LSBK
Lake Shore Bancorp, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Buy
+42/100
Last price
17.99
▼ 0.08 (0.44%)
MARKET · —
Price
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Tool
1D
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Range —
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Open
—
Prev close
18.07
Day high
18.77
Day low
17.99
Volume
8.28K
Market cap
$141.29M
P/E (TTM)
15.78
52W range
12.50 – 19.09
Trailing performance
Returnvs SPY
1W
-2.23%
-4.2%
1M
+3.51%
+2.4%
3M
+5.82%
+1.3%
6M
+16.82%
-1.4%
YTD
+22.71%
+8.5%
1Y
+38.81%
+22.4%
3Y
+139.75%
+57.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on LSBK open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
1.17M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 8, 26 | SANVIDGE KEVIN M Chairman of the Board |
CONVERSION | 14.56K | $154.66K | Direct |
| Aug 21, 26 | WERDEIN JEFFREY M. Officer |
CONVERSION | 23.13K | $245.66K | Direct |
| Jun 4, 26 | BRAUTIGAM SHARON E Director |
CONVERSION | 1.03K | $8.11K | Direct |
| Mar 18, 26 | SEGARRA ANN M Director |
STOCK | 620 | $0 | Direct |
| Mar 18, 26 | LIDDELL KIM C Officer of Subsidiary Company |
STOCK | 6.29K | $0 | Direct |
| Mar 18, 26 | BRAUTIGAM SHARON E Director |
STOCK | 527 | $0 | Direct |
| Mar 18, 26 | MCGRATH JOHN P. Director |
STOCK | 589 | $0 | Direct |
| Mar 18, 26 | SANVIDGE KEVIN M Chairman of the Board |
STOCK | 893 | $0 | Direct |
| Mar 18, 26 | WERDEIN JEFFREY M. Officer |
STOCK | 3.02K | $0 | Direct |
| Mar 18, 26 | MEHLTRETTER JOHN L Director |
STOCK | 667 | $0 | Direct |
| Mar 18, 26 | PASSAFARO RONALD J Director |
STOCK | 573 | $0 | Direct |
| Mar 18, 26 | DEBERGALIS MICHELLE M. Director |
STOCK | 480 | $0 | Direct |
| Mar 18, 26 | GILDEN TAYLOR M Chief Financial Officer |
STOCK | 3.03K | $0 | Direct |
| Dec 10, 25 | SANVIDGE KEVIN M Chairman of the Board |
STOCK | 1.38K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BRAUTIGAM SHARON E |
Director | 45.32K | Conversion of Exercise of derivative security |
DEBERGALIS MICHELLE M. |
Director | 9.02K | Stock Award(Grant) |
GILDEN TAYLOR M |
Chief Financial Officer | 25.30K | Stock Award(Grant) |
LIDDELL KIM C |
Officer of Subsidiary Company | 123.34K | Stock Award(Grant) |
MCGRATH JOHN P. |
Director | 90.80K | Stock Award(Grant) |
MEHLTRETTER JOHN L |
Director | 39.60K | Stock Award(Grant) |
PASSAFARO RONALD J |
Director | 48.27K | Stock Award(Grant) |
SANVIDGE KEVIN M |
Chairman of the Board | 75.04K | Conversion of Exercise of derivative security |
SEGARRA ANN M |
Director | 88.53K | Stock Award(Grant) |
WERDEIN JEFFREY M. |
Officer | 90.64K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$141.29M
Enterprise value$60.17M
Revenue (TTM)$29.95M
Gross profit$29.95M
EBITDA—
Net income$8.39M
EPS (TTM)$1.14
Free cash flow—
Total cash$72.24M
Total debt$0
Book value / share$19.64
Shares outstanding7.85M
Float5.35M
Short % of float0.25%
Dividend yield2.00%
Beta (5Y)0.29
Valuation & profitability ratios
Trailing P/E15.78
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.92
EV / revenue2.01
EV / EBITDA—
Gross margin0.00%
Operating margin36.20%
Profit margin28.01%
Return on equity7.06%
Return on assets1.14%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $27.84M | $24.37M | $26.99M | $27.04M | +14.2% |
| Operating revenue | $27.84M | $24.37M | $26.99M | $27.04M | +14.2% |
| Selling, general & admin | $11.97M | $12.34M | $12.95M | $10.84M | -3.0% |
| Pre-tax income | $8.75M | $5.87M | $6.22M | $6.87M | +49.2% |
