LSBK · Lake Shore Bancorp, Inc. /MD/
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on Jul 21, 2025; bars on opposite sides are not compared.
Up next
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses on loans as a percent of loans at amortized cost | 0.84% | June 30, 2026 | — |
| Allowance for credit losses on loans as a percent of non-performing loans | 331.85% | June 30, 2026 | — |
| Annualized return on average assets | 1.19% | quarter ended June 30, 2026 | — |
|
|
|||
| Average interest-earning assets to average interest-bearing liabilities | 140.83% | Three Months Ended June 30, 2026 | — |
| Book value per share | $18.41 | June 30, 2026 | — |
| Common stock, number of shares outstanding | 7,863,818 | June 30, 2026 | — |
| Efficiency ratio | 63.77% | quarter ended June 30, 2026 | — |
|
|
|||
| Net interest margin | 4.06% | second quarter of 2026 | — |
|
|
|||
| Non-performing assets as a percentage of total assets | 0.2% | June 30, 2026 | — |
| Non-performing loans as a percent of loans at amortized cost | 0.25% | June 30, 2026 | — |
| Tier 1 Leverage ratio | 17.43% | June 30, 2026 | — |
| Tier 1 leverage ratio (Bank-only) | 17.43% | June 30, 2026 | — |
| Total Risk-Based Capital ratio | 24.04% | June 30, 2026 | — |
| Total risk-based capital ratio (Bank-only) | 24.04% | June 30, 2026 | — |
| Uninsured deposits as a percentage of total deposits | 10.9% | June 30, 2026 | — |
| Interest rate spread | 3.13% | the year ended December 31, 2025 | — |
| Return on average equity | 6.41% | the year ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
LSBK
this stock
Lake Shore Bancorp, Inc. /MD/
|
$135.40M | +17.6% | — | 15.3 | 0.2% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
Raw-price comparisons begin at the captured split on Jul 21, 2025; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| LSBK | +0.2% | +1.3% | +11.4% | +0.4% | +17.6% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +2.2% | -2.0% | +0.2% | -1.7% | +5.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.