Lake Shore Bancorp Inc

LSBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 2:02 PM ET

18.83-0.13 (-0.68%)

2026-11-11 20:03 CET

Market cap

147.51 USD m

Revenue, TTM

- USD m

Net income, TTM

8.34 USD m

Free cash flow, TTM

9.68 USD m

EPS diluted, TTM

1.12

P/E

16.88

Compare

Price

LSBK against its 20, 50 and 200-day averages

2050200

2.6% under the 52-week high of 19.34 on 30 Oct 2026. 52-week low 13.90 on 20 Nov 2025. Last 15 sessions, 6.0% high to low

Profile

LSBK

52-week range, 91% of the way up

13.9019.34

Lake Shore Bancorp, Inc. operates as a savings and loan holding company for Lake Shore Bank. It offers personal services, such as checking, savings, lending, banking, debit card, e-services, and online banking, and business services including deposit products, commercial loans, and business e-statements. The company was founded in 2006 and is headquartered in Dunkirk, NY.

Employees	98
IPO	Apr 04, 2006
Beta	0.30
ATR, 14d	0.48
Rel volume	0.31
Short float	0.54%
Insider own	15.71%
Inst own	29.94%

Snapshot

6 groups

Valuation

Index	-
Market Cap	146.51M
Enterprise Value	-
Income	8.34M
Sales	40.50M
Book/sh	18.20
Cash/sh	-
Dividend Est.	-
Dividend TTM	0.36 (1.91%)
Dividend Ex-Date	Nov 02, 2026
Dividend Gr. 3/5Y	-10.37% 0.00%
Payout	37.24%
Employees	98
IPO	Apr 04, 2006

Ratios

P/E	16.88
Forward P/E	-
PEG	-
P/S	3.62
P/B	1.03
P/C	-
P/FCF	15.14
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.18
Debt/Eq	0.00
LT Debt/Eq	0.00
Option/Short	No / Yes

Earnings

EPS (ttm)	1.12
EPS next Y	-
EPS next Q	-
EPS this Y	-
EPS next Y	-
EPS next 5Y	-
EPS past 3/5Y	10.50% 11.35%
Sales past 3/5Y	10.49% 7.51%
EPS Y/Y TTM	24.16%
Sales Y/Y TTM	4.31%
EPS Q/Q	-1.54%
Sales Q/Q	0.87%
Earnings	Jul 22 AMC
EPS/Sales Surpr.	- -

Ownership

Insider Own	15.71%
Insider Trans	0.00%
Inst Own	29.94%
Inst Trans	-0.03%
ROA	1.13%
ROE	5.94%
ROIC	5.89%
Gross Margin	-
Oper. Margin	25.07%
Profit Margin	20.60%
SMA20	1.06%
SMA50	3.10%
SMA200	13.04%
Trades	-

Technical

Shs Outstand	7.78M
Shs Float	6.56M
Short Float	0.54%
Short Ratio	1.61
Short Interest	0.04M
52W High	19.34 -2.63%
52W Low	13.90 35.48%
Volatility	2.04% 2.54%
ATR (14)	0.48
RSI (14)	55.99
Beta	0.30
Rel Volume	0.31
Avg Volume	22.19K
Volume	4,866

Performance

Perf Week	-0.78%
Perf Month	8.48%
Perf Quarter	9.49%
Perf Half Y	19.41%
Perf YTD	28.46%
Perf Year	30.87%
Perf 3Y	154.77%
Perf 5Y	70.04%
Perf 10Y	79.30%
Recom	-
Target Price	-
Prev Close	18.96
Price	18.83
Change %	-0.68%

Peers

Mkt cap

Ticker	Company	Mkt cap
PBHC	Pathfinder Bancorp Inc	106.36M
RBKB	Rhinebeck Bancorp Inc	206.55M
FISI	Financial Institutions Inc	783.06M
PBFS	Pioneer Bancorp Inc	457.46M
GCBC	Greene Bancorp Inc	611.47M
CHMG	Chemung Financial Corp	415.73M
MGYR	Magyar Bancorp Inc	140.15M
SRBK	SR Bancorp Inc	134.69M
BSBK	Bogota Financial Corp	117.37M
HNVR	Hanover Bancorp Inc	156.30M

