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Lake Shore Bancorp, Inc.(LSBK)Earnings, Financials & Key Ratios
LSBK•NASDAQ•Banking & Credit
18.1× P/E·Price updated Jun 19, 2026
AboutLake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.Show more
- Net Interest Income$25M+16.6%
- Total Revenue$40M+3.8%
- Net Income$7M+47.4%
- Return on Equity6.28%+12.2%
- Net Interest Margin3.38%+9.9%
- Efficiency Ratio48.81%-6.9%
- ROA1.03%+47.2%
- Equity / Assets19.47%+48.5%
- Book Value per Share19.04+61.4%
LSBK Key Insights
Lake Shore Bancorp, Inc. (LSBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 48.8% efficiency ratio
- ✓Well capitalized: 19.5% equity/assets
- ✓Share count reduced 2.4% through buybacks
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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LSBK Price & Volume
Lake Shore Bancorp, Inc. (LSBK) stock price & volume — 10-year historical chart
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LSBK Growth Metrics
Lake Shore Bancorp, Inc. (LSBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.9%
5 Years7.68%
3 Years10.32%
TTM-
Profit CAGR
10 Years8.09%
5 Years9.78%
3 Years8.39%
TTM47.41%
EPS CAGR
10 Years8.62%
5 Years11.38%
3 Years10.06%
TTM52.38%
Return on Capital
10 Years4.42%
5 Years4.73%
3 Years3.93%
Last Year2.08%
LSBK Recent Earnings
Lake Shore Bancorp, Inc. (LSBK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.26
—
Rev
$10M
—
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$0.26
—
Rev
$10M
—
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.32
—
Rev
$10M
—
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$0.34
—
Rev
$10M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.26 | $10M |
| Q1 2026 | Jan 21, 2026 | $0.26 | $10M |
| Q4 2025 | Oct 22, 2025 | $0.32 | $10M |
| Q3 2025 | Jul 23, 2025 | $0.34 | $10M |
Based on last 12 quarters of dataView full earnings history →
LSBK Peer Comparison
Lake Shore Bancorp, Inc. (LSBK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 NECB | 356.09M | 25.74 | 7.92 | -1.55% | 28.41% | 13.07% | 0.21 | |
 BWFG | 447.93M | 56.18 | 12.62 | 6.13% | 16.95% | 12.21% | 0.60 | |
 KRNY | 532.62M | 8.47 | 20.17 | 5.09% | 9.41% | 4.31% | 1.68 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CHMG | 341.44M | 70.97 | 22.67 | -6.46% | 10.79% | 6.27% | 0.02 | |
 FISI | 735.42M | 37.36 | 10.35 | 43.07% | 19.86% | 12.26% | 0.53 | |
 TRST | 925.2M | 52.24 | 16.07 | 5.77% | 21.97% | 8.86% | 0.28 |
Compare LSBK vs Peers
Lake Shore Bancorp, Inc. (LSBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LSBK Income Statement
Lake Shore Bancorp, Inc. (LSBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 16.78M | 17.93M | 19.07M | 19.93M | 21.99M | 24.34M | 24.36M | 21.06M | 24.56M |
NII Growth % | 10.21% | 6.89% | 6.33% | 4.52% | 10.35% | 10.66% | 0.08% | -13.53% | 16.62% |
Net Interest Margin % | 3.23% | 3.29% | 3.12% | 2.9% | 3.08% | 3.48% | 3.36% | 3.07% | 3.38% |
Interest Income | 19.41M | 21.54M | 24.27M | 24.34M | 24.66M | 26.75M | 33.76M | 34.8M | 36.28M |
Interest Expense | 2.63M | 3.6M | 5.2M | 4.4M | 2.67M | 2.42M | 9.4M | 13.74M | 11.72M |
Loan Loss Provision | 510K | 390K | 900K | 1.63M | 650K | 725K | -1.04M | -1.48M | -221K |
Non-Interest Income | 2.65M | 2.47M | 2.49M | 2.99M | 3.19M | 2.7M | 2.63M | 3.3M | 3.27M |
Non-Interest Income % | 12.03% | 10.3% | 9.31% | 10.95% | 11.45% | 9.18% | 7.24% | 8.67% | 8.27% |
Total Revenue | 22.06M▲ 0% | 24.01M▲ 8.8% | 26.76M▲ 11.4% | 27.33M▲ 2.1% | 27.85M▲ 1.9% | 29.46M▲ 5.8% | 36.39M▲ 23.5% | 38.11M▲ 4.7% | 39.55M▲ 3.8% |
