Lake Shore Bancorp, Inc. (LSBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LSBK SEC filings page.
Lake Shore Bancorp, Inc. (LSBK) reported $29.7M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 earnings grew faster than assets, while lower liabilities and improved cash conversion strengthened the bank’s reported financial position.
Net profit margin widened from20.2% to26.1% , showing that earnings improvement outpaced the underlying revenue base. Operating cash flow climbed from$2.5M to$8.0M , moving from roughly half of net income to slightly above it; that shift suggests FY2025 earnings translated into cash more fully than in FY2024.
Assets grew
Revenue increased
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Lake Shore Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Lake Shore Bancorp, Inc. earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Lake Shore Bancorp, Inc. scores 52/100 among other banks.
Lake Shore Bancorp, Inc. reported revenue of $27.8M in fiscal year 2025, against $24.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Lake Shore Bancorp, Inc. scores 72/100 among other banks.
Lake Shore Bancorp, Inc. funded 19.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $141.6M of equity against $727.3M of assets. Capital ranks banks on that cushion, and Lake Shore Bancorp, Inc. scores 84/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Lake Shore Bancorp, Inc. scores 22/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Lake Shore Bancorp, Inc. scores 91/100 on it among other banks.
Lake Shore Bancorp, Inc. reported net income of $7.3M in fiscal year 2025, against $4.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Lake Shore Bancorp, Inc. scores 59/100 among other banks.
Lake Shore Bancorp, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Lake Shore Bancorp, Inc. generates $1.10 in operating cash flow ($8.0M OCF vs $7.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Lake Shore Bancorp, Inc. generated $7.6M in revenue in Q2 2026. This represents an increase of 10.4% from the same quarter a year earlier. Against the prior quarter it is up 3.8%.
Lake Shore Bancorp, Inc. reported $2.2M in net income in Q2 2026. This represents an increase of 13.2% from the same quarter a year earlier. Against the prior quarter it is up 13.0%.
Lake Shore Bancorp, Inc. earned $0.29 per diluted share (EPS) in Q2 2026. This represents an increase of 16.0% from the same quarter a year earlier. Against the prior quarter it is up 11.5%.
Not reported for Q2 2026.
Cash & Balance Sheet
Lake Shore Bancorp, Inc. generated $2.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 60.7% from the same quarter a year earlier. Against the prior quarter it is down 18.8%.
Lake Shore Bancorp, Inc. held $72.2M in cash as of Q2 2026; long-term debt is not reported for that period.
Lake Shore Bancorp, Inc. paid $0.09 per share in dividends in Q2 2026. It is unchanged from the prior quarter.
Margins & Returns
Lake Shore Bancorp, Inc.'s net profit margin was 28.4% in Q2 2026, showing the share of revenue converted to profit. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.3 percentage points.
Lake Shore Bancorp, Inc.'s ROE was 1.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Lake Shore Bancorp, Inc. spent $50K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 212.5% from the same quarter a year earlier. Against the prior quarter it is up 56.3%.
Lake Shore Bancorp, Inc. invested $80K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 79.3% from the same quarter a year earlier. Against the prior quarter it is up 900.0%.
Not reported for Q2 2026.
LSBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $7.6M+10.4% | $7.4M+19.0% | $7.3M | $7.4M+20.2% | $6.9M+16.5% | $6.2M | N/A | $6.2M |
| SG&A Expenses | $3.1M+8.3% | $3.3M+13.4% | $3.0M | $2.9M+4.1% | $2.9M+7.5% | $2.9M | N/A | $2.7M |
| Interest Expense | $2.5M-16.4% | $2.4M-17.5% | $2.8M | $3.0M-13.6% | $3.0M-15.9% | $2.9M | N/A | $3.5M |
| Income Tax | $477K+26.2% | $430K+108.7% | $412K | $487K+88.8% | $378K+75.0% | $206K | N/A | $258K |
| Net Income | $2.2M+13.2% | $1.9M+81.9% | $1.9M | $2.4M+77.1% | $1.9M+72.0% | $1.1M+4.2% | N/A | $1.3M |
| EPS (Basic) | $0.29+16.0% | $0.26+85.7% | $0.27+42.1% | $0.32+77.8% | $0.25+31.6% | $0.14 | $0.19 | $0.18 |
| EPS (Diluted) | $0.29+16.0% | $0.26+85.7% | $0.27+42.1% | $0.32+77.8% | $0.25+31.6% | $0.14 | $0.19 | $0.18 |
| Diluted Shares (Avg) | 7M-3.7% | 7M-3.8% | N/A | 7M-3.2% | 8M+30.5% | 8M | N/A | 8M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
LSBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $736.7M+0.2% | $722.0M | $727.3M+6.1% | $742.8M | $734.8M | N/A | $685.5M | N/A |
| Cash & Equivalents | $72.2M-4.2% | $61.6M+102.5% | $64.3M+94.0% | $83.6M+13.5% | $75.4M+23.6% | $30.4M | $33.1M | $73.7M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $591.9M-7.8% | $579.6M | $585.7M-1.7% | $603.5M | $642.0M | N/A | $595.6M | N/A |
| Long-Term Debt | N/A | N/A | $0-100.0% | $2.0M | $2.0M | N/A | $10.3M | N/A |
| Total Equity | $144.8M+55.9% | $142.4M+57.0% | $141.6M+57.6% | $139.3M+55.0% | $92.9M+6.8% | $90.7M+4.8% | $89.9M | $89.9M |
| Retained Earnings | $91.2M+6.7% | $89.7M | $88.4M+6.8% | $87.1M | $85.4M | N/A | $82.8M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.
LSBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.3M+30.5% | $2.8M+288.6% | $2.1M-36.5% | $3.3M+335.6% | $1.8M | $718K | $3.4M | -$1.4M |
| Capital Expenditures | $80K-79.3% | $8K-94.7% | N/A | $41K | $386K | $150K | N/A | $0 |
| Free Cash Flow | $2.3M+60.7% | $2.8M+389.8% | N/A | $3.3M+332.7% | $1.4M | $568K | N/A | -$1.4M |
| Investing Cash Flow | -$3.4M-957.7% | $2.6M+146.5% | -$3.4M+50.8% | $1.2M-84.3% | -$324K | -$5.6M | -$6.8M | $7.4M |
| Financing Cash Flow | $11.7M-73.0% | -$8.1M-470.1% | -$18.1M+51.1% | $3.8M-44.1% | $43.5M | $2.2M | -$37.1M | $6.8M |
| Dividends Paid | $663K | $662K+83.4% | $657K+82.5% | $658K+82.3% | $0 | $361K | $360K | $361K |
| Share Buybacks | $50K+212.5% | $32K-8.6% | $2K-33.3% | $0 | $16K | $35K | $3K | $0 |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.
LSBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.4%+0.7pp | 26.1%+9.0pp | 26.5% | 31.8%+10.2pp | 27.7%+8.9pp | 17.1% | N/A | 21.6% |
| Return on Equity | 1.5%-0.6pp | 1.4%+0.2pp | 1.4% | 1.7%+0.2pp | 2.1%+0.8pp | 1.2%0.0pp | N/A | 1.5% |
| Return on Assets | 0.3%0.0pp | 0.3% | 0.3% | 0.3% | 0.3% | N/A | N/A | N/A |
| Debt-to-Equity | 4.09+4.1x | 4.07 | 0.00-0.1x | 0.01 | 0.02 | N/A | 0.11 | N/A |
| Asset Turnover | 0.010.0x | 0.01 | 0.01 | 0.01 | 0.01 | N/A | N/A | N/A |
| FCF Margin | 29.6%+9.2pp | 37.8%+28.6pp | N/A | 44.5%+67.4pp | 20.3% | 9.2% | N/A | -22.9% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Lake Shore Bancorp, Inc. LSBK | FY2025 | $27.8M | $7.3M | 26.1% | $141.0M | 63/100 |
| Riverview Bancorp Inc RVSB | FY2026 | $43.1M | -$4.3M | -10.1% | $116.9M | 25/100 |
| Pathfinder Bancorp Inc PBHC | FY2025 | $46.8M | -$1.9M | -4.1% | $106.0M | 20/100 |
| Magyar Bancorp, Inc. MGYR | FY2025 | $54.7M | $9.8M | 17.8% | $125.0M | 56/100 |
| Provident Financial Hldgs PROV | FY2026 | $40.1M | $6.7M | 16.6% | $114.5M | 30/100 |
| CFSB Bancorp, Inc. CFSB | FY2025 | $7.7M | -$265K | -3.5% | $93.3M | 22/100 |
Where Lake Shore Bancorp, Inc. Ranks
Frequently Asked Questions
What is Lake Shore Bancorp, Inc.'s annual revenue?
Lake Shore Bancorp, Inc. (LSBK) reported $27.8M in total revenue for fiscal year 2025. This represents a 14.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Lake Shore Bancorp, Inc.'s revenue growing?
Lake Shore Bancorp, Inc. (LSBK) revenue grew by 14.2% year-over-year, from $24.4M to $27.8M in fiscal year 2025.
Is Lake Shore Bancorp, Inc. profitable?
Yes, Lake Shore Bancorp, Inc. (LSBK) reported a net income of $7.3M in fiscal year 2025, with a net profit margin of 26.1%.
How much debt does Lake Shore Bancorp, Inc. have?
As of fiscal year 2025, Lake Shore Bancorp, Inc. (LSBK) had $64.3M in cash and equivalents against $0 in long-term debt.
What is Lake Shore Bancorp, Inc.'s net profit margin?
Lake Shore Bancorp, Inc. (LSBK) had a net profit margin of 26.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Lake Shore Bancorp, Inc. pay dividends?
Yes, Lake Shore Bancorp, Inc. (LSBK) paid $0.31 per share in dividends during fiscal year 2025.
What is Lake Shore Bancorp, Inc.'s return on equity (ROE)?
Lake Shore Bancorp, Inc. (LSBK) has a return on equity of 5.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Lake Shore Bancorp, Inc.'s operating cash flow?
Lake Shore Bancorp, Inc. (LSBK) generated $8.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Lake Shore Bancorp, Inc.'s total assets?
Lake Shore Bancorp, Inc. (LSBK) had $727.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What is Lake Shore Bancorp, Inc.'s debt-to-equity ratio?
Lake Shore Bancorp, Inc. (LSBK) had a debt-to-equity ratio of 0.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Lake Shore Bancorp, Inc.'s return on assets (ROA)?
Lake Shore Bancorp, Inc. (LSBK) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Lake Shore Bancorp, Inc.'s P/E ratio?
Lake Shore Bancorp, Inc. (LSBK) trades at 16.8x earnings, its market capitalization divided by net income of $8.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $141.0M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Lake Shore Bancorp, Inc.'s price-to-sales ratio?
Lake Shore Bancorp, Inc. (LSBK) trades at 4.7x sales, its market capitalization divided by revenue of $29.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $141.0M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Lake Shore Bancorp, Inc.'s Piotroski F-Score?
Lake Shore Bancorp, Inc. (LSBK) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Lake Shore Bancorp, Inc.'s earnings high quality?
Lake Shore Bancorp, Inc. (LSBK) has an earnings quality ratio of 1.10x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Lake Shore Bancorp, Inc.?
Lake Shore Bancorp, Inc. (LSBK) scores 63 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.