LSBK

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Lake Shore Bancorp, Inc.

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Key Metrics

Previous Close: $17.24
52-Week Range: $12.50 – $17.96
Market Cap: $135.40M
P/E (TTM): 15.12
EPS (TTM): 1.14
Dividend Yield: 2.09%

Advanced Metrics

Price/Book: 0.89
PEG Ratio: —
Return on Equity: 7.06%
Return on Assets: 1.14%
Gross Margin: 0.00%
Operating Margin: 36.20%
Profit Margin: 28.01%
Current Ratio: —
Debt/Equity: —
Total Debt: $0.00
Free Cash Flow: —
Revenue Growth: 8.70%
Earnings Growth: 16.00%
Enterprise Value: $54.65M

LSBK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$27.04M	$26.99M	$24.37M	$27.84M
Selling, General & Admin	$10.84M	$12.95M	$12.34M	$11.97M
Pretax Income	$6.87M	$6.22M	$5.87M	$8.75M
Income Tax	$1.16M	$1.40M	$935.00K	$1.48M
Net Income	$5.71M	$4.82M	$4.93M	$7.27M
Diluted EPS	0.97	0.82	0.88	0.97
Diluted Shares	5.88M	5.88M	5.60M	7.49M

LSBK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$9.63M	$53.73M	$33.13M	$64.28M
Receivables	$2.80M	$2.83M	$2.82M	$3.01M
Total Assets	$699.91M	$725.12M	$685.50M	$727.32M
Long-Term Debt	$24.95M	$35.25M	$10.25M	—
Total Debt	$37.55M	$35.25M	$10.25M	—
Total Liabilities	$618.73M	$638.85M	$595.64M	$585.68M
Retained Earnings	$74.86M	$78.96M	$82.81M	$88.40M
Shareholders' Equity	$81.18M	$86.27M	$89.87M	$141.64M
Net Debt	$27.91M	—	—	—

LSBK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$8.21M	$6.21M	$2.51M	$8.00M
Capital Expenditure	-$406.00K	-$391.00K	—	-$560.00K
Free Cash Flow	$7.80M	$5.81M	$2.51M	$7.44M
Depreciation & Amortisation	$856.00K	$807.00K	$739.00K	$612.00K
Stock-Based Compensation	$335.00K	$103.00K	$345.00K	$558.00K
Investing Cash Flow	-$57.20M	$19.52M	$21.12M	-$8.13M
Financing Cash Flow	-$8.95M	$18.37M	-$44.22M	$31.28M
Dividends Paid	-$1.44M	$0.00	-$1.08M	-$1.68M
Share Repurchases	-$85.00K	-$58.00K	-$20.00K	-$53.00K
Net Change in Cash	-$57.95M	$44.10M	-$20.60M	$31.15M

LSBK Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$6.92M	$7.42M	$7.31M	$7.36M	—
Selling, General & Admin	$2.94M	$2.95M	$3.08M	$3.39M	—
Pretax Income	$2.30M	$2.85M	$2.35M	$2.35M	—
Income Tax	$378.00K	$487.00K	$411.00K	$430.00K	—
Net Income	$1.92M	$2.36M	$1.93M	$1.92M	—
Diluted EPS	0.34	0.32	0.26	0.26	0.29
Diluted Shares	5.64M	7.37M	7.44M	7.40M	7.49M

LSBK Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$30.43M	$75.37M	$83.64M	$64.28M	$61.61M
Receivables	$2.93M	$2.88M	$3.00M	$3.01M	$3.00M
Total Assets	$689.00M	$734.84M	$742.80M	$727.32M	$722.01M
Long-Term Debt	$4.00M	$2.00M	$2.00M	—	—
Total Debt	$4.00M	$2.00M	$2.00M	—	—
Total Liabilities	$598.33M	$641.95M	$603.50M	$585.68M	$579.63M
Retained Earnings	$83.50M	$85.42M	$87.12M	$88.40M	$89.66M
Shareholders' Equity	$90.66M	$92.88M	$139.31M	$141.64M	$142.38M

LSBK Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$718.00K	$1.79M	$3.34M	$2.15M	$2.79M
Capital Expenditure	-$150.00K	-$386.00K	-$41.00K	—	-$8.00K
Free Cash Flow	$568.00K	$1.41M	$3.30M	$2.17M	$2.78M
Depreciation & Amortisation	$156.00K	$156.00K	$150.00K	$150.00K	$143.00K
Stock-Based Compensation	$120.00K	$106.00K	$161.00K	$171.00K	$199.00K
Investing Cash Flow	-$5.60M	-$324.00K	$1.16M	-$3.36M	$2.60M
Financing Cash Flow	$2.18M	$43.47M	$3.78M	-$18.15M	-$8.07M
Dividends Paid	-$361.00K	$0.00	-$658.00K	-$657.00K	-$662.00K
Share Repurchases	-$35.00K	-$16.00K	$0.00	-$2.00K	-$32.00K
Net Change in Cash	-$2.70M	$44.94M	$8.27M	-$19.36M	-$2.67M

Market Snapshot

About

Lake Shore Bancorp, Inc. is a community bank holding company serving customers in western New York. The company offers traditional banking products including deposits, residential and commercial loans, and wealth management services. Lake Shore focuses on relationship banking with personalized service for individuals and small businesses.