Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	24.57	21.06	24.36	24.34	21.99
Net Interest Income Growth	16.63%	-13.53%	0.08%	10.66%	10.35%
Non-Interest Income	3.27	3.3	2.64	2.7	3.19
Non-Interest Income Growth	-0.94%	25.39%	-2.55%	-15.18%	6.55%
Revenues Before Loan Losses	27.84	24.37	26.99	27.04	25.18
Provision for Credit Losses	-0.18	-1.48	-1.04	0.73	0.65
Revenue	28.02	25.85	28.04	26.32	24.53
Revenue Growth (YoY)	8.40%	-7.81%	6.53%	7.28%	15.18%
Compensation Expenses	11.61	11.45	11.25	9.85	9
Selling, General & Admin	6.35	6.76	8.39	7.56	6.66
Other Non-Interest Expenses	1.31	1.77	2.17	2.03	1.4
Total Non-Interest Expense	19.27	19.98	21.82	19.45	17.06
Pretax Income	8.75	5.87	6.22	6.87	7.48
Provision for Income Taxes	1.48	0.94	1.4	1.16	1.29
Net Income	7.27	4.93	4.82	5.71	6.19
Net Income to Common	7.27	4.93	4.82	5.71	6.19
Net Income Growth	47.41%	2.30%	-15.56%	-7.74%	35.74%
Shares Outstanding (Basic)	8	8	8	8	8
Shares Outstanding (Diluted)	8	8	8	8	8
Shares Change (YoY)	-1.28%	-3.99%	-0.41%	-0.14%	-1.13%
EPS (Basic)	0.97	0.65	0.61	0.72	0.77
EPS (Diluted)	0.97	0.65	0.61	0.72	0.77
EPS Growth	49.23%	7.40%	-15.46%	-7.62%	36.36%
Shares Outstanding	7.84	7.77	7.7	7.73	7.71
Free Cash Flow	7.44	2.55	5.81	7.8	7.92
Free Cash Flow Growth	191.80%	-56.16%	-25.45%	-1.58%	52.27%
Free Cash Flow Per Share	0.99	0.33	0.73	0.98	0.99
Dividends Per Share	0.270	0.531	-	0.384	0.421
Dividend Growth	-49.19%	-	-	-8.77%	14.01%
Profit Margin	25.94%	19.08%	17.19%	21.69%	25.22%
FCF Margin	26.55%	9.86%	20.74%	29.63%	32.30%
EBITDA	0.61	0.74	0.81	0.86	0.87
EBITDA Margin	2.18%	2.86%	2.88%	3.25%	3.53%
Effective Tax Rate	16.94%	15.94%	22.50%	16.91%	17.23%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q