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LSBK

Lake Shore BancorpD
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
Defensive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-28.
What can break
Competition and challenging loan pricing could compress NIM and net interest income.
Momentum
80
Value
46
Sentiment
48
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.
Earnings
2026-10-28
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Why
Momentum80 · Δ7d -
Value46 · Δ7d +0.1
Sentiment48 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-28.
  • • Value remains the lead driver in the composite, 7D delta +0.1.

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

2026-10-28

Q2 2026 earnings showed continued operating improvement

Lead driver: Value · See fundamentals
Momentum
80
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
46
47% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+0.1
Sentiment
48
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade D. Momentum 79.8 / Value 46.4 / Sentiment 47.6

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 2026-10-23
Market Cap
$146.16M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data