| Tax provision | $1.48M | $935.00K | $1.40M | $1.16M | +58.6% |
| Net income | $7.27M | $4.93M | $4.82M | $5.71M | +47.4% |
| Net income to common | $7.27M | $4.93M | $4.82M | $5.71M | +47.4% |
| Basic EPS | 0.97 | 0.88 | 0.82 | 0.97 | +10.2% |
| Diluted EPS | 0.97 | 0.88 | 0.82 | 0.97 | +10.2% |
| Basic shares | 7.49M | 5.60M | 5.88M | 5.88M | +33.7% |
| Diluted shares | 7.49M | 5.60M | 5.88M | 5.88M | +33.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $64.28M | $33.13M | $53.73M | $9.63M | — | +94.0% |
| Accounts receivable | $3.01M | $2.82M | $2.83M | $2.80M | — | +6.7% |
| Property, plant & equipment | $7.05M | $7.22M | $7.87M | $8.29M | — | -2.3% |
| Total assets | $727.32M | $685.50M | $725.12M | $699.91M | — | +6.1% |
| Current debt | — | — | $0 | $12.60M | $0 | — |
| Long-term debt | — | $10.25M | $35.25M | $24.95M | $21.95M | — |
| Total debt | — | $10.25M | $35.25M | $37.55M | $21.95M | — |
| Total liabilities | $585.68M | $595.64M | $638.85M | $618.73M | — | -1.7% |
| Retained earnings | $88.40M | $82.81M | $78.96M | $74.86M | — | +6.8% |
| Shareholder equity | $141.64M | $89.87M | $86.27M | $81.18M | — | +57.6% |
| Net tangible assets | $141.64M | $89.87M | $86.27M | $81.18M | — | +57.6% |
| Shares issued | 7.84M | 6.84M | 6.84M | 6.84M | — | +14.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $7.27M | $4.93M | $4.82M | $5.71M | — | +47.4% |
| Depreciation & amortisation | $612.00K | $739.00K | $807.00K | $856.00K | — | -17.2% |
| Stock-based compensation | $558.00K | $345.00K | $103.00K | $335.00K | — | +61.7% |
| Change in working capital | -$453.00K | -$2.67M | $789.00K | $603.00K | — | +83.0% |
| Operating cash flow | $8.00M | $2.51M | $6.21M | $8.21M | — | +218.9% |
| Capital expenditure | -$560.00K | — | -$391.00K | -$406.00K | -$627.00K | — |
| Investing cash flow | -$8.13M | $21.12M | $19.52M | -$57.20M | — | -138.5% |
| Share buybacks | -$53.00K | -$20.00K | -$58.00K | -$85.00K | — | -165.0% |
| Dividends paid | -$1.68M | -$1.08M | $0 | -$1.44M | — | -54.9% |
| Financing cash flow | $31.28M | -$44.22M | $18.37M | -$8.95M | — | +170.7% |
| Free cash flow | $7.44M | $2.51M | $5.81M | $7.80M | — | +196.6% |
| End cash position | $64.28M | $33.13M | $53.73M | $9.63M | — | +94.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $7.64M | $7.36M | $7.31M | $7.42M | $6.92M | +3.8% |
| Operating revenue | $7.64M | $7.36M | $7.31M | $7.42M | $6.92M | +3.8% |
| Selling, general & admin | $3.17M | $3.39M | $3.08M | $2.95M | $2.94M | -6.6% |
| Pre-tax income | $2.65M | $2.35M | $2.35M | $2.85M | $2.30M | +12.6% |
| Tax provision | $477.00K | $430.00K | $411.00K | $487.00K | $378.00K | +10.9% |
| Net income | $2.17M | $1.92M | $1.93M | $2.36M | $1.92M | +13.0% |
| Net income to common | $2.17M | $1.92M | $1.93M | $2.36M | $1.92M | +13.0% |
| Basic EPS | 0.29 | 0.26 | 0.26 | 0.32 | 0.34 | +11.5% |
| Diluted EPS | 0.29 | 0.26 | 0.26 | 0.32 | 0.34 | +11.5% |
| Basic shares | 7.49M | 7.40M | 7.44M | 7.37M | 5.64M | +1.3% |
| Diluted shares | 7.49M | 7.40M | 7.44M | 7.37M | 5.64M | +1.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $72.24M | $61.61M | $64.28M | $83.64M | $75.37M | — | +17.3% |
| Accounts receivable | $2.96M | $3.00M | $3.01M | $3.00M | $2.88M | — | -1.4% |
| Property, plant & equipment | $6.86M | $6.92M | $7.05M | $7.22M | $7.33M | — | -0.9% |
| Total assets | $736.65M | $722.01M | $727.32M | $742.80M | $734.84M | — | +2.0% |
| Long-term debt | — | — | — | $2.00M | $2.00M | $4.00M | — |
| Total debt | — | — | — | $2.00M | $2.00M | $4.00M | — |
