore's value.| Shares | Bank Of America Corp | 2025-06-30 | 4.5 K | Srs Capital Advisors Inc | 2025-06-30 | 400 | Advisor Group Holdings, Inc. | 2025-06-30 | 400 | Tower Research Capital Llc | 2025-06-30 | 183 | Capital Advisors, Ltd. Llc | 2025-06-30 | 6.0 | Sbi Securities Co Ltd | 2025-06-30 | 1.0 | Minerva Advisors Llc | 2025-06-30 | 0.0 | Bridgeway Capital Management, Llc | 2025-03-31 | 0.0 | M3f, Inc. | 2025-06-30 | 0.0 | Stilwell Value Llc | 2025-06-30 | 121.9 K | Hbk Sorce Advisory Llc | 2025-06-30 | 67.8 K |
Lake Fundamentals
| Return On Equity | 0.0594 | |||
| Return On Asset | 0.0095 | |||
| Profit Margin | 0.24 % | |||
| Operating Margin | 0.37 % | |||
| Current Valuation | 29.13 M | |||
| Shares Outstanding | 7.69 M | |||
| Shares Owned By Insiders | 49.13 % | |||
| Shares Owned By Institutions | 20.09 % | |||
| Number Of Shares Shorted | 13.46 K | |||
| Price To Earning | 13.34 X | |||
| Price To Book | 0.80 X | |||
| Price To Sales | 4.00 X | |||
| Revenue | 39.55 M | |||
| Gross Profit | 27.77 M | |||
| EBITDA | 9.21 M | |||
| Net Income | 4.93 M | |||
| Cash And Equivalents | 19.68 M | |||
| Cash Per Share | 3.33 X | |||
| Total Debt | 10.25 M | |||
| Debt To Equity | 5.41 % | |||
| Book Value Per Share | 18.00 X | |||
| Cash Flow From Operations | 2.51 M | |||
| Short Ratio | 1.07 X | |||
| Earnings Per Share | 0.96 X | |||
| Number Of Employees | 93 | |||
| Beta | 0.29 | |||
| Market Capitalization | 110.04 M | |||
| Total Asset | 685.5 M | |||
| Retained Earnings | 82.81 M | |||
| Annual Yield | 0.03 % | |||
| Five Year Return | 3.21 % | |||
| Net Asset | 685.5 M | |||
| Last Dividend Paid | 0.27 |
About Lake Shore Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Lake Shore Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Lake Shore using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Lake Shore Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Lake Shore. Expected growth trajectory for Lake significantly influences the price investors are willing to assign. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Lake Shore assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.355 | Dividend Share 0.27 | Earnings Share 0.96 | Revenue Per Share | Quarterly Revenue Growth 0.201 |
Lake Shore Bancorp's market price often diverges from its book value, the accounting figure shown on Lake's balance sheet. Smart investors calculate Lake Shore's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since Lake Shore's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Lake Shore's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Lake Shore represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Lake Shore's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.