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LSBK Dividend DRIP Calculator 2026
2.10% YieldFinancial ServicesLake Shore Bancorp, Inc. · NASDAQ
Price: $17.18 · Annual div: $0.36/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When LSBK pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in LSBK → $952.2K in 10 years · $40.92/month
About Lake Shore Bancorp, Inc. (LSBK) — Dividend Analysis 2026
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.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 LSBK Yield by Country & Account Type
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% | 2.10% | -0.70% | $210 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.78% | -1.01% | $178 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.68% | -1.12% | $168 / yr |
| 🇬🇧 UK ISA | 0% | 2.10% | -0.70% | $210 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.92% | -0.88% | $192 / yr |
| 🇨🇦 TFSA | 0% | 2.10% | -0.70% | $210 / yr |
| 🇨🇦 CA Taxable | 25% | 1.58% | -1.22% | $158 / yr |
| 🇦🇺 Super (pension) | 15% | 1.78% | -1.01% | $178 / yr |
| 🇦🇺 AU Taxable | 30% | 1.47% | -1.33% | $147 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.55% | -1.25% | $155 / yr |
| 🇫🇷 FR Taxable | 30% | 1.47% | -1.33% | $147 / 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.
🎯 LSBK Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.36/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 LSBK Dividend Payment Schedule
LSBK pays quarterly — 4 times per year. Next ex-div: TBD.
📊 LSBK vs Financial Services Benchmarks
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.
🏛️ LSBK Insider Activity
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.
Financial Health Scores
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 →
Lake Shore Bancorp, Inc. (LSBK) is currently trading at $17.18, trading near its 52-week high. The current dividend yield is 2.10% based on an annual payout of $0.36 per share.
LSBK (Lake Shore Bancorp, Inc.) — 2.10% Dividend Yield Analysis
Lake Shore Bancorp, Inc. (LSBK) is a financial services stock currently trading at $17.18 with a dividend yield of 2.10%. The company pays an annual dividend of $0.36 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, LSBK has grown its dividend at a compound annual rate of 8.4%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.