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 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
Net Interest Income	26.53	24.57	21.06	24.36	24.34	21.99
Net Interest Income Growth	18.92%	16.63%	-13.53%	0.08%	10.66%	10.35%
Non-Interest Income	2.48	3.27	3.3	2.64	2.7	3.19
Non-Interest Income Growth	-25.65%	-0.94%	25.39%	-2.55%	-15.18%	6.55%
Revenues Before Loan Losses	29.01	27.84	24.37	26.99	27.04	25.18
Provision for Credit Losses	-0.22	-0.18	-1.48	-1.04	0.73	0.65
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%
Compensation Expenses	9.15	11.61	11.45	11.25	9.85	9
Selling, General & Admin	4.74	6.35	6.76	8.39	7.56	6.66
Other Non-Interest Expenses	1	1.31	1.77	2.17	2.03	1.4
Total Non-Interest Expense	19.76	19.27	19.98	21.82	19.45	17.06
Pretax Income	10.19	8.75	5.87	6.22	6.87	7.48
Provision for Income Taxes	1.81	1.48	0.94	1.4	1.16	1.29
Net Income	8.39	7.27	4.93	4.82	5.71	6.19
Net Income to Common	8.39	7.27	4.93	4.82	5.71	6.19
Net Income Growth	45.21%	47.41%	2.30%	-15.56%	-7.74%	35.74%
Shares Outstanding (Basic)	7	8	8	8	8	8
Shares Outstanding (Diluted)	7	8	8	8	8	8
Shares Change	11.21%	-1.28%	-3.99%	-0.41%	-0.14%	-1.13%
EPS (Basic)	1.13	0.97	0.65	0.61	0.72	0.77
EPS (Diluted)	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%
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	0.360	0.270	0.531	-	0.384	0.421
Dividend Growth	1.21%	-49.19%	-	-	-8.77%	14.01%
Profit Margin	28.70%	25.94%	19.08%	17.19%	21.69%	25.22%
FCF Margin	-	26.55%	9.86%	20.74%	29.63%	32.30%
Effective Tax Rate	17.71%	16.94%	15.94%	22.50%	16.91%	17.23%

SEC Filings: 10-K · 10-Q