Ticker

Company

Mkt cap

PBHC

Pathfinder Bancorp Inc

106.36M

RBKB

Rhinebeck Bancorp Inc

206.55M

FISI

Financial Institutions Inc

783.06M

PBFS

Pioneer Bancorp Inc

457.46M

GCBC

Greene Bancorp Inc

611.47M

CHMG

Chemung Financial Corp

415.73M

MGYR

Magyar Bancorp Inc

140.15M

SRBK

SR Bancorp Inc

134.69M

BSBK

Bogota Financial Corp

117.37M

HNVR

Hanover Bancorp Inc

156.30M

Insider trading

3 filings

Insider	Relationship	Date	Transaction	Cost	Shares	Value	Total held	Form
Sanvidge Kevin M.	Chairman of the Board	Sep 08 '26	Option Exercise	10.62	14,563	154,659	71,887	Sep 09 04:30 PM
Werdein Jeffrey M.	EVP-Commercial Division	Aug 21 '26	Option Exercise	10.62	23,132	245,662	77,387	Aug 25 04:30 PM
Brautigam Sharon E	Director	Jun 04 '26	Option Exercise	7.89	1,028	8,111	24,842	Jun 04 04:30 PM

Held by

AUM

Ticker	Company	AUM
VXF	Vanguard Extended Market Index ETF	AUM: 30.47B
IWC	iShares Micro-Cap ETF	AUM: 1.22B
DFAC	U.S. Core Equity 2 Portfolio-ETF Class Shares	AUM: 49.14B
VTI	Vanguard Morningstar Total Stock Market ETF	AUM: 687.42B
BUSM	EA Bridgeway Ultra-Small Company Market ETF	AUM: 111.21M
DFMC	U.S. Micro Cap Portfolio ETF Class Shares	AUM: 212.10M
DCOR	US Core Equity 1 Portfolio ETF Class Shares	AUM: 3.65B
DFAT	U.S. Targeted Value Portfolio-ETF Class Shares	AUM: 14.47B
DXUV	US Vector Equity Portfolio ETF Class Shares	AUM: 665.71M
DFAS	U.S. Small Cap Portfolio-ETF Class Shares	AUM: 15.51B

Ticker

Company

AUM

VXF

Vanguard Extended Market Index ETF

AUM: 30.47B

IWC

iShares Micro-Cap ETF

AUM: 1.22B

DFAC

U.S. Core Equity 2 Portfolio-ETF Class Shares

AUM: 49.14B

VTI

Vanguard Morningstar Total Stock Market ETF

AUM: 687.42B

BUSM

EA Bridgeway Ultra-Small Company Market ETF

AUM: 111.21M

DFMC

U.S. Micro Cap Portfolio ETF Class Shares

AUM: 212.10M

DCOR

US Core Equity 1 Portfolio ETF Class Shares

AUM: 3.65B

DFAT

U.S. Targeted Value Portfolio-ETF Class Shares

AUM: 14.47B

DXUV

US Vector Equity Portfolio ETF Class Shares

AUM: 665.71M

DFAS

U.S. Small Cap Portfolio-ETF Class Shares

AUM: 15.51B

News

latest 14 of 200

Oct-23-26 08:34AMLake Shore Bancorp, Inc. Declares Dividend (GlobeNewswire)
Oct-21-26 04:41PMLake Shore Bancorp: Q3 Earnings Snapshot (Associated Press)
04:30PMLake Shore Bancorp, Inc. Announces Third Quarter 2026 Financial Results (GlobeNewswire)
Jul-24-26 08:30AMLake Shore Bancorp, Inc. Declares Dividend (GlobeNewswire)
Jul-22-26 04:51PMLake Shore Bancorp: Q2 Earnings Snapshot (Associated Press)
04:30PMLake Shore Bancorp, Inc. Announces Second Quarter 2026 Financial Results (GlobeNewswire)
Apr-22-26 05:02PMLake Shore Bancorp: Q1 Earnings Snapshot (Associated Press)
04:30PMLake Shore Announces First Quarter 2026 Financial Results (GlobeNewswire)
Mar-23-26 08:20AMLake Shore Bank staves off proxy war (Banking Dive)
Jan-23-26 04:15PMLake Shore Bancorp, Inc. Declares Dividend (GlobeNewswire)
Jan-21-26 04:51PMLake Shore Bancorp: Q4 Earnings Snapshot (Associated Press Finance)
04:30PMLake Shore Announces Record Earnings for 2025 (GlobeNewswire)
Dec-16-25 01:39PMAxos Financial Stock Banks On RS Rating Rise To 72 (Investor's Business Daily)
Oct-24-25 09:00AMLake Shore Bancorp, Inc. Declares Dividend (GlobeNewswire)

Key figures

Revenue, TTM	-
Net income, TTM	8.34
EPS diluted, TTM	1.12
EBIT, TTM	10.15
Free cash flow, TTM	9.68
Gross margin	-%
Operating margin	25.07%
Net margin	20.60%
Market cap	147.51
P/E	16.88
Sales Y/Y, TTM	4.31%

USD millions. TTM from the statement feed.

