Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Cash Flow 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 Income	7.27	4.93	4.82	5.71	6.19
Depreciation & Amortization	0.61	0.74	0.81	0.86	0.87
Provision for Credit Losses	-0.18	-1.48	-1.04	0.73	0.65
Stock-Based Compensation	0.56	0.35	0.1	0.34	0.37
Net Change in Loans Held-for-Sale	-	-	-	-0.02	0.33
Other Adjustments	-1.01	-0.59	-0.03	-0.35	-0.1
Changes in Accrued Interest and Accounts Receivable	-0.19	0.02	-0.04	-0.31	0.5
Changes in Other Operating Activities	0.94	-1.45	1.59	1.26	-0.26
Operating Cash Flow	8	2.51	6.21	8.21	8.55
Operating Cash Flow Growth	218.90%	-59.58%	-24.38%	-4.05%	52.62%
Net Change in Loans Held-for-Investment	-10.98	12.02	17.86	-57.76	5.56
Net Change in Securities and Investments	3.8	4.34	13.74	0.64	-10.84
Capital Expenditures	-0.56	0.04	-0.39	-0.41	-0.63
Other Investing Activities	-0.39	4.72	-11.68	0.32	0.17
Investing Cash Flow	-8.13	21.12	19.52	-57.2	-5.74
Net Change in Deposits	0.3	-17.95	20.81	-23.07	32.93
Short-Term Debt Issued	-	-	-12.6	12.6	-
Net Short-Term Debt Issued (Repaid)	-	-	-12.6	12.6	-
Long-Term Debt Issued	-	-	15.25	5	-
Long-Term Debt Repaid	-10.35	-25.09	-5.03	-2.07	-7.8
Net Long-Term Debt Issued (Repaid)	-10.35	-25.09	10.22	2.93	-7.8
Issuance of Common Stock	43.24	-	-	-	-
Repurchase of Common Stock	-0.05	-0.02	-0.06	-0.09	-2.26
Net Common Stock Issued (Repurchased)	43.19	-0.02	-0.06	-0.09	-2.26
Common Dividends Paid	-1.68	-1.08	-	-1.44	-1.08
Other Financing Activities	-0.18	-0.08	-0	0.11	0.02
Financing Cash Flow	31.28	-44.22	18.37	-8.95	21.8
Net Cash Flow	31.15	-20.6	44.1	-57.95	24.61
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%
FCF Margin	26.55%	9.86%	20.74%	29.63%	32.30%
Free Cash Flow Per Share	0.99	0.33	0.73	0.98	0.99
Levered Free Cash Flow	-2.28	-20.82	4.41	22.63	-1.13
Unlevered Free Cash Flow	0.81	-0.65	1.97	1.39	0.49

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

SEC Filings: 10-K · 10-Q