Lake Shore Bncop Financials
This page shows Lake Shore Bncop (LSBK) financial statements, including the 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 aggressive expansion drove FY2025, as liquidity rose, debt disappeared, and profit converted into cash.
The least obvious shift is that higher earnings did not lift shareholder returns proportionally: net income climbed to$7.3M from$4.9M , but ROE slipped to5.1% from5.5% because equity expanded to$141.6M from$89.9M . That means the company became better capitalized faster than it became more profitable, pointing to a more conservative balance-sheet posture but a lower return on each dollar of equity.
Cash conversion improved materially: operating cash flow reached
Funding became less debt-dependent as cash nearly doubled to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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 carries a low D/E ratio of 0.00, meaning only $0.00 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Lake Shore Bncop generates a 5.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is down from 5.5% the prior year.
Lake Shore Bncop passes 5 of 9 financial strength tests. 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.
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.
Lake Shore Bncop had 8M shares outstanding in fiscal year 2025. This represents an increase of 0.8% from the prior year.
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.
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.
LSBK Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $9.1M-4.3% | $9.5M+1.1% | $9.4M+2.7% | $9.1M+8.8% | $8.4M | N/A | $8.9M+1.1% | $8.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $3.3M+10.8% | $3.0M+4.6% | $2.9M0.0% | $2.9M-2.1% | $2.9M | N/A | $2.7M+3.2% | $2.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $2.4M-15.5% | $2.8M-5.4% | $3.0M+0.4% | $3.0M+2.9% | $2.9M | N/A | $3.5M-2.3% | $3.5M |
| Income Tax | $430K+4.4% | $412K-15.4% | $487K+28.8% | $378K+83.5% | $206K | N/A | $258K+19.4% | $216K |
| Net Income | $1.9M-0.6% | $1.9M-18.0% | $2.4M+22.9% | $1.9M+81.6% | $1.1M | N/A | $1.3M+19.4% | $1.1M |
| EPS (Diluted) | $0.26 | N/A | $0.32-5.9% | $0.34+142.9% | $0.14 | N/A | $0.18-5.3% | $0.19 |
LSBK Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $722.0M-0.7% | $727.3M-2.1% | $742.8M+1.1% | $734.8M | N/A | $685.5M | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $61.6M-4.2% | $64.3M-23.1% | $83.6M+11.0% | $75.4M+147.7% | $30.4M-8.2% | $33.1M-55.0% | $73.7M+20.8% | $61.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $579.6M-1.0% | $585.7M-3.0% | $603.5M-6.0% | $642.0M | N/A | $595.6M | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | $0-100.0% | $2.0M0.0% | $2.0M | N/A | $10.3M | N/A | N/A |
| Total Equity | $142.4M+0.5% | $141.6M+1.7% | $139.3M+50.0% | $92.9M+2.5% | $90.7M+0.9% | $89.9M0.0% | $89.9M+3.4% | $86.9M |
| Retained Earnings | $89.7M+1.4% | $88.4M+1.5% | $87.1M+2.0% | $85.4M | N/A | $82.8M | N/A | N/A |
LSBK Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.8M+29.8% | $2.1M-35.6% | $3.3M+86.3% | $1.8M+149.6% | $718K-78.8% | $3.4M+338.7% | -$1.4M | N/A |
| Capital Expenditures | $8K | N/A | $41K-89.4% | $386K+157.3% | $150K | N/A | $0 | N/A |
| Free Cash Flow | $2.8M | N/A | $3.3M+134.6% | $1.4M+147.5% | $568K | N/A | -$1.4M | N/A |
| Investing Cash Flow | $2.6M+177.6% | -$3.4M-390.6% | $1.2M+456.8% | -$324K+94.2% | -$5.6M+18.0% | -$6.8M-193.0% | $7.4M | N/A |
| Financing Cash Flow | -$8.1M+55.5% | -$18.1M-580.6% | $3.8M-91.3% | $43.5M+1894.1% | $2.2M+105.9% | -$37.1M-649.5% | $6.8M | N/A |
| Dividends Paid | $662K+0.8% | $657K-0.2% | $658K | $0-100.0% | $361K+0.3% | $360K-0.3% | $361K | N/A |
| Share Buybacks | $32K+1500.0% | $2K | $0-100.0% | $16K-54.3% | $35K+1066.7% | $3K | $0 | N/A |
LSBK Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 21.2%+0.8pp | 20.4%-4.8pp | 25.2%+4.2pp | 21.1%+8.4pp | 12.6% | N/A | 15.0%+2.3pp | 12.8% |
| Return on Equity | 1.4%-0.0pp | 1.4%-0.3pp | 1.7%-0.4pp | 2.1%+0.9pp | 1.2% | N/A | 1.5%+0.2pp | 1.3% |
| Return on Assets | 0.3%0.0pp | 0.3%-0.1pp | 0.3%+0.1pp | 0.3% | N/A | N/A | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 4.07+4.1 | 0.00-0.0 | 0.010.0 | 0.02 | N/A | 0.11 | N/A | N/A |
| FCF Margin | 30.7% | N/A | 35.3%+19.8pp | 15.4%+8.7pp | 6.8% | N/A | -16.0% | N/A |
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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 9, indicating neutral financial health. 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 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.