Lake Shore Bancorp, Inc. (LSBK)

NASDAQ: LSBK · Real-Time Price · USD

17.13

+0.08 (0.47%)

Aug 11, 2026, 4:00 PM EDT - Market closed

Lake Shore Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	29.23	28.02	25.85	28.04	26.32	24.53
Revenue Growth	10.56%	8.40%	-7.81%	6.53%	7.28%	15.18%
Net Income	8.39	7.27	4.93	4.82	5.71	6.19
Earnings Per Share	1.13	0.97	0.65	0.61	0.72	0.77
EPS Growth	22.83%	49.23%	7.40%	-15.46%	-7.62%	36.36%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	61.61	64.28	33.13	53.73	9.63	67.59
Total Debt	0	0	10.25	35.25	24.95	21.95
Net Cash (Debt)	61.61	64.28	22.88	18.48	-15.32	45.64
Net Cash Growth	133.11%	180.93%	23.82%	-	-	245.07%
Net Cash Per Share	8.72	8.55	3.00	2.33	-1.92	5.72

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	10.07	8	2.51	6.21	8.21	8.55
Capital Expenditures	-0.44	-0.56	0.04	-0.39	-0.41	-0.63
Free Cash Flow	9.64	7.44	2.55	5.81	7.8	7.92
Free Cash Flow Growth	210.11%	191.80%	-56.16%	-25.45%	-1.58%	52.27%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	34.87%	31.24%	22.70%	22.18%	26.10%	30.47%
Profit Margin	28.70%	25.94%	19.08%	17.19%	21.69%	25.22%
FCF Margin	0.00%	26.55%	9.86%	20.74%	29.63%	32.30%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.360	0.270	0.531	-	0.384	0.421
Dividend Per Share Growth	1.21%	-49.19%	-	-	-8.77%	14.01%
Dividend Yield	2.10%	1.52%	1.40%	0.00%	2.03%	1.24%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	15.01	15.11	15.62	14.29	12.45	14.19
P/FCF Ratio	13.08	15.44	30.94	11.46	8.83	10.71
PS Ratio	4.21	4.10	3.05	2.38	2.62	3.46