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LSBK

Lake Shore BancorpC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Improving net interest income, NIM, efficiency, profitability, asset quality, and capital could support a move toward book value if sustained. Q2 book value per share was $18.41 versus the $17.08 anchor price.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Competition and challenging loan pricing could compress NIM and net interest income.
Momentum
80
Value
48
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $16.55 · Bull $19.25 · Bear $13.75Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum80 · Δ7d -
Value48 · Δ7d -0.0
Sentiment54 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Competition and challenging loan pricing could compress NIM and net interest income.
  • • Credit metrics improved, but future asset quality and reserves remain monitoring risks.
  • • The deterministic prior remains negative, with expected returns of -2.96% over five days and -8.44% over 20 days.

Catalyst clock

2026-07-22

Q2 2026 earnings showed continued operating improvement

Lead driver: Sentiment · See AI snapshot
Momentum
80
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
48
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
54
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 79.8 / Value 47.7 / Sentiment 53.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
0%
Probability
Target price
$19.25
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
0%
Probability
Target price
$16.55
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
0%
Probability
Target price
$13.75
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$134.89M
Beta
0.32
Shares Out
7.85M
P/E (TTM)
16.4
P/S (TTM)
4.27
P/FCF (TTM)
15.81
Rev YoY
+3.0%
EPS YoY
+17.7%
Gross Margin
-
Op Margin
+25.2%
Net Debt
-$1.98M
Current Ratio
0.24
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data