Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 10, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Cap	100	79	70	69	85	76
Market Cap Growth	47.09%	13.31%	0.99%	-18.81%	12.03%	-16.48%
Enterprise Value	26.53	89.05	104.79	93.81	106.77	105.46
Last Close Price	12.88	13.74	12.23	12.07	14.90	13.00
PE Ratio	12.33	15.61	14.91	12.44	14.19	16.88
PS Ratio	2.69	3.07	2.48	2.65	3.48	3.43
PB Ratio	0.79	0.88	0.81	0.85	0.96	0.88
P/TBV Ratio	0.81	0.86	0.83	0.87	1.00	0.90
P/FCF Ratio	25.32	31.42	11.21	8.83	10.70	14.55
P/OCF Ratio	22.32	31.42	11.21	8.39	9.92	13.51
EV/Sales Ratio	1.00	3.47	3.73	3.61	4.38	4.78
EV/EBITDA Ratio	-	120.50	129.86	109.59	123.43	125.55
EV/FCF Ratio	6.72	35.51	16.89	12.03	13.47	20.27
Debt / Equity Ratio	0.04	0.11	0.41	0.31	0.25	0.35
Debt / EBITDA Ratio	5.71	13.87	43.68	29.15	25.38	35.42
Debt / FCF Ratio	1.23	4.09	5.68	3.20	2.77	5.72
Asset Turnover	0.04	0.04	0.04	0.04	0.03	0.03
Return on Equity (ROE)	5.51%	5.60%	5.76%	6.75%	7.12%	5.40%
Earnings Yield	5.78%	6.40%	6.70%	8.04%	7.05%	5.92%
FCF Yield	3.95%	3.18%	8.92%	11.33%	9.34%	6.87%
Dividend Yield	2.79%	1.40%	0.00%	2.03%	1.24%	1.33%
Payout Ratio	42.98%	21.94%	0.00%	25.23%	17.52%	22.62%
Buyback Yield / Dilution	0.00%	0.03%	0.08%	0.12%	2.66%	2.09%
Total Shareholder Return	2.79%	1.43%	0.08%	2.15%	3.90%	3.42%

Updated May 15, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q