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Video: What is a Stock Split?
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| Lake Shore Bancorp, Inc. is the mid-tier holding company of Lake Shore Savings Bank, a community-oriented financial institution based in Dunkirk, New York. The Bank operates 11 full-service branches in Western New York, offering a variety of retail and commercial lending and deposit services. Its main business involves attracting retail deposits and investing them in commercial real estate loans, residential mortgages, home equity lines of credit, and other loans and securities. The Bank's primary funding sources include deposits, borrowings, brokered deposits, and loan and securities payments. According to our LSBK split history records, Lake Shore Bancorp Inc MD has had 1 split. | |
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Lake Shore Bancorp Inc MD (LSBK) has 1 split in our LSBK split history database. The split for LSBK took place on July 21, 2025. This was a 1354 for 1000 split, meaning for each 1000 shares of LSBK owned pre-split, the shareholder now owned 1354 shares. For example, a 1000 share position pre-split, became a 1354 share position following the split.
When a company such as Lake Shore Bancorp Inc MD splits its shares, the market capitalization before and after the split takes place remains stable, meaning the shareholder now owns more shares but each are valued at a lower price per share. Often, however, a lower priced stock on a per-share basis can attract a wider range of buyers. If that increased demand causes the share price to appreciate, then the total market capitalization rises post-split. This does not always happen, however, often depending on the underlying fundamentals of the business.
Looking at the LSBK split history from start to finish, an original position size of 1000 shares would have turned into 1354 today. Below, we examine the compound annual growth rate — CAGR for short — of an investment into Lake Shore Bancorp Inc MD shares, starting with a $10,000 purchase of LSBK, presented on a split-history-adjusted basis factoring in the complete LSBK split history.

Growth of $10,000.00
With Dividends Reinvested
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| Start date: |
11/20/2015 |
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| End date: |
11/18/2025 |
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| Start price/share: |
$9.79 |
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| End price/share: |
$14.10 |
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| Starting shares: |
1,021.45 |
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| Ending shares: |
1,359.29 |
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| Dividends reinvested/share: |
$3.07 |
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| Total return: |
91.66% |
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| Average Annual Total Return: |
6.72% |
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| Starting investment: |
$10,000.00 |
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| Ending investment: |
$19,166.18 |
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| Years: |
10.00 |
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Growth of $10,000.00
Without Dividends Reinvested
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| Start date: |
11/20/2015 |
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| End date: |
11/18/2025 |
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| Start price/share: |
$9.79 |
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| End price/share: |
$14.10 |
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| Dividends collected/share: |
$3.07 |
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| Total return: |
75.36% |
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| Average Annual Total Return: |
5.78% |
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| Starting investment: |
$10,000.00 |
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| Ending investment: |
$17,542.94 |
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| Years: |
10.00 |
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| Date |
Ratio |
| 07/21/2025 | 1354 for 1000 |
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