| Total liabilities | $591.89M | $579.63M | $585.68M | $603.50M | $641.95M | — | +2.1% |
| Retained earnings | $91.17M | $89.66M | $88.40M | $87.12M | $85.42M | — | +1.7% |
| Shareholder equity | $144.76M | $142.38M | $141.64M | $139.31M | $92.88M | — | +1.7% |
| Net tangible assets | $144.76M | $142.38M | $141.64M | $139.31M | $92.88M | — | +1.7% |
| Shares issued | 7.86M | 7.86M | 7.84M | 7.83M | 6.84M | — | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $2.17M | $1.92M | $1.93M | $2.36M | $1.92M | — | +13.0% |
| Depreciation & amortisation | $139.00K | $143.00K | $150.00K | $150.00K | $156.00K | — | -2.8% |
| Stock-based compensation | $211.00K | $199.00K | $171.00K | $161.00K | $106.00K | — | +6.0% |
| Change in working capital | -$269.00K | $583.00K | -$358.00K | $893.00K | -$383.00K | — | -146.1% |
| Operating cash flow | $2.34M | $2.79M | $2.15M | $3.34M | $1.79M | — | -16.2% |
| Capital expenditure | -$80.00K | -$8.00K | — | -$41.00K | -$386.00K | -$150.00K | -900.0% |
| Investing cash flow | -$3.43M | $2.60M | -$3.36M | $1.16M | -$324.00K | — | -231.6% |
| Share buybacks | -$50.00K | -$32.00K | -$2.00K | $0 | -$16.00K | — | -56.3% |
| Dividends paid | -$663.00K | -$662.00K | -$657.00K | -$658.00K | $0 | — | -0.2% |
| Financing cash flow | $11.72M | -$8.07M | -$18.15M | $3.78M | $43.47M | — | +245.2% |
| Free cash flow | $2.26M | $2.78M | $2.17M | $3.30M | $1.41M | — | -18.8% |
| End cash position | $72.24M | $61.61M | $64.28M | $83.64M | $75.37M | — | +17.3% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Dec 2010 | — | 0.12 | — |
| Sep 2010 | — | 0.10 | — |
| Jun 2010 | — | 0.08 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders15.87%
Held by institutions29.26%
Institutions holding39
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
18.07
-0.46% from price
SMA 20
18.16
-0.96% from price
SMA 50
17.60
+2.24% from price
SMA 100
17.04
+5.56% from price
SMA 200
16.21
+10.98% from price
EMA 12
18.10
-0.58% from price
EMA 26
17.95
+0.25% from price
EMA 50
17.66
+1.87% from price
RSI (14)
51.1
Neutral
MACD (12,26,9)
0.15
Hist -0.04
ATR (14)
0.57
3.15% of price
Realised vol 30D
23.7%
Annualised
Bollinger upper
18.72
20, 2σ
Bollinger lower
17.61
20, 2σ
50 / 200 cross
Golden
17.60 vs 16.21
Trend bias
Above 200
+10.98%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.10
Less volatile than market
Correlation to SPY
0.07
Largely independent
Realised vol 30D
23.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-6.8%
Peak to trough
Max drawdown 5Y
-37.0%
Peak to trough
ATR 14
0.57
3.15% of price
Beta (reported)
0.29
5Y monthly, from filing
Short interest
Shares short
18.27K
Prior 14.05K
Change vs prior
+30.0%
Shorts adding
% of float
0.25%
Normal
% of shares out
0.23%
Against total outstanding
Days to cover
1.0
Liquid
Float
5.35M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.36 / yr
Forward yield2.00%
5-year avg yield3.07%
Payout ratio31.30%
Ex-dividend dateAug 3, 2026
Next pay dateAug 12, 2026
Last split1354:1000
Split dateJul 21, 2025
SEC filings
Periodic Financial Reports
10-Q · 2026-08-11
Corporate Changes & Voting Matters
8-K · 2026-07-24
Corporate Changes & Voting Matters
8-K · 2026-07-22
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-12
Corporate Changes & Voting Matters
8-K · 2026-04-24
Corporate Changes & Voting Matters
8-K · 2026-04-22
Annual Report to Shareholders
ARS · 2026-04-07
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
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