LSBK
Lake Shore BancorpBNasdaq / Banks
Last Price
At close
2026-07-20
Current thesis
The T+1 earnings read is directionally constructive: Q1 profit rose sharply year over year, NIM expanded, efficiency improved, non-performing assets remained low, and management said the bank stayed well capitalized [#8-K-2026-04-22]. With book value at $18.11 per share and the anchor price at $15.89, the stock still trades below stated book value.
Posture
Constructive
Lead driver
Momentum
What changed
Next scheduled catalyst: earnings 2026-07-21.
What can break
Management explicitly cited intense competition and a challenging loan-pricing environment, which can cap loan growth and compress spreads if pricing discipline weakens [#8-K-2026-04-22].
Momentum
80
Value
47
Sentiment
45
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $15.25 · Bull $17.25 · Bear $13.75
Earnings
2026-07-21
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-20
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum80 · Δ7d -
Value47 · Δ7d -0.1
Sentiment45 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
80
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
47
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.0
Sentiment
45
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 79.8 / Value 47.0 / Sentiment 44.6
Fundamentals (TTM)As of 2026-07-20
Fundamentals (TTM)
As of 2026-07-20
Market Cap
$132.35M
Beta
0.32
Shares Out
7.37M
P/E (TTM)
16.4
P/S (TTM)
4.27
P/FCF (TTM)
15.81
Rev YoY
+7.9%
EPS YoY
+89.2%
Gross Margin
-
Op Margin
+30.3%
Net Debt
-$1.98M
Current Ratio
0.21
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology