Lake Shore Bancorp, Inc. /MD/(LSBK)Stock Analysis
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Not in ranked universe
Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 30 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
LSBK Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Lake Shore Bancorp, Inc. /MD/ (LSBK), a Financials sector company. LSBK is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 30 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), Lake Shore Bancorp, Inc. /MD/ reports quarterly revenue of $7.4M, net income of $1.9M, free cash flow of $2.8M. Top institutional holders of LSBK by reported 13-F value include Stilwell Value, ALLIANCEBERNSTEIN L.P., Oppenheimer & Close,, based on the most recent SEC filings. LSBK trades on the Nasdaq exchange and files with the SEC under CIK 2059653. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate LSBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Lake Shore Bancorp, Inc. /MD/ directly from SEC EDGAR.
Revenue
Q1 2026
$7.4M
Net Income
Q1 2026
$1.9M
Free Cash Flow
Q1 2026
$2.8M
ROIC
Q1 2026
1.7%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+47.4% YoYEPS (Diluted)
+49.2% YoYTotal Assets
+6.1% YoYTotal Debt
-100.0% YoYOp. Cash Flow
+218.9% YoY| Metric | FY 2025 | FY 2024 |
|---|---|---|
| Net Income | $7.3M +47.4% | $4.9M |
| EPS (Diluted) | $0.97 +49.2% | $0.65 |
| Total Assets | $727.3M +6.1% | $685.5M |
| Total Debt | $0.00 -100.0% | $10.3M |
| Operating Cash Flow | $8.0M +218.9% | $2.5M |
AI Insight: LSBK Financial Trends
Equity base stabilized near $142M while debt was nearly eliminated, but profitability and cash generation remain flat.
• Equity grew from $93M in Q2 2025 to $142M by Q1 2026, a 53% increase driven by retained earnings.
• Total debt declined from $2M to $0M between Q4 2025 and Q1 2026, eliminating leverage entirely.
• Net income and operating cash flow stalled at $2M and $2–3M respectively across four consecutive quarters.
⚠ Revenue data absent across all periods — unable to assess top-line health or growth trajectory.
⚠ Operating cash flow ($2–3M) barely covers net income ($2M), signaling potential working-capital constraints.
AI Insight: LSBK Ratio Trends
LSBK's profitability metrics have deteriorated steadily since Q3 2025, with ROE falling from 6.8% to 5.4% and ROIC contracting from 8.1% to 6.6%.
• ROE declined 140 bps from Q3 2025 (6.8%) to Q1 2026 (5.4%), signaling persistent weakness in shareholder returns.
• ROA compressed to 1.1% in Q4 2025 and Q1 2026, down from 1.3% in Q3 2025, reflecting tighter net margins.
• Leverage remains minimal; D/E near zero across recent quarters, providing defensive balance-sheet positioning.
⚠ ROIC fell 150 bps in two quarters (Q3 to Q1 2026), now at 6.6%—monitor whether stabilization or further decline emerges.
⚠ Sustained single-digit ROE and ROA suggest structural profitability headwinds; track asset quality and margin trends.
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Available Research
13F Pro tracks comprehensive data for Lake Shore Bancorp, Inc. /MD/ including:
Top Institutional Holders of LSBK
Stilwell Value LLC
$11.7M773,675 shALLIANCEBERNSTEIN L.P.
$6.6M448,959 shOppenheimer & Close, LLC
$2.7M180,000 shMANGROVE PARTNERS IM, LLC
$2.3M150,585 shHBK Sorce Advisory LLC
$1.4M88,078 shGRAHAM CAPITAL WEALTH MANAGEMENT, LLC
$1.1M75,190 shRENAISSANCE TECHNOLOGIES LLC
$1.0M69,041 shPeapod Lane Capital LLC
$1.0M68,943 shRAYMOND JAMES FINANCIAL INC
$801.6K52,804 shDIMENSIONAL FUND ADVISORS LP
$693.8K45,709 sh
| Fund | Value | Shares |
|---|---|---|
| Stilwell Value LLC | $11.7M | 773,675 |
| ALLIANCEBERNSTEIN L.P. | $6.6M | 448,959 |
| Oppenheimer & Close, LLC | $2.7M | 180,000 |
| MANGROVE PARTNERS IM, LLC | $2.3M | 150,585 |
| HBK Sorce Advisory LLC | $1.4M | 88,078 |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $1.1M | 75,190 |
| RENAISSANCE TECHNOLOGIES LLC | $1.0M | 69,041 |
| Peapod Lane Capital LLC | $1.0M | 68,943 |
| RAYMOND JAMES FINANCIAL INC | $801.6K | 52,804 |
| DIMENSIONAL FUND ADVISORS LP | $693.8K | 45,709 |
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Popular Research
Is LSBK a good stock to buy?
13F Pro's AI-powered analysis of Lake Shore Bancorp, Inc. /MD/ (LSBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for LSBK are available on the LSBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own LSBK?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling LSBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Lake Shore Bancorp, Inc. /MD/'s investment landscape.