Quarterly earnings

actual against estimate

Period	Reported	EPS act	EPS est	EPS rep	Sales act	Sales est	Analysts
2026Q1	2026-04-22	-	-	0.261	7.36	-	-
2025Q4	2026-01-21	-	-	0.247	7.31	-	-
2025Q3	2025-10-22	-	-	0.319	7.42	-	-
2025Q2	2025-07-23	-	-	0.250	6.92	-	-

Annual earnings

Period	EPS act	EPS est	EPS rep	Sales act	Sales est
No annual earnings.

Period

EPS act

EPS est

EPS rep

Sales act

Sales est

No annual earnings.

Estimate revisions

last 14 periods

Period	Type	Date	Estimates	Up	Down	Mean	Low	High
No estimate revisions.

Period

Type

Date

Estimates

Down

Mean

Low

High

No estimate revisions.

Estimate history

Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
EPS, annual	0.407	0.485	0.503	0.565	0.776	0.717	0.608	0.647	0.967	1.1158
EPS, quarterly	0.174	0.189	0.138	0.25	0.319	0.247	0.261	0.294	0.314
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26
Sales, annual	21.936	23.907	26.747	27.438	27.646	29.215	36.445	38.029	39.402	40.5
Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Sales, quarterly	9.645	9.609	9.044	9.841	10.336	10.181	9.758	10.137	10.426
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26
Shares, annual	8.07	7.954	7.855	7.73	7.563	7.591	7.565	7.771	7.836	7.78
Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	MRQ
Shares, quarterly	7.774	7.771	7.805	7.804	7.826	7.836	7.37	7.864	7.78
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26

Income statement, annual

Currency USD, millions
Metric	TTM	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY
Interest Income	37.53	36.28	34.80	33.76	26.75	24.66	24.34	24.27	21.54
Total Interest Expense	10.22	11.72	13.74	9.40	2.42	2.67	4.40	5.20	3.60
Net Interest Income	27.32	24.57	21.06	24.36	24.34	21.99	19.93	19.07	17.93
Loan Loss Provision	0.34	-0.18	-1.48	-1.04	0.72	0.65	1.62	0.90	0.39
Net Interest Income After Loan Loss Provision	26.98	24.75	22.54	25.40	23.61	21.34	18.31	18.17	17.54
Non-Interest Income	2.97	3.12	3.23	2.69	2.46	2.99	3.10	2.48	2.37
Non-Interest Expense	19.79	19.12	19.91	21.88	19.22	16.91	16.10	15.96	15.47
Operating Income	10.15	8.75	5.86	6.21	6.86	7.42	5.31	4.69	4.44
Unusual Expense	0.00	-0.00	-0.01	-0.01	-0.01	-0.06	-0.07	-0.05	-0.14
Net Income Before Taxes	10.16	8.75	5.87	6.22	6.87	7.47	5.38	4.74	4.58
Income Taxes	1.81	1.48	0.94	1.40	1.16	1.29	0.82	0.66	0.58
Consolidated Net Income	8.34	7.27	4.93	4.82	5.71	6.19	4.56	4.09	4.00
Net Income From Continuing Operations	8.34	7.27	4.93	4.82	5.71	6.19	4.56	4.09	4.00
Net Income	8.34	7.27	4.93	4.82	5.71	6.19	4.56	4.09	4.00
EPS (Recurring)	1.13	0.97	0.65	0.61	0.72	0.77	0.56	0.50	0.47
EPS (Basic, Before Extraordinaries)	1.12	0.97	0.65	0.61	0.72	0.78	0.56	0.50	0.49
EPS (Diluted)	1.12	0.97	0.65	0.61	0.72	0.78	0.56	0.50	0.49
Non-Operating Income (Expense)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other After Tax Adjustments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Stock Option Compensation Expense	0.63	0.44	0.27	0.08	0.26	0.19	0.16	0.03	0.04
Price To Earnings Ratio	17.05	17.05	16.07	12.96	11.11	14.07	16.90	22.42	22.91
Price To Sales Ratio	3.30	2.80	2.03	1.88	2.43	3.17	2.82	3.44	3.87
Operating Margin	25.07	22.20	15.41	17.04	23.46	26.82	19.35	17.53	18.57
Net Margin	20.60	18.45	12.97	13.23	19.54	22.38	16.61	15.28	16.73
Shares Outstanding	7.78	7.84	7.77	7.57	7.59	7.56	7.73	7.86	7.95
Market Capitalization	147.51	147.51	78.82	66.64	67.55	83.17	74.17	88.71	88.41

