LSBK PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

LSBK ▼ -0.19% at T+20d

LONG call ✗ call lost -0.19% · α vs SPY -4.83% · entry $15.76 → $15.73

Next anchor: T+60d in 5w

Currently $16.28 · +3.29% from $15.76 entry

Entry anchored
Apr 22, 03:44 PM ET
via Databento tick

T+1d

+1.20%

call +1.20% · α +0.42%

$15.95

settled 7w ago

T+5d

+0.82%

call +0.82% · α -0.66%

$15.89

settled 6w ago

T+20d

-0.19%

call -0.19% · α -4.83%

$15.73

settled 24d ago

T+60d

—

call — · α —

—

in 5w

Price Chart

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Executive Summary

Lake Shore Bancorp (LSBK) reported strong Q1 2026 earnings with net income of $1.9 million ($0.26/share), up 81.9% YoY from $1.1 million ($0.14/share), driven by a 21.9% increase in net interest income and improved net interest margin. The bank also saw meaningful improvement in efficiency and credit quality.

Actionable Insight

Strong earnings beat and margin expansion suggest improving profitability in a favorable rate environment; watch for sustained NIM expansion and loan growth in coming quarters as key drivers of valuation.

Key Facts

Q1 2026 net income: $1.9 million ($0.26 diluted EPS), up from $1.1 million ($0.14) in Q1 2025
Net interest income increased 21.9% YoY to $6.7 million, with net interest margin expanding 53 bps to 4.02%
Efficiency ratio improved sharply to 69.58% from 78.82% in prior year quarter
Non-performing assets as % of total assets decreased to 0.22% from 0.23%
Book value per share rose to $18.11 from $18.10; capital ratios remain strong

Financial Impact

Net income up 81.9% YoY; net interest margin expanded 53 bps to 4.02%

net incomeepsnet interest marginefficiency ratiocredit quality

Risk Factors

Net interest income declined slightly (-0.6%) from Q4 2025 due to lower interest-earning asset balances
Non-interest expense increased 4.1% YoY, driven by higher employee benefits and occupancy costs

Market Snapshot

Exchange

Nasdaq

Sector

Savings Institution, Federally Chartered

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3279420

5 reports for LSBK

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for LSBK — sortable, filterable
	Type				Now
May 20, 2026 23d ago	8-K NEUTRAL ★ 4/10	$15.73 $15.60	▼ −0.83%	▼ −2.06%	$16.28 (+3.50%)
Apr 24, 2026 7w ago	8-K NEUTRAL ★ 3/10	$15.86 $15.89	▲ +0.19%	▼ −0.21%	$16.28 (+2.65%)
Apr 22, 2026 7w ago	8-K BULLISH ★ 8/10	$15.76 $15.89	▲ +0.82%	▼ −0.66%	$16.28 (+3.29%)
Apr 22, 2026 7w ago	Press Release BULLISH ★ 8/10	$15.76 $15.89	▲ +0.82%	▼ −0.66%	$16.28 (+3.29%)
Mar 18, 2026 12w ago	8-K NEUTRAL ★ 4/10	$14.49 $15.29	▲ +5.54%	▲ +7.75%	$16.28 (+12.37%)

US Market Status

Market Closed — Opens Mon (49h 36m)

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