Lake Shore Bancorp, Inc. (LSBK)

NASDAQ: LSBK · Real-Time Price · USD

14.57

0.00 (0.00%)

At close: Mar 18, 2026, 4:00 PM EDT

14.80

+0.23 (1.58%)

After-hours: Mar 18, 2026, 4:11 PM EDT

Lake Shore Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Interest Income	21.39	21.06	24.36	24.34	21.99	19.93
Net Interest Income Growth	-7.78%	-13.53%	0.08%	10.66%	10.35%	4.52%
Non-Interest Income	3.16	3.14	2.64	2.7	3.19	2.99
Non-Interest Income Growth	13.34%	19.28%	-2.55%	-15.18%	6.55%	20.06%
Revenues Before Loan Losses	24.55	24.21	26.99	27.04	25.18	22.92
Provision for Credit Losses	-1.08	-1.48	-1.04	0.73	0.65	1.63
Revenue	25.63	25.69	28.04	26.32	24.53	21.3
Revenue Growth (YoY)	-4.20%	-8.39%	6.53%	7.28%	15.18%	3.08%
Compensation Expenses	11.61	11.45	11.25	9.85	9	8.64
Selling, General & Admin	6.34	6.76	8.39	7.56	6.66	5.96
Other Non-Interest Expenses	1.47	1.77	2.17	2.03	1.4	1.32
Total Non-Interest Expense	19.86	19.98	21.82	19.45	17.06	15.92
Pretax Income	5.93	5.87	6.22	6.87	7.48	5.38
Provision for Income Taxes	0.96	0.94	1.4	1.16	1.29	0.82
Net Income	4.97	4.93	4.82	5.71	6.19	4.56
Net Income to Common	4.97	4.93	4.82	5.71	6.19	4.56
Net Income Growth	19.86%	2.30%	-15.56%	-7.74%	35.74%	11.52%
Shares Outstanding (Basic)	6	6	6	6	6	6
Shares Outstanding (Diluted)	6	6	6	6	6	6
Shares Change (YoY)	-0.68%	-3.99%	-0.41%	-0.14%	-1.13%	-0.78%
EPS (Basic)	0.88	0.88	0.82	0.97	1.05	0.77
EPS (Diluted)	0.88	0.88	0.82	0.97	1.05	0.77
EPS Growth	23.94%	7.32%	-15.46%	-7.62%	36.36%	13.23%
Free Cash Flow	3.18	2.55	5.81	7.8	7.92	5.2
Free Cash Flow Growth	24.66%	-56.16%	-25.45%	-1.58%	52.27%	3.54%
Free Cash Flow Per Share	0.56	0.45	0.99	1.33	1.35	0.87
Dividends Per Share	0.540	0.720	-	0.520	0.570	0.500
Dividend Growth	-25.00%	-	-	-8.77%	14.00%	4.17%
Profit Margin	19.40%	19.20%	17.19%	21.69%	25.22%	20.81%
FCF Margin	12.40%	9.92%	20.74%	29.63%	32.30%	23.76%
EBITDA	0.7	0.74	0.81	0.86	0.87	0.84
EBITDA Margin	2.73%	2.88%	2.88%	3.25%	3.53%	3.84%
Effective Tax Rate	16.15%	15.94%	22.50%	16.91%	17.23%	15.31%

Updated Nov 12, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q