Income statement, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4
Interest Income	9.63	9.39	9.05	9.46	9.35	9.11	8.37	8.59
Total Interest Expense	2.49	2.50	2.40	2.83	3.00	2.98	2.90	3.25
Net Interest Income	7.14	6.89	6.66	6.62	6.36	6.12	5.46	5.34
Loan Loss Provision	0.29	0.12	-0.11	0.04	-0.27	0.00	0.05	-0.61
Net Interest Income After Loan Loss Provision	6.85	6.77	6.77	6.58	6.62	6.12	5.42	5.95
Non-Interest Income	0.79	0.75	0.70	0.72	0.98	0.73	0.68	1.02
Non-Interest Expense	4.84	4.87	5.12	4.96	4.76	4.56	4.83	5.23
Operating Income	2.81	2.65	2.35	2.35	2.85	2.30	1.26	1.75
Unusual Expense	0.00	0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00
Net Income Before Taxes	2.81	2.65	2.35	2.35	2.85	2.30	1.26	1.75
Income Taxes	0.49	0.48	0.43	0.41	0.49	0.38	0.21	0.28
Consolidated Net Income	2.31	2.17	1.92	1.93	2.36	1.92	1.06	1.47
Net Income From Continuing Operations	2.31	2.17	1.92	1.93	2.36	1.92	1.06	1.47
Net Income	2.31	2.17	1.92	1.93	2.36	1.92	1.06	1.47
EPS (Recurring)	0.31	0.29	0.26	0.25	0.32	0.25	0.14	0.19
EPS (Basic, Before Extraordinaries)	0.31	0.29	0.26	0.25	0.32	0.25	0.14	0.19
EPS (Diluted)	0.31	0.29	0.26	0.25	0.32	0.25	0.14	0.19
Non-Operating Income (Expense)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other After Tax Adjustments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Stock Option Compensation Expense	0.17	0.17	0.16	0.14	0.13	0.08	0.09	0.09
Price To Earnings Ratio	17.05	16.54	15.92	16.37	17.31	15.52	18.18	16.07
Price To Sales Ratio	3.30	3.26	2.79	2.92	2.48	2.35	2.36	2.07
Operating Margin	26.92	26.14	24.11	23.03	27.53	23.33	13.95	18.16
Net Margin	22.19	21.44	19.71	19.00	22.82	19.50	11.69	15.29
Shares Outstanding	7.78	7.86	7.37	7.84	7.83	7.80	7.81	7.77
Market Capitalization	147.51	131.24	118.95	112.99	100.19	91.00	91.02	78.82

