⏳ Fetching live dividend data...
Home › Calculator › LSBK Dividend Calculator 2026
Lake Shore Bancorp, Inc. · NASDAQ
Price: $15.85 · Annual div: $0.27/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
Click to apply scenario to the calculator
Year your monthly dividend income covers each expense (based on current settings)
$10,000 in LSBK → $944.1K in 10 years · $32.98/month
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
We'll send you a full breakdown of your projections, DRIP tips, and how to enable dividend reinvestment with your broker.
Free forever. No spam. Unsubscribe anytime.
Ready to invest? Open LSBK position with:
Real after-tax yield depends on where you live and how you hold LSBK.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.70% | -1.10% | $170 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.44% | -1.35% | $144 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.36% | -1.44% | $136 / yr |
| 🇬🇧 UK ISA | 0% | 1.70% | -1.10% | $170 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.55% | -1.25% | $155 / yr |
| 🇨🇦 TFSA | 0% | 1.70% | -1.10% | $170 / yr |
| 🇨🇦 CA Taxable | 25% | 1.27% | -1.52% | $127 / yr |
| 🇦🇺 Super (pension) | 15% | 1.44% | -1.35% | $144 / yr |
| 🇦🇺 AU Taxable | 30% | 1.19% | -1.61% | $119 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.25% | -1.55% | $125 / yr |
| 🇫🇷 FR Taxable | 30% | 1.19% | -1.61% | $119 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.27/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
LSBK pays quarterly — 4 times per year. Next ex-div: TBD.
How LSBK compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for LSBK sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| F-InKind | 2025-04-23 | 223 | $14.46 | $3.2K | ||
| A-Award | 2025-03-12 | 3,014 | — | — | ||
| A-Award | 2025-03-12 | 6,262 | — | — | ||
| A-Award | 2025-03-12 | 2,743 | — | — | ||
| A-Award | 2025-03-12 | 618 | — | — | ||
| A-Award | 2025-03-12 | 1,045 | — | — | ||
| A-Award | 2025-03-12 | 571 | — | — | ||
| A-Award | 2025-03-12 | 742 | — | — | ||
| A-Award | 2025-03-12 | 664 | — | — | ||
| A-Award | 2025-03-12 | 478 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the LSBK dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Real users. No sign-up required to leave a review.
“Finally a free dividend calculator that doesn't make me sign up or connect my brokerage. Entered SCHD and got the full DRIP projection in seconds. Bookmarked immediately.”
“I've been trying to figure out how much dividend income I'd need to retire. This tool showed me exactly — $400K in JEPI at 7% yield gives me $2,333/month. No calculator did that this clearly before.”
“Really solid passive income calculator. Covers everything: DRIP compounding, Roth IRA tax savings, DCA contributions. The year-by-year breakdown is what I was missing from other tools.”
“As someone planning retirement in 5 years, this dividend yield calculator showed me I need about 12% more in dividend stocks to hit my income target. Incredibly useful and completely free.”
“The Congress trades tracker is genius. Saw that several senators were buying O (Realty Income) and immediately ran it through the DRIP calculator. Bought 50 shares the next day.”
Reviews reflect users' personal experiences. Not financial advice.
Leave a review →