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Stock Ratings / Financials / LSBK
MGYR (73) FGBI (39) RVSB (58) BVFL (67) ⌘ Pro Terminal →

Lake Shore Bancorp Inc. (LSBK) — RQD Stock Rating Cockpit

$18.75 +0.81% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.74

Lake Shore Bancorp Inc. (LSBK) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $146.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LSBK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LSBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Lake Shore Bancorp Inc. (NASDAQ: LSBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $18.75 (+0.81% 1D, market cap $146.8M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, LSBK ranks #182 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LSBK compare to MGYR and FGBI in the Financials sector?
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Within the Financials sector (Savings Institutions), LSBK carries a Roarable C+ (67/100 RQD), trailing P/E of 20.6x, gross margin of —, and ROIC of 5.1%. By comparison, MGYR (Magyar Bancorp Inc.) holds a B grade (73/100 RQD, P/E 13.4x, ROIC 8.0%, cap $144.0M) and FGBI (First Guaranty Bancshares Inc.) posts a D- grade (39/100 RQD, P/E N/A, ROIC -16.1%, cap $158.6M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LSBK?
▼

Per LSBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002059653), Lake Shore Bancorp Inc. generated $305.5M in revenue (+6.1% YoY), $7.3M in net income, and $8.0M in free cash flow against $727.3M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $18.74 (-0.04%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 2.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510067
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk C+
Cash (13)Whales (13)SEC (13)Macro (14)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+4.1% Base Target
$23 Bull$20 Base$15 Bear
📬 FREE LSBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LSBK)Realized 20D OHLCV Swing Band: ±4.8%
Deterministic 5-Pillar Attribution (67/100 Composite)
🔍 WHY LSBK SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (21% of score)

FRED Regime × Technicals: 89% of 52W Range • RSI-14 at 55.2 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
59
Grade C$17.36+3.9% Next Q
Q2 (-2Q)
62
Grade C+$18.03+4% Next Q
Q3 (-1Q)
64
Grade C+$18.75+0% Next Q
Current
67
Grade C+$18.75+1.6% Hist 90D α
Trajectory: C (59) → C+ (67)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LSBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, LSBK faces multiple-compression risk if 20.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($18.08) or 200D SMA ($16.56) invalidates the momentum regime and cuts Target Base ($19.51) toward Bear Floor ($15.22).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LSBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “LSBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
55.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE89% OF RANGE
L: $14$18.75H: $19
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on LSBK

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

5.1% ROIC with 42.0% gross margin and 5.35% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (68)

27/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like LSBK
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (LSBK Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
LSBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.00%▲ ASCENDING CHANNEL
2026-11-03O $19.04H $19.04L $18.69C $18.75VOL 15.7K
RES: $19.87SUP: $17.13SMA50: $18.08SMA200: $16.56
$19.69$18.22$16.75$15.28$13.81RES $19.87SUP $17.13$18.752026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LSBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LSBK Butterfly Map → + Track LSBK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
14.2%/yr Implied 5Y Growth

vs. +6.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on LSBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LSBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LSBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LSBK)

Financials Rank #182 of 1097 ⚔️ MGYR vs LSBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (LSBK vs. MGYR, FGBI, RVSB, BVFL)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Lake Shore Bancorp Inc. (LSBK) ranks #182 by composite RQD confidence (67/100, grade C+) and #929 by equity capitalization ($146.8M). Within this direct 5-issuer industry benchmark cohort, MGYR leads on earnings valuation at 13.4x trailing P/E, while MGYR leads on capital efficiency and profitability with 8.0% ROIC and — gross margin. MGYR currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with LSBK at 67/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
LSBK ACTIVE
Lake Shore Bancorp Inc.
C+ 67/100 20.6x — 5.1% +0.81% $146.8M Benchmark Subject
MGYR
Magyar Bancorp Inc.
B 73/100 13.4x — 8.0% +1.17% $144.0M /mgyr-vs-lsbk →
FGBI
First Guaranty Bancshares Inc.
D- 39/100 — — -16.1% +7.09% $158.6M /fgbi-vs-lsbk →
RVSB
Riverview Bancorp Inc
D+ 58/100 — — -2.6% +1.17% $121.2M /rvsb-vs-lsbk →
BVFL
BV Financial Inc.
C+ 67/100 14.0x — 7.3% +0.78% $185.5M /bvfl-vs-lsbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002059653 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Lake Shore Bancorp Inc. (LSBK) reported GAAP revenue of $305.5M (+6.1% vs. FY2024 revenue of $287.9M , and +1056.2% cumulative change since FY2023) , GAAP net income of $7.3M, operating cash flow of $8.0M, and free cash flow of $8.0M (+218.9% YoY). On the balance sheet, LSBK closed FY2025 with $727.3M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $305.5M $7.3M $8.0M $8.0M $727.3M —
FY2024 (FY) 2024-12-31 $287.9M $4.9M $2.5M $2.5M $685.5M —
FY2023 (FY) 2023-12-31 $26.4M $4.8M — — — —

3. LSBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LSBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Lake Shore Bancorp Inc. (NASDAQ: LSBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $18.75 (+0.81% 1D, market cap $146.8M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, LSBK ranks #182 in composite RQD confidence.

How does LSBK compare to MGYR and FGBI in the Financials sector?

Within the Financials sector (Savings Institutions), LSBK carries a Roarable C+ (67/100 RQD), trailing P/E of 20.6x, gross margin of —, and ROIC of 5.1%. By comparison, MGYR (Magyar Bancorp Inc.) holds a B grade (73/100 RQD, P/E 13.4x, ROIC 8.0%, cap $144.0M) and FGBI (First Guaranty Bancshares Inc.) posts a D- grade (39/100 RQD, P/E N/A, ROIC -16.1%, cap $158.6M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LSBK?

Per LSBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002059653), Lake Shore Bancorp Inc. generated $305.5M in revenue (+6.1% YoY), $7.3M in net income, and $8.0M in free cash flow against $727.3M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LSBK trading relative to its 50-day, 200-day, and 52-week technical levels?

LSBK last traded at $18.75 (+0.81% on volume of 14,767 shares), positioning the stock +3.71% above its 50-day simple moving average ($18.08) and +13.22% above its 200-day simple moving average ($16.56). Across its 52-week range of $13.83 to $19.34, LSBK sits at the 89.3% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($17.85 to $19.65).

Direct Sub-Reports: LSBK RQD Cockpit LSBK 12M Forecast LSBK Earnings & Move LSBK Dividends & DRIP LSBK Insiders & 13F LSBK Whale Options LSBK Profit Sankey LSBK News & Why
ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ SEC XBRL & RQD VERIFIED

LSBK — Lake Shore Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Lake Shore Bancorp Inc. (LSBK) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $18.75 (+0.81% 1D, market capitalization $146.8M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 5.1%, gross margin of —, operating margin of —, and free cash flow yield of 5.35%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

And profile, Lake Shore Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry..1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Lake Shore Bancorp Inc. (LSBK) reported $305.5M in annual revenue (up from $287.9M in FY2024, +6.1% YoY) and $7.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($26.4M revenue, $4.8M net income) through FY2025, LSBK scaled operating cash flow to $8.0M and free cash flow to $8.0M, backed by $727.3M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 5.35% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $13.83 – $19.34 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 20.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations beyond the beta of 1.0, and second-order bottlenecks cannot be identified from the provided sources.

  • Key Question #1: Can LSBK sustain or expand its — operating margin and 5.1% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $305.5M and free cash flow of $8.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is LSBK's 19.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LSBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Lake Shore Bancorp Inc. (LSBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LSBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LSBK Bull vs. Bear Conversation Board — What's Your Call at $18.75?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LSBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on LSBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $21.68 (+16.0%)
📌 Pinned Debate

Net income rose from $4.8M in FY 2023 to $7.3M in FY 2025 while cash grew to $64.3M, and the stock trades at a forward P/E of 19.2.

Picked up a starter position in LSBK in my $100K Virtual Cash book at $18.69. Net income rose from $4.8M in FY 2023 to $7.3M in FY 2025 while cash grew to $64.3M, and the stock trades at a forward P/E of 19.2.. Trading inside a $13.83–$19.34 52-week range with 5.35% FCF yield gives solid downside support if Savings Institutions multiples expand this quarter.

ArenaChamp_24 🐂 BULL

@RedlineAuditor Fair point on 20.6x trailing P/E, but you're ignoring the forward operating leverage in Savings Institutions. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $15.89 (-15.0%)
Spot @ $18.69

The RQD rating is a mid-range C+ at 68, with no revenue or operating income reported, no analyst coverage, and no holder data to corrob

Fading this rally in LSBK at $18.69. The RQD rating is a mid-range C+ at 68, with no revenue or operating income reported, no analyst coverage, and no holder data to corroborate the insider and institutional pillars.. With a beta of 1.0 and the stock sitting at $18.69 (52-wk range $13.83–$19.34), the easy multiple expansion is already priced in.

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