Balance sheet, annual

Currency USD, millions
Metric	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY	2017FY
Cash & Due from Banks	3.04	2.71	4.65	9.09	37.53	7.87	7.88	8.88	7.71
Investments	118.06	88.07	111.82	76.19	120.47	116.30	95.66	109.61	115.26
Net Loans	555.44	544.62	555.83	573.54	517.21	524.14	470.82	392.47	365.06
Investment in Unconsolidated Affiliates	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Customer Liability on Acceptances	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Real Estate Assets	0.00	0.00	0.03	0.10	0.12	0.06	0.78	0.68	0.43
Net Property, Plant & Equipment	7.81	8.16	8.10	8.66	9.25	9.62	10.19	9.42	9.37
Interest Receivables	3.01	2.82	2.83	2.80	2.48	2.99	2.15	1.91	1.80
Deferred Tax Assets	3.59	3.92	3.89	3.97	0.78	0.68	0.41	0.69	0.60
Other Intangible Assets	36.39	35.21	37.96	25.57	25.90	24.55	22.98	22.05	18.74
Total Assets	727.32	685.50	725.12	699.91	713.74	686.20	610.87	545.71	518.98
Total Deposits	573.28	572.98	590.92	570.12	593.18	560.26	483.48	432.46	405.15
Total Debt	1.05	11.57	35.97	38.49	23.11	30.44	35.39	25.45	27.79
Long Term Debt	0.73	3.02	10.67	20.66	20.81	22.51	29.17	19.07	23.87
Provision for Risks Charges	3.49	3.18	3.12	3.05	3.08	3.10	3.13	3.30	2.65
Other Liabilities	7.86	7.91	8.83	7.07	6.39	6.48	6.03	4.70	5.01
Total Liabilities	585.68	595.64	638.85	618.73	625.76	600.28	528.03	465.90	440.60
Preferred Stock - Carrying Value	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Common Equity	141.64	89.87	86.27	81.18	87.98	85.92	82.84	79.80	78.38
Total Shareholders Equity	141.64	89.87	86.27	81.18	87.98	85.92	82.84	79.80	78.38
Accumulated Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	141.64	89.87	86.27	81.18	87.98	85.92	82.84	79.80	78.38
Total Liabilities & Stockholders Equity	727.32	685.50	725.12	699.91	713.74	686.20	610.87	545.71	518.98
Book Value Per Share	18.08	11.56	11.40	10.70	11.63	11.12	10.55	10.03	9.71
Tangible Book Value Per Share	18.08	11.56	11.40	10.70	11.63	11.12	10.55	10.03	9.71
Tier 1 Capital	124.70	97.24	-	-	84.25	80.63	78.14	76.22	73.92
Tier 2 Capital	-	-	-	-	-	-	4.26	3.44	3.29
Full-Time Employees	98	93	117	120	107	111	110	115	114
Price to Book Ratio	1.05	0.88	0.81	0.74	0.95	0.86	1.07	1.11	1.32
Return on Assets	1.03	0.70	0.68	0.81	0.88	0.70	0.71	0.75	0.67
Return on Equity	6.28	5.60	5.76	6.75	7.12	5.40	5.03	5.06	4.38
Return on Invested Capital	5.11	5.31	4.97	5.60	5.69	4.20	3.65	4.05	3.30
Current Ratio	0.17	0.07	0.12	0.03	0.18	0.13	0.12	0.14	0.20

Cash flow, annual

Currency USD, millions
Metric	TTM	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY
Funds from Operations	9.19	7.25	3.94	4.66	7.26	8.30	7.04	6.36	6.03
Extraordinary Item	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Changes in Working Capital	0.62	0.75	-1.43	1.55	0.88	0.25	-1.44	-0.52	0.08
Cash from Operating Activities	9.82	8.00	2.51	6.21	8.14	8.55	5.60	5.84	6.11
Capital Expenditures	-2.13	-2.56	0.00	-12.99	-0.41	-0.63	-0.40	-0.81	-3.82
Net Assets From Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Sale of Fixed Assets and Businesses	0.00	0.00	0.04	0.00	0.00	0.00	0.00	0.00	0.00
Purchase or Sale of Investments	4.46	3.31	3.25	13.98	1.69	-10.97	-6.37	16.64	-5.23
Purchase of Investments	-0.25	0.00	0.00	0.00	-6.14	-29.96	-27.96	-2.27	-16.17
Sale Or Maturity of Investments	4.71	3.31	3.25	13.98	7.83	18.99	21.59	18.91	10.94
Other Uses	0.00	0.00	-3.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Sources	0.45	1.61	7.67	0.64	0.00	0.00	0.00	0.00	0.00
Cash from Investing Activities	-19.46	-8.13	21.12	19.52	-57.20	-5.74	-62.14	-64.73	-39.09
Cash Dividends Paid	-2.65	-1.68	-1.08	0.00	-1.44	-1.08	-1.02	-1.27	-0.88
Change in Capital Stock	-1.81	43.19	-0.02	-0.06	-0.09	-2.25	-1.59	-1.41	-1.45
Repurchase of Common Pref Stock	-2.00	-0.05	-0.02	-0.06	-0.09	-2.25	-1.59	-1.42	-1.45
Sale of Common Pref Stock	0.19	43.24	0.00	0.00	0.00	0.00	0.00	0.01	0.00
Proceedsfrom Stock Options	-0.00	43.24	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Issuance or Reduction of Debt, Net	-2.11	-10.35	-25.09	-2.38	15.60	-7.80	-4.90	10.00	-2.30
Change in Long Term Debt	-2.11	-10.35	-25.09	10.22	3.00	-7.80	-4.90	10.00	-2.30
Issuance of Long Term Debt	0.00	0.00	0.00	15.25	5.00	0.00	1.20	16.25	1.50
Reduction of Long Term Debt	-2.11	-10.35	-25.09	-5.03	-2.00	-7.80	-6.10	-6.25	-3.80
Net Financing Active Other Cash Flow	0.25	-0.18	-0.08	-0.00	0.11	0.01	-0.05	0.10	0.13
Other Financing Activities Uses	-	-0.18	-0.08	-0.00	-	-	-0.05	-	-
Cash from Financing Activities	-16.31	31.28	-44.22	18.37	-8.88	21.80	69.22	58.43	22.81
Net Change in Cash	-25.95	31.15	-20.60	44.10	-57.95	24.61	12.69	-0.46	-10.16
Free Cash Flow	9.68	7.44	2.51	5.81	7.73	7.92	5.20	5.03	5.30
Preferred Dividends (Cash Flow)	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Free Cash Flow	19.02	19.13	54.18	11.79	11.28	12.83	18.50	24.50	20.95
Federal Home Loan Advances Increase (Decrease)	-	0.48	1.14	0.04	-0.72	0.30	0.15	-0.51	0.09

