Lake Shore Bancorp, Inc. /MD/

Savings Institution, Federally Chartered

LSBK Banks & Consumer Finance People in Banks & Consumer Finance SEC CIK 0002059653 ↗

Computed from SEC EDGAR filings and closing prices — not copied from any wealth ranking. Dataset . How we calculate this.

Market capitalisation
$144.67M
7,853,788 shares Covers every share class this company has on file.
Insiders on file
5
people who have filed Form 3, 4 or 5 naming this issuer
Value of insider-held stock
$7.77M
from the holdings reported on Forms 3/4/5; this figure has no separate as-of date on file
Insider-held share of market cap
5.37%
insider-held value divided by market capitalisation

What Lake Shore Bancorp, Inc. /MD/ reports

Revenue and net income below are for fiscal period FY2025, the period label carried by this company’s own annual XBRL filings to the SEC. Fiscal years do not line up between companies — one company’s FY2026 can cover much the same months as another’s FY2025 — so compare the periods, not just the numbers.

Revenue
No revenue figure: this company’s filings tag profit, but no single revenue total.
Net income
$7.27M
FY2025 profit for the period, from this company’s own annual XBRL filings to the SEC
Employees
87
Yahoo Finance
Why the revenue box is blank

US GAAP has no one “total revenue” tag that every filer uses. A bank reports interest and dividend income separately from non-interest income; closed-end funds, blank-cheque companies and some property trusts report the same way; and a company that has not sold anything yet — a drug developer still in trials, for instance — files no revenue at all. Adding two differently defined income lines together would produce a number that appears in no filing, so we publish a revenue figure only where the filing tags one annual, US-dollar revenue fact we can point at. A blank here means no such tag, not that we failed to look.

Where the employee count comes from

Headcount comes from Yahoo Finance, not from a filing. The date beside it is the day we retrieved the figure — it is not the date the company counted its staff, and Yahoo does not publish that date. Unlike the SEC filings behind the other figures on this page, this one carries no open licence, so we publish the number and nothing else from that source.

Insiders at Lake Shore Bancorp, Inc. /MD/

Shares is what each person last reported holding here.

Everyone below has filed at least one insider report against this company.

Value is that share count priced at the same closing price used everywhere else on this site. A row priced from only some of a person’s securities says so — we do not quietly present a partial sum as a complete one.

Rows are grouped by the role each person reports.

The role comes from the relationship boxes a person ticks on their own insider filings — officer, director, ten per cent owner — not from anything we infer. Somebody who is both an officer and a director appears once, in the combined group, so the row count still matches the figure at the top of this page. Where no filing states a role we say so instead of guessing one.

People who file insider reports against Lake Shore Bancorp, Inc. /MD/.
Insider Reported role Shares Value Last action
Officers 1
Jeffrey M Werdein EVP 84,123 $1.46M F Shares withheld for taxes Aug 21, 2026 position reported
Directors 3
John P McGrath Board Member 90,800 $1.58M A Grant or award Mar 18, 2026 position reported
Ann M Segarra Board Member 88,532 $1.54M A Grant or award Mar 18, 2026 position reported
Kevin M Sanvidge Board Member 60,474 $1.05M M Option exercise or conversion Sep 8, 2026 position reported
Role not stated in the disclosures we hold 1
Kim C. Liddell Insider 123,336 $2.14M F Shares withheld for taxes Apr 23, 2026 position reported

Recent insider transactions

Of the 16 rows we hold, 0 are open-market purchases and 0 open-market sales.

The rest — awards, shares withheld to pay tax, option exercises, gifts and so on — follow from an employment contract or a transfer arranged off-market, not from a decision to buy or sell, so counting them would turn this into a pay table.

A price of 0.00 is a real reported figure on gifts (G) and share awards (A) — not a gap in our data.

