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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 8, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	112	84	58	49	51	63
Market Cap Growth	23.47%	45.04%	18.35%	-3.24%	-18.82%	12.00%
Enterprise Value	49.85	84.43	68.46	84.44	75.78	84.57
Last Close Price	15.32	14.66	10.15	8.65	8.91	11.00
PE Ratio	15.91	15.11	15.62	14.29	12.45	14.19
PS Ratio	4.04	3.01	2.25	1.75	1.93	2.55
PB Ratio	0.80	0.60	0.65	0.57	0.63	0.71
P/TBV Ratio	0.76	0.78	0.86	0.80	0.87	1.00
P/FCF Ratio	15.20	11.35	22.84	8.46	6.52	7.90
P/OCF Ratio	14.14	10.56	23.21	7.93	6.20	7.32
EV/Sales Ratio	1.78	3.01	2.65	3.01	2.88	3.45
EV/EBITDA Ratio	-	137.96	92.64	104.63	88.53	97.76
EV/FCF Ratio	6.70	11.35	26.86	14.52	9.72	10.67
Debt / Equity Ratio	-	0	0.11	0.41	0.31	0.25
Debt / EBITDA Ratio	-	-	13.87	43.68	29.15	25.38
Debt / FCF Ratio	-	-	4.02	6.06	3.20	2.77
Net Debt / Equity Ratio	-	-	0.11	0.41	0.31	0.25
Net Debt / EBITDA Ratio	-	-	13.87	43.68	29.15	25.38
Net Debt / FCF Ratio	-	-	4.02	6.06	3.20	2.77
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04
Return on Equity (ROE)	6.28%	6.28%	5.60%	5.76%	6.75%	7.12%
Earnings Yield	6.43%	6.62%	6.40%	7.00%	8.04%	7.05%
FCF Yield	6.58%	8.81%	4.38%	11.82%	15.34%	12.65%
Dividend Yield	2.34%	1.52%	1.40%	0.00%	2.03%	1.24%
Payout Ratio	27.90%	23.06%	21.94%	0.00%	25.23%	17.52%
Buyback Yield / Dilution	1.28%	1.28%	3.99%	0.41%	0.14%	1.13%
Total Shareholder Return	3.62%	2.80%	5.39%	0.41%	2.17%	2.37%

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

SEC Filings: 10-K · 10-Q