Balance sheet, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2
Cash & Due from Banks	3.57	3.07	2.95	3.04	3.30	2.93
Investments	103.01	123.40	113.52	118.06	137.15	128.53
Net Loans	574.09	558.32	553.88	555.44	552.61	552.39
Investment in Unconsolidated Affiliates	0.00	0.00	0.00	0.00	0.00	0.00
Net Property, Plant & Equipment	6.78	6.86	6.92	7.81	7.22	7.33
Interest Receivables	3.20	2.96	3.00	3.01	3.00	2.88
Deferred Tax Assets	-	-	-	3.59	-	-
Other Intangible Assets	43.54	41.99	41.75	36.39	39.52	40.79
Total Assets	734.24	736.65	722.01	727.32	742.80	734.84
Total Deposits	580.35	578.24	566.62	573.28	590.35	627.50
Total Debt	0.00	0.00	0.00	1.05	2.00	2.00
Long Term Debt	0.00	0.00	0.00	0.73	2.00	2.00
Provision for Risks Charges	0.26	0.49	0.33	3.49	0.34	0.32
Other Liabilities	12.04	13.16	12.69	7.86	10.81	12.13
Total Liabilities	592.65	591.89	579.63	585.68	603.50	641.95
Preferred Stock - Carrying Value	0.00	0.00	0.00	0.00	0.00	0.00
Common Equity	141.59	144.76	142.38	141.64	139.31	92.88
Total Shareholders Equity	141.59	144.76	142.38	141.64	139.31	92.88
Accumulated Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	141.59	144.76	142.38	141.64	139.31	92.88
Total Liabilities & Stockholders Equity	734.24	736.65	722.01	727.32	742.80	734.84
Book Value Per Share	18.20	18.41	19.32	18.08	17.80	11.90
Tangible Book Value Per Share	18.20	18.41	19.32	18.08	17.80	11.90
Tier 1 Capital	-	-	-	124.70	-	-
Full-Time Employees	-	-	-	98	-	-
Price to Book Ratio	1.05	0.92	0.84	0.82	1.09	0.98
Return on Assets	1.13	1.14	1.15	1.03	0.94	0.80
Return on Equity	5.94	7.06	6.98	6.28	5.94	6.43
Return on Invested Capital	1.63	1.50	1.35	1.36	1.67	2.02
Current Ratio	0.18	0.24	0.21	0.17	0.26	0.24

