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Lake Shore Bancorp, Inc. (LSBK)
NASDAQ: LSBK · Real-Time Price · USD
18.75
+0.15 (0.81%)
Nov 2, 2026, 4:00 PM EST - Market closed

Lake Shore Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
29.9128.0225.8528.0426.3224.53
Revenue Growth
7.68%8.40%-7.81%6.53%7.28%15.18%
Net Income
8.347.274.934.825.716.19
Earnings Per Share
1.140.970.650.610.720.78
EPS Growth
28.21%49.51%6.97%-15.46%-7.63%37.20%

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
57.6964.2833.1353.739.6367.59
Total Debt
-1.0611.5735.9738.4923.17
Net Cash (Debt)
57.6963.2321.5617.76-28.8644.42
Net Cash Growth
-29.34%193.26%21.37%--242.57%
Net Cash Per Share
7.878.412.832.24-3.625.57

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-82.516.218.218.55
Capital Expenditures
--0.56--0.39-0.41-0.63
Free Cash Flow
-7.442.515.817.87.92
Free Cash Flow Growth
-196.57%-56.86%-25.45%-1.58%52.27%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
27.90%25.94%19.08%17.19%21.69%25.22%
FCF Margin
-26.55%9.70%20.74%29.63%32.30%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.3600.2700.531-0.3840.421
Dividend Per Share Growth
15.07%-49.19%---8.77%14.01%
Dividend Yield
1.92%1.85%5.24%-4.31%3.83%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
16.4514.7515.7213.5811.8313.42
P/FCF Ratio
13.1414.4130.9111.258.6610.48
PS Ratio
4.613.833.002.332.573.39