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Lake Shore Bancorp, Inc (LSBK) Fair Value & Analysis

Financial Services · US · Market cap $137M

Price$16.86
Fair Value$12.02
Upside-28.7%
Quality95/100
Evidence: High Range $9.01 – $15.02

Fair value as of: Jun 26, 2026

Analysis

Lake Shore Bancorp, Inc (LSBK) currently trades at $16.86, while our model-based Fair Value estimate is $12.02 — implying the stock looks roughly 28.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lin…

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Frequently asked questions

Is Lake Shore Bancorp, Inc (LSBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $12.02 versus a price of $16.86 — about −29% (overvalued). Model-based estimate, not financial advice.
What is the fair value of LSBK?
Our 21-model fair value for Lake Shore Bancorp, Inc is $12.02 (as of Jun 26, 2026), built from audited fundamentals. The current price is $16.86.
What is the quality score of LSBK?
Lake Shore Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.