Lake Shore Bncop Financials
Lake Shore Bncop (LSBK) reported $36.3M in revenue for fiscal year 2025, up 4.2% from the prior fiscal year. 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).
Balance-sheet strengthening rather than faster revenue became the main FY2025 mechanic, with cash accumulation, debt elimination, and capital growth.
From FY2024 to FY2025, equity climbed far faster than retained earnings: total equity increased by$51.8M while retained earnings rose only$5.6M . That gap means the stronger capital base came from more than current-year profit retention, pointing to balance-sheet revaluation or other capital movements alongside earnings.
The operating story improved in a way headline profit alone misses: in FY2024, operating cash flow lagged net income, but in FY2025 it slightly exceeded it, so accounting earnings converted into cash more cleanly. FY2025 produced
With
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 Bncop'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 Bncop passes 5 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, neither operating efficiency signal passes.
For every $1 of reported earnings, Lake Shore Bncop 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 Bncop generated $36.3M in revenue in fiscal year 2025. This represents an increase of 4.2% from the prior year.
Lake Shore Bncop reported $7.3M in net income in fiscal year 2025. This represents an increase of 47.4% from the prior year.
Lake Shore Bncop earned $0.97 per diluted share (EPS) in fiscal year 2025. This represents an increase of 49.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Lake Shore Bncop held $64.3M in cash against $0 in long-term debt as of fiscal year 2025.
Lake Shore Bncop paid $0.31 per share in dividends in fiscal year 2025. This represents a decrease of 22.5% from the prior year.
Not reported for fiscal year 2025.
Margins & Returns
Lake Shore Bncop's net profit margin was 20.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.9 percentage points from the prior year.
Lake Shore Bncop's ROE was 5.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Lake Shore Bncop spent $53K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 165.0% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
LSBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Revenue | $37.3M | $36.3M+4.2% | $34.8M | N/A |
| SG&A Expenses | $12.2M | $11.6M+1.4% | $11.5M | N/A |
| Interest Expense | $10.7M | $11.7M-14.7% | $13.7M | N/A |
| Income Tax | $1.8M | $1.5M+58.6% | $935K | N/A |
| Net Income | $8.4M | $7.3M+47.4% | $4.9M+2.3% | $4.8M |
| EPS (Diluted) | — | $0.97+49.2% | $0.65 | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
LSBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 |
|---|---|---|---|
| Total Assets | $727.3M+6.1% | $685.5M | N/A |
| Cash & Equivalents | $64.3M+94.0% | $33.1M-38.3% | $53.7M |
| Total Liabilities | $585.7M-1.7% | $595.6M | N/A |
| Long-Term Debt | $0-100.0% | $10.3M | N/A |
| Total Equity | $141.6M+57.6% | $89.9M+4.2% | $86.3M |
| Retained Earnings | $88.4M+6.8% | $82.8M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, 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.
| Metric | TTM | FY25 | FY24 | FY23 |
|---|---|---|---|---|
| Operating Cash Flow | $10.6M | $8.0M+218.9% | $2.5M | N/A |
| Investing Cash Flow | -$3.0M | -$8.1M-138.5% | $21.1M | N/A |
| Financing Cash Flow | -$10.7M | $31.3M+170.7% | -$44.2M | N/A |
| Dividends Paid | $2.6M | $1.7M+54.9% | $1.1M | N/A |
| Share Buybacks | $84K | $53K+165.0% | $20K | N/A |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
LSBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 |
|---|---|---|---|
| Net Margin | 20.0%+5.9pp | 14.2% | N/A |
| Return on Equity | 5.1%-0.4pp | 5.5%-0.1pp | 5.6% |
| Return on Assets | 1.0%+0.3pp | 0.7% | N/A |
| Debt-to-Equity | 0.00-0.1x | 0.11 | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
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Where Lake Shore Bncop Ranks
Frequently Asked Questions
What is Lake Shore Bncop's annual revenue?
Lake Shore Bncop (LSBK) reported $36.3M in total revenue for fiscal year 2025. This represents a 4.2% 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 Bncop's revenue growing?
Lake Shore Bncop (LSBK) revenue grew by 4.2% year-over-year, from $34.8M to $36.3M in fiscal year 2025.
Is Lake Shore Bncop profitable?
Yes, Lake Shore Bncop (LSBK) reported a net income of $7.3M in fiscal year 2025, with a net profit margin of 20.0%.
How much debt does Lake Shore Bncop have?
As of fiscal year 2025, Lake Shore Bncop (LSBK) had $64.3M in cash and equivalents against $0 in long-term debt.
What is Lake Shore Bncop's net profit margin?
Lake Shore Bncop (LSBK) had a net profit margin of 20.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Lake Shore Bncop pay dividends?
Yes, Lake Shore Bncop (LSBK) paid $0.31 per share in dividends during fiscal year 2025.
What is Lake Shore Bncop's return on equity (ROE)?
Lake Shore Bncop (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 Bncop's operating cash flow?
Lake Shore Bncop (LSBK) generated $8.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Lake Shore Bncop's total assets?
Lake Shore Bncop (LSBK) had $727.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What is Lake Shore Bncop's debt-to-equity ratio?
Lake Shore Bncop (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 Bncop's return on assets (ROA)?
Lake Shore Bncop (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 Bncop's Piotroski F-Score?
Lake Shore Bncop (LSBK) has a Piotroski F-Score of 5 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 Bncop's earnings high quality?
Lake Shore Bncop (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 Bncop?
Lake Shore Bncop (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.