Lake Shore Bancorp, Inc.
LSBK
Rank in Stocks
#18083
Lake Shore Bancorp, Inc. functions as the parent entity for Lake Shore Savings... Lake Shore Bancorp, Inc. functions as the parent entity for Lake Shore Savings Bank, through which it delivers a comprehensive array of banking and financial services. The bank provides a diverse selection of deposit products, including various savings accounts (such as specialized Christmas Club accounts and standard statement savings), money market accounts, both interest-bearing and non-interest-bearing checking accounts (like demand deposits), health savings accounts, retirement savings vehicles, fixed-term certificates of deposit, and interest on lawyer accounts. These offerings cater to individual clients, as well as small to medium-sized businesses, providing them with commercial savings, checking, and money market solutions. Its lending portfolio is equally broad, featuring commercial real estate loans, financing for commercial construction projects, and home equity loans and lines of credit. Business clients can also access various commercial loans, including installment loans, lines of credit, and other tailored commercial financing. Furthermore, the bank originates one-to-four-family residential mortgages and offers consumer credit products such as personal loans, overdraft protection lines, vehicle financing, secured and unsecured property improvement loans, and loans backed by certificates of deposit. As of February 11, 2022, Lake Shore Savings Bank operated eleven full-service branches across Western New York, with five locations situated in Chautauqua County and the remaining six in Erie County. Established in 1891, the company maintains its primary office in Dunkirk, New York, and operates as a subsidiary of Lake Shore, MHC.
Share Price
$18.65
Last synced: 2026-11-09
Market Cap
$145.10M
Change (1 day)
-1.03%
Change (1 year)
29.60%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Lake Shore Bancorp, Inc. (LSBK)
Category
Financial Services
Operating Margin for Lake Shore Bancorp, Inc. (LSBK)
Operating Margin as of November 2026 TTM: 25.10%
According to Lake Shore Bancorp, Inc.'s latest financial reports, its current operating margin (TTM) is 25.10%. At the end of 2025 the company had an operating margin of 22.12%.
Operating Margin history for Lake Shore Bancorp, Inc. from 2001 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 25.10% | 13.47% |
| 2025 | 22.12% | 43.73% |
| 2024 | 15.39% | -9.84% |
| 2023 | 17.07% | -26.80% |
| 2022 | 23.32% | -13.11% |
| 2021 | 26.84% | 36.31% |
| 2020 | 19.69% | 11.12% |
| 2019 | 17.72% | -7.23% |
| 2018 | 19.10% | -7.64% |
| 2017 | 20.68% | 4.08% |
| 2016 | 19.87% | -0.55% |
| 2015 | 19.98% | 7.88% |
| 2014 | 18.52% | -18.59% |
| 2013 | 22.75% | 7.01% |
| 2012 | 21.26% | -6.01% |
| 2011 | 22.62% | 54.83% |
| 2010 | 14.61% | 12.21% |
| 2009 | 13.02% | 61.74% |
| 2008 | 8.05% | -26.82% |
| 2007 | 11.00% | -21.09% |
| 2006 | 13.94% | -17.47% |
| 2005 | 16.89% | -59.02% |
| 2004 | 41.22% | 23.93% |
| 2003 | 33.26% | -30.37% |
| 2002 | 47.77% | 42.60% |
| 2001 | 33.50% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -97.84% |
CN
|
|
| 57.52% | -97.71% |
IT
|
|
| 21.82% | -99.13% |
IN
|
|
| 26.74% | -98.93% |
IN
|
|
| 20.55% | -99.18% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Lake Shore Bancorp, Inc.'s operating margin
What is Lake Shore Bancorp, Inc.'s operating margin?
Lake Shore Bancorp, Inc.'s operating margin is 25.10%, as of Nov 2026.
What was Lake Shore Bancorp, Inc.'s operating margin in 2025?
In 2025, Lake Shore Bancorp, Inc.'s operating margin was 22.12%, compared with 15.39% in 2024.
How has Lake Shore Bancorp, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Lake Shore Bancorp, Inc.'s operating margin was highest in 2021 (26.84%) and lowest in 2024 (15.39%).
How does Lake Shore Bancorp, Inc.'s operating margin compare with similar companies?
Lake Shore Bancorp, Inc.'s operating margin (25.10%) is higher than that of 2 of the 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.