Cash flow, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2
Funds from Operations	2.63	2.39	1.97	2.21	1.93	2.00
Extraordinary Item	0.00	0.00	0.00	0.00	0.00	0.00
Changes in Working Capital	-0.09	-0.05	0.82	-0.06	1.41	-0.21
Cash from Operating Activities	2.54	2.34	2.79	2.15	3.34	1.79
Capital Expenditures	-0.06	-0.08	-0.01	-1.98	-0.04	-0.39
Net Assets From Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00
Sale of Fixed Assets and Businesses	0.00	0.00	0.00	0.00	0.00	0.00
Purchase or Sale of Investments	1.19	1.21	1.07	0.99	0.79	0.80
Purchase of Investments	0.00	-0.25	0.00	0.00	0.00	0.00
Sale Or Maturity of Investments	1.19	1.46	1.07	0.99	0.79	0.80
Other Uses	0.00	0.00	0.00	0.00	0.00	0.00
Other Sources	0.00	0.00	0.00	0.45	0.51	0.00
Cash from Investing Activities	-15.28	-3.43	2.60	-3.36	1.16	-0.32
Cash Dividends Paid	-0.66	-0.66	-0.66	-0.66	-0.66	0.00
Preferred Dividends (Cash Flow)	0.00	0.00	0.00	0.00	0.00	0.00
Change in Capital Stock	-1.76	-0.01	-0.03	-0.00	43.24	-0.02
Repurchase of Common Pref Stock	-1.91	-0.05	-0.03	-0.00	0.00	-0.02
Sale of Common Pref Stock	0.15	0.04	0.00	-0.00	43.24	0.00
Proceedsfrom Stock Options	0.00	0.00	0.00	-0.00	43.24	0.00
Issuance or Reduction of Debt, Net	-0.03	-0.03	-0.03	-2.03	-0.03	-2.02
Change in Long Term Debt	-0.03	-0.03	-0.03	-2.03	-0.03	-2.02
Issuance of Long Term Debt	0.00	0.00	0.00	0.00	0.00	0.00
Reduction of Long Term Debt	-0.03	-0.03	-0.03	-2.03	-0.03	-2.02
Net Financing Active Other Cash Flow	-1.47	0.80	-0.69	1.61	-1.63	0.74
Other Financing Activities Uses	-	-	-0.69	1.61	-1.63	0.74
Cash from Financing Activities	-1.81	11.72	-8.07	-18.15	3.78	43.47
Net Change in Cash	-14.55	10.63	-2.67	-19.36	8.27	44.94
Free Cash Flow	2.47	2.26	2.78	2.17	3.30	1.41
Price to Free Cash Flow	19.02	16.74	14.57	19.94	13.20	31.28

Revenue breakdown

Savings Institution, Federally Chartered	2024: 24.37M 2025: 27.84M
United States	2024: 24.37M 2025: 27.84M

Short interest

shares short against float, oldest to newest

Settlement	Of float	Shares short	Float	Avg volume
2026-10-30	0.54%	0.0M	6.6M	21.54K
2026-10-15	0.36%	0.0M	6.6M	19.69K
2026-09-30	0.42%	0.0M	6.6M	17.72K
2026-09-15	0.28%	0.0M	6.6M	12.22K
2026-08-31	0.20%	0.0M	6.6M	8.80K
2026-08-14	0.21%	0.0M	6.6M	9.92K
2026-07-31	0.24%	0.0M	6.2M	9.76K
2026-07-15	0.29%	0.0M	6.2M	9.05K
2026-06-30	0.26%	0.0M	6.2M	9.01K
2026-06-15	0.26%	0.0M	6.2M	10.28K
2026-05-29	0.29%	0.0M	6.2M	11.16K
2026-05-15	0.23%	0.0M	6.2M	10.14K
2026-04-30	0.24%	0.0M	6.7M	9.63K
2026-04-15	0.31%	0.0M	6.7M	9.52K
2026-03-31	0.48%	0.0M	4.0M	9.61K
2026-03-13	0.23%	0.0M	4.0M	8.10K
2026-02-27	0.28%	0.0M	4.0M	8.32K
2026-02-13	0.24%	0.0M	4.0M	10.01K
2026-01-30	0.29%	0.0M	4.1M	13.79K
2026-01-15	0.31%	0.0M	4.3M	17.56K

Option chain

expiry 2026-11-11

Type	Strike	Bid	Ask	Last	IV	Open int	Volume	Delta	Theta	Vega
No option chain for this symbol.

Type

Strike

Bid

Ask

Last

Open int

Volume

Delta

Theta

Vega

No option chain for this symbol.

Latest SEC filings

Filed	Form	Description	Period	Link
2026-11-10	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-09-30	SEC
2026-10-23	8-K	Current report	2026-10-21	SEC
2026-10-21	8-K	Current report	2026-10-21	SEC
2026-09-09	4	Statement of changes in beneficial ownership of securities	2026-09-08	SEC
2026-08-25	4	Statement of changes in beneficial ownership of securities	2026-08-21	SEC
2026-08-11	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-06-30	SEC
2026-07-24	8-K	Current report	2026-07-22	SEC
2026-07-22	8-K	Current report	2026-07-22	SEC
2026-06-04	4	Statement of changes in beneficial ownership of securities	2026-06-04	SEC
2026-05-20	8-K	Current report	2026-05-20	SEC
2026-05-20	8-K	Current report	2026-05-20	SEC
2026-05-18	SCHEDULE 13G			SEC
2026-05-12	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-03-31	SEC
2026-04-24	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-24	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-24	8-K	Current report	2026-04-22	SEC
2026-04-22	8-K	Current report	2026-04-22	SEC
2026-04-07	DEF 14A	Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934	2026-04-07	SEC
2026-04-07	ARS	Annual report to security holders.	2025-12-31	SEC
2026-03-24	3	Initial statement of beneficial ownership of securities	2026-03-17	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC
2026-03-20	4	Statement of changes in beneficial ownership of securities	2026-03-18	SEC

