Trailing Dividend / Share
$0.14
Lake Shore Bancorp, Inc. (LSBK) Dividend History
Income profile from 2006 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
0.8%
Payout Ratio
14.0%
Sustainable
Dividend Streak
0 years
LSBK Dividend Income Check
Safety
14.0% payout ratio with sustainable safety profile.
Consistency
0 straight years of dividend increases.
Income Trend
Yield on cost is 3.3% and trend is falling.
LSBK Dividend Scorecard
Yield & Income
Dividend Yield0.8%
Trailing DPS$0.14
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout14.0%
Earnings SafetySustainable
FCF Payout14.5%
FCF SafetyWell Covered
Piotroski F-Score8/9
Growth
Growth Streak0 years
3Y CAGR-14.6%
5Y CAGR-2.9%
Yield on Cost (5Y)3.3%
YOC Trendfalling
Total Returns
Buyback Yield0.0%
Total Shareholder Yield0.8%
1Y Total Return53.1%
5Y Total Return67.1%
Div Contribution (5Y)14.1%
Estimated $10K growth (return + dividends):
5Y ago$16,71110Y ago$21,16020Y ago$31,399
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
LSBK Income Growth Story
Dividend per share and yield on cost over time (20 years of payments)
LSBK Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
Lake Shore Bancorp, Inc. distributes 14.0% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 14.5%, rated "Well Covered".
Piotroski F-Score: 8/9 — strong financial health.
Growth Track Record
LSBK does not have a current streak of consecutive dividend increases, with a 3-year CAGR of -14.6% and 5-year CAGR of -2.9%.
Total Shareholder Returns
Beyond cash dividends, LSBK returns capital through share repurchases. The combined picture: 0.8% dividend yield, 0.0% buyback yield, 0.8% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.3% and is currently falling. The 5-year total return is 67.1%, with dividends contributing 14.1% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $21,160 today.
LSBK Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$2.15
Avg/Payment$0.1077
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 4, 2026Latest | $0.0900 | — | 2.27% | May 13, 2026 |
| Feb 2, 2026 | $0.0900 | — | 1.74% | Feb 11, 2026 |
| Nov 3, 2025 | $0.0900 | — | 2.22% | Nov 12, 2025 |
| Aug 4, 2025 | $0.0900 | ↓ -32.3% | 2.91% | Aug 13, 2025 |
| Feb 10, 2025 | $0.1328 | — | 5.45% | Feb 14, 2025 |
| Nov 4, 2024 | $0.1328 | — | 4.92% | Nov 8, 2024 |
| Aug 12, 2024 | $0.1328 | — | 2.80% | Aug 16, 2024 |
| May 3, 2024 | $0.1328 | — | 1.58% | May 10, 2024 |
LSBK Dividend vs Peers
Comparable companies in the same industry
#9 yield in peer group
Div Yield
0.8%
#9 of 9
Safety
Sustainable
14.0% payout
Streak
0Y
-2.9% 5Y CAGR
Total Shareholder
0.8%
#9 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
 LSBKLake Shore Bancorp, … | $137M | 0.8% | 14.0% | 0 | Sustainable |
 CZWICitizens Community B… | $205M | 1.7% | 25.0% | 6 | Sustainable |
2nd  NECBNortheast Community … | $356M | 3.8% | 30.0% | 2 | Sustainable |
 BWFGBankwell Financial G… | $448M | 1.4% | 17.8% | 0 | Sustainable |
1st  KRNYKearny Financial Cor… | $533M | 5.2% | 1.1% | 0 | Sustainable |
 NBTBNBT Bancorp Inc. | $2.4B | 3.1% | 42.9% | 13 | Sustainable |
 CHMGChemung Financial Co… | $341M | 1.9% | 41.9% | 1 | Sustainable |
3rd  FISIFinancial Institutio… | $735M | 3.3% | 33.0% | 1 | Sustainable |
 TRSTTrustCo Bank Corp NY | $925M | 2.9% | 45.2% | 1 | Sustainable |
LSBK Annual Dividend History (2004–2026)
23 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.18 | — | 2 | — | — | — | 1.9% |
| 2025 | $0.31 | -21.5% | 3 | $0.96 | 32.6% | 3.07x | 3.3% |
| 2024 | $0.40 | — | 3 | $0.65 | 61.3% | 1.63x | 4.2% |
| 2023 | $0.00 | -100.0% | 0 | $0.61 | — | — | — |
| 2022 | $0.50 | 25.9% | 4 | $0.72 | 69.7% | 1.43x | 5.2% |
| 2021 | $0.40 | 10.2% | 4 | $1.05 | 38.0% | 2.63x | 4.2% |
| 2020 | $0.36 | 2.1% | 4 | $0.56 | 64.6% | 1.55x | 3.8% |
| 2019 | $0.35 | 1.9% | 4 | $0.50 | 70.9% | 1.41x | 3.7% |
| 2018 | $0.35 | 8.6% | 4 | $0.49 | 70.9% | 1.41x | 3.6% |
| 2017 | $0.32 | 14.3% | 4 | $0.41 | 78.0% | 1.28x | 3.3% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
20+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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LSBK — Frequently Asked Questions
Quick answers to the most common questions about buying LSBK stock.
How much dividend does LSBK pay per share?
Lake Shore Bancorp, Inc. (LSBK) pays a trailing 12-month dividend of $0.14 per share, with a current dividend yield of +0.8%. Payments are made Semi-Annual.
When is LSBK's next ex-dividend date?
LSBK's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. LSBK typically pays dividends Semi-Annual.
Is LSBK's dividend safe?
LSBK's dividend safety is rated "Sustainable" based on an earnings payout ratio of +14.0% and FCF payout ratio of +14.5%. The dividend history does not yet show a prolonged growth streak.
How many years has LSBK increased its dividend?
LSBK has not maintained a consecutive growth streak recently. The 5-year dividend CAGR is -2.9%.
How often does LSBK pay dividends?
Lake Shore Bancorp, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.14 per share. Dividend data on this page covers 20+ years from 2006 to 2026.
How much would $10,000 invested in LSBK grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in LSBK five years ago would be worth approximately $16,711 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is LSBK's yield on cost for long-term holders?
LSBK's yield on cost — the current dividend divided by the original purchase price — is +3.3% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +0.8% market yield, thanks to the lower original cost basis.