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	Mar 18, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Cap	84	58	49	51	63	56
Market Cap Growth	-9.38%	18.35%	-3.24%	-18.82%	12.00%	-16.49%
Enterprise Value	19.63	68.46	84.44	75.78	84.57	85.66
Last Close Price	14.57	10.15	8.65	8.91	11.00	9.60
PE Ratio	15.02	11.53	10.55	9.19	10.48	12.47
PS Ratio	2.99	2.27	1.75	1.93	2.55	2.55
PB Ratio	0.75	0.65	0.57	0.63	0.71	0.65
P/TBV Ratio	0.92	0.64	0.59	0.65	0.74	0.67
P/FCF Ratio	-	22.84	8.46	6.52	7.90	10.74
P/OCF Ratio	-	23.21	7.93	6.20	7.32	9.98
EV/Sales Ratio	0.70	2.67	3.01	2.88	3.45	3.91
EV/EBITDA Ratio	-	92.64	104.63	88.53	97.76	101.97
EV/FCF Ratio	-	26.86	14.52	9.72	10.67	16.46
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	1.26	4.02	6.06	3.20	2.77	5.72
Net Debt / Equity Ratio	0.04	0.11	0.41	0.31	0.25	0.35
Net Debt / EBITDA Ratio	5.71	13.87	43.68	29.15	25.38	35.42
Net Debt / FCF Ratio	1.26	4.02	6.06	3.20	2.77	5.72
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.03
Return on Equity (ROE)	5.51%	5.60%	5.76%	6.75%	7.12%	5.40%
Earnings Yield	8.66%	8.67%	9.48%	10.89%	9.55%	8.02%
FCF Yield	-	4.38%	11.82%	15.34%	12.65%	9.31%
Dividend Yield	2.47%	1.90%	0.00%	2.75%	1.67%	1.80%
Payout Ratio	27.84%	21.94%	0.00%	25.23%	17.52%	22.62%
Buyback Yield / Dilution	0.07%	0.03%	0.12%	0.17%	3.61%	2.83%
Total Shareholder Return	2.54%	1.93%	0.12%	2.92%	5.28%	4.63%

Updated Nov 12, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q