Insider activity by month

Month	Bought	Buys	Sold	Sells
2026-11	0	0	0	0
2026-10	0	0	0	0
2026-09	0	0	0	0
2026-08	0	0	0	0
2026-07	0	0	0	0
2026-06	0	0	0	0
2026-05	0	0	0	0
2026-04	0	0	0	0
2026-03	0	0	0	0
2026-02	0	0	0	0
2026-01	0	0	0	0
2025-12	0	0	0	0
2025-11	0	0	0	0

Institutional holders

Manager	% owned
Stilwell Value LLC	10.50%
ALLIANCEBERNSTEIN L.P.	6.87%
Oppenheimer & Close, LLC	2.35%
MANGROVE PARTNERS IM, LLC	2.04%
HBK Sorce Advisory LLC	1.08%
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC	1.07%
RENAISSANCE TECHNOLOGIES LLC	0.89%
Peapod Lane Capital LLC	0.85%
GEODE CAPITAL MANAGEMENT, LLC	0.71%
DIMENSIONAL FUND ADVISORS LP	0.62%

Funds

Fund	% owned
VANGUARD EXTENDED MARKET INDEX FUND	0.33%
iShares Micro-Cap ETF	0.31%
U.S. CORE EQUITY 2 PORTFOLIO	0.15%
Ultra-Small Company Market Fund	0.14%
Fidelity Extended Market Index Fund	0.11%
U.S. MICRO CAP PORTFOLIO	0.08%
Fidelity Total Market Index Fund	0.07%
U.S. CORE EQUITY 1 PORTFOLIO	0.07%
Dimensional U.S. Core Equity 2 ETF	0.06%
Fidelity Nasdaq Composite Index Fund	0.06%

Dividends

per share

Ex date	Ordinary	Special
2026-11-02	0.0900	0.0000
2026-08-03	0.0900	0.0000
2026-05-04	0.0900	0.0000
2026-02-02	0.0900	0.0000
2025-11-03	0.0900	0.0000
2025-08-04	0.0900	0.0000
2025-02-10	0.1330	0.0000
2024-11-04	0.1330	0.0000
2024-08-12	0.1330	0.0000
2024-05-03	0.1330	0.0000
2022-11-03	0.1330	0.0000
2022-08-01	0.1330	0.0000
2022-05-06	0.1180	0.0000
2022-02-23	0.1180	0.0000
2021-11-08	0.1030	0.0000
2021-08-04	0.1030	0.0000
2021-05-07	0.0960	0.0000
2021-02-25	0.0960	0.0000
2020-11-04	0.0960	0.0000
2020-08-05	0.0890	0.0000
2020-05-06	0.0890	0.0000
2020-02-21	0.0890	0.0000
2019-11-06	0.0890	0.0000
2019-08-02	0.0890	0.0000
2019-05-03	0.0890	0.0000
2019-02-20	0.0890	0.0000
2018-11-05	0.0740	0.0000
2018-08-02	0.0740	0.0000
2018-05-04	0.0740	0.0000
2018-02-26	0.0740	0.0000
2017-11-02	0.0590	0.0000
2017-08-08	0.0590	0.0000
2017-05-09	0.0590	0.0000
2017-02-16	0.0590	0.0000
2016-11-04	0.0520	0.0000

Period	Amount	Yield	Payout	Kind
2015FY	0.1040	1.05%	-%	paid
2016FY	0.2100	1.73%	47.98%	paid
2017FY	0.2400	1.87%	57.97%	paid
2018FY	0.3000	2.63%	60.85%	paid
2019FY	0.3500	3.13%	70.50%	paid
2020FY	0.3600	3.77%	64.03%	paid
2021FY	0.4000	3.62%	51.39%	paid
2022FY	0.5000	5.63%	70.04%	paid
2023FY	0.0000	0.00%	0.00%	paid
2024FY	0.4000	3.93%	61.57%	paid
2025FY	0.3600	2.46%	37.24%	paid

OakChart. LSBK. Cached 15 minutes.

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