Does LSBK pay a dividend and is it safe?

Lake Shore Bancorp Inc. (LSBK) offers a 1.12% cash dividend yield ($0.21 annualized) and 2.92% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Financials / LSBK / dividends

MGYR (73) FGBI (39) RVSB (58) BVFL (67) ⌘ Pro Terminal →

Lake Shore Bancorp Inc. (LSBK) Dividend Safety Gauge & 10-Year DRIP Compounder

$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?

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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?

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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+

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+

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

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)

Grade C$17.36+3.9% Next Q

Q2 (-2Q)

Grade C+$18.03+4% Next Q

Q3 (-1Q)

Grade C+$18.75+0% Next Q

Current

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 →

CASH DIVIDEND + BUYBACK YIELD

2.92% Total Yield

1.12% Cash ($0.21/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.9% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $21,390

Est. Year-10 Shareholder Yield: $625/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.6K

Yr 2

$12.6K

Yr 3

$13.6K

Yr 4

$14.6K

Yr 5

$15.8K

Yr 6

$17.0K

Yr 7

$18.4K

Yr 8

$19.8K

Yr 9

$21.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in LSBK & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on LSBK and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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

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?

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

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

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) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Lake Shore Bancorp: Q3 Earnings Snapshot

Yahoo Finance report covering Lake Shore Bancorp Inc. (LSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Lake Shore Bancorp, Inc. Estimates – NASDAQ:LSBK

TradingView report covering Lake Shore Bancorp Inc. (LSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Eligible shareholders are expected to get 9 cents per share from Lake Shore Bancorp on Nov. 11.

Stock Titan report covering Lake Shore Bancorp Inc. (LSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

A Look at Lake Shore Bancorp Inc (LSBK) After 3.4% Decline -- GF Value $13.42 vs Price $17.36

GuruFocus report covering Lake Shore Bancorp Inc. (LSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Simply Wall St • 1d ago

Lake Shore Bancorp (LSBK) Stock Gains Ground After Steady Q3 Results

Simply Wall St report covering Lake Shore Bancorp Inc. (LSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Lake Shore Bancorp Inc's Dividend Analysis

Yahoo Finance report covering Lake Shore Bancorp Inc. (LSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 1d ago

Lake Shore Bancorp (LSBK) Ticks Up 0.55% to $18.22 as Shares Press Toward Upper Range - Factor Crowding

https://www.siam.in/ report covering Lake Shore Bancorp Inc. (LSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Lake Shore Bancorp Q3 2026 Earnings Results and Report

MarketBeat report covering Lake Shore Bancorp Inc. (LSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 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

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.