Insider transactions disclosed to the SEC for Lake Shore Bancorp, Inc. /MD/, newest first, each with the filing behind it.
Date Insider Transaction Shares Price Value Filing
Sep 8, 2026 Kevin M Sanvidge M Option exercise or conversion 14,563 $10.62 $154.7K SEC filing ↗
Aug 21, 2026 Jeffrey M Werdein F Shares withheld for taxes 16,525 $17.25 $285.1K SEC filing ↗
Aug 21, 2026 Jeffrey M Werdein M Option exercise or conversion 23,132 $10.62 $245.7K SEC filing ↗
Apr 23, 2026 Jeffrey M Werdein F Shares withheld for taxes 302 $15.85 $4.8K SEC filing ↗
Apr 23, 2026 Kim C. Liddell F Shares withheld for taxes 631 $15.85 $10.0K SEC filing ↗
Mar 18, 2026 Ann M Segarra A Grant or award 620 $0.00 $0 SEC filing ↗
Mar 18, 2026 Jeffrey M Werdein A Grant or award 3,025 $0.00 $0 SEC filing ↗
Mar 18, 2026 Kevin M Sanvidge A Grant or award 893 $0.00 $0 SEC filing ↗
Mar 18, 2026 John P McGrath A Grant or award 589 $0.00 $0 SEC filing ↗
Mar 18, 2026 Kim C. Liddell A Grant or award 6,285 $0.00 $0 SEC filing ↗
Mar 12, 2026 Jeffrey M Werdein F Shares withheld for taxes 368 $15.43 $5.7K SEC filing ↗
Mar 12, 2026 Kim C. Liddell F Shares withheld for taxes 765 $15.43 $11.8K SEC filing ↗
Dec 10, 2025 Kevin M Sanvidge G Bona fide gift 1,382 $0.00 $0 SEC filing ↗
Dec 10, 2025 Kevin M Sanvidge G Bona fide gift 1,382 $0.00 $0 SEC filing ↗
Dec 9, 2025 Ann M Segarra A Grant or award 5,058 $0.00 $0 SEC filing ↗
Dec 9, 2025 Kevin M Sanvidge A Grant or award 893 $0.00 $0 SEC filing ↗

From SEC Form 4 filings. Every row links to the filing it came from. How we calculate this.

What a Form 4 is

The report an officer, director or large shareholder must file after trading their own company’s stock.

Subsidiaries — 1 legal entity

Subsidiaries of Lake Shore Bancorp, Inc. /MD/

1 legal entity named in the subsidiary exhibit filed with this company’s most recent 10-K. . Filing on SEC.gov.

This is not the full list. SEC rules only require a company to name its significant subsidiaries.

What that leaves out

Smaller entities are left out of the exhibit entirely. A short list here means a short exhibit — it does not mean the company owns nothing else. Nothing on this page is inferred: every name below is copied from the filing.

Subsidiaries Lake Shore Bancorp, Inc. /MD/ names in its most recent annual report, with the place each one is organised.
Subsidiary Organised in
Lake Shore Bank
What counts as a subsidiary

A subsidiary is a separate legal entity this company controls; it is not the same thing as a brand, a division or an office. These entities do not file with the SEC in their own right, so there is no separate page to open for them.

Think a number here is wrong? Open the linked filing and compare — how to report it.

Sources and technical notes

Every figure on this page comes from filings to the U.S. SEC via EDGAR. Nothing here is estimated, and nothing is taken from press coverage or company websites.

Share count: cover page of the latest filing (dei:EntityCommonStockSharesOutstanding), taken from Lake Shore Bancorp, Inc. /MD/’s own filings and multiplied by our closing price. Full method.

What that share count means

the share count the company itself prints on the cover of its most recent filing, as of the date it signed that filing.

We do not take a market cap from a data vendor, and we do not estimate one: the figure is a share count from Lake Shore Bancorp, Inc. /MD/’s own SEC filings multiplied by the closing price we hold for the same stock.