Revenue Growth % | 2.2% | 8.82% | 11.45% | 2.13% | 1.9% | 5.79% | 23.53% | 4.72% | 3.79% |
Non-Interest Expense | 14.36M | 15.43M | 15.92M | 15.92M | 17.06M | 19.45M | 21.82M | 19.98M | 19.31M |
Efficiency Ratio | 65.09% | 64.28% | 59.49% | 58.24% | 61.25% | 66.02% | 59.95% | 52.43% | 48.81% |
Operating Income | 4.56M▲ 0% | 4.58M▲ 0.5% | 4.74M▲ 3.4% | 5.38M▲ 13.5% | 7.47M▲ 38.9% | 6.87M▼ 8.1% | 6.21M▼ 9.6% | 5.87M▼ 5.6% | 8.75M▲ 49.2% |
Operating Margin % | 20.68% | 19.1% | 17.72% | 19.69% | 26.84% | 23.32% | 17.07% | 15.39% | 22.12% |
Operating Income Growth % | 6.36% | 0.48% | 3.42% | 13.5% | 38.89% | -8.09% | -9.58% | -5.57% | 49.18% |
Pretax Income | 4.56M▲ 0% | 4.58M▲ 0.5% | 4.74M▲ 3.4% | 5.38M▲ 13.5% | 7.47M▲ 38.9% | 6.87M▼ 8.1% | 6.22M▼ 9.5% | 5.87M▼ 5.7% | 8.75M▲ 49.2% |
Pretax Margin % | 20.68% | 19.1% | 17.72% | 19.69% | 26.84% | 23.32% | 17.09% | 15.39% | 22.12% |
Income Tax | 1.19M | 585K | 655K | 824K | 1.29M | 1.16M | 1.4M | 935K | 1.48M |
Effective Tax Rate % | 25.97% | 12.76% | 13.81% | 15.31% | 17.23% | 16.91% | 22.5% | 15.94% | 16.94% |
Net Income | 3.38M▲ 0% | 4M▲ 18.4% | 4.09M▲ 2.2% | 4.56M▲ 11.5% | 6.19M▲ 35.7% | 5.71M▼ 7.7% | 4.82M▼ 15.6% | 4.93M▲ 2.3% | 7.27M▲ 47.4% |
Net Margin % | 15.31% | 16.66% | 15.27% | 16.68% | 22.22% | 19.38% | 13.25% | 12.94% | 18.38% |
Net Income Growth % | -3.9% | 18.41% | 2.17% | 11.52% | 35.74% | -7.74% | -15.56% | 2.3% | 47.41% |
Net Income (Continuing) | 3.38M | 4M | 4.09M | 4.56M | 6.19M | 5.71M | 4.82M | 4.93M | 7.27M |
EPS (Diluted) | 0.41▲ 0% | 0.49▲ 19.5% | 0.50▲ 2.0% | 0.56▲ 12.0% | 1.05▲ 87.5% | 0.72▼ 31.4% | 0.61▼ 15.3% | 0.65▲ 6.6% | 0.96▲ 47.7% |
EPS Growth % | -4.65% | 19.51% | 2.04% | 12% | 87.5% | -31.43% | -15.28% | 6.56% | 47.69% |
EPS (Basic) | 0.41 | 0.49 | 0.50 | 0.56 | 1.05 | 0.72 | 0.61 | 0.65 | 0.96 |
Diluted Shares Outstanding | 8.29M | 8.25M | 8.13M | 8.07M | 7.98M | 7.97M | 7.93M | 7.62M | 7.44M |
LSBK Balance Sheet
Lake Shore Bancorp, Inc. (LSBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 94.7M | 98.32M | 101.49M | 122.21M | 156.38M | 82.68M | 114.17M | 89.63M | 116.82M |
Cash & Due from Banks | 14.28M | 12.12M | 30.29M | 42.98M | 67.58M | 9.63M | 53.73M | 33.13M | 64.28M |
Short Term Investments | 80.42M | 86.19M | 71.2M | 79.23M | 88.8M | 73.05M | 60.44M | 56.49M | 52.54M |
Total Investments | 445.48M | 478.66M | 542.02M | 603.43M | 606.02M | 646.58M | 616.27M | 601.12M | 607.98M |
Investments Growth % | 7.94% | 7.45% | 13.24% | 11.33% | 0.43% | 6.69% | -4.69% | -2.46% | 1.14% |
Long-Term Investments | 365.06M | 392.47M | 470.82M | 524.2M | 517.23M | 573.54M | 555.83M | 544.62M | 555.44M |
Accounts Receivables | 1.8M | 1.91M | 2.15M | 2.99M | 2.48M | 2.8M | 2.83M | 2.82M | 3.01M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 177K | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 177K | 0 |
PP&E (Net) | 9.37M | 9.42M | 9.41M | 8.97M | 8.74M | 8.29M | 7.87M | 7.22M | 0 |
Other Assets | 48.04M | 43.59M | 27M | 27.84M | 28.91M | 32.62M | 44.41M | 41.04M | 107.6M |
Total Current Assets | 96.5M | 100.23M | 103.64M | 125.19M | 158.87M | 85.48M | 117.01M | 92.44M | 64.28M |
Total Non-Current Assets | 422.48M | 445.48M | 507.23M | 561M | 554.87M | 614.44M | 608.11M | 593.06M | 663.04M |
Total Assets | 518.98M▲ 0% | 545.71M▲ 5.2% | 610.87M▲ 11.9% | 686.2M▲ 12.3% | 713.74M▲ 4.0% | 699.91M▼ 1.9% | 725.12M▲ 3.6% | 685.5M▼ 5.5% | 727.32M▲ 6.1% |
Asset Growth % | 6.09% | 5.15% | 11.94% | 12.33% | 4.01% | -1.94% | 3.6% | -5.46% | 6.1% |
Return on Assets (ROA) | 0.67% | 0.75% | 0.71% | 0.7% | 0.88% | 0.81% | 0.68% | 0.7% | 1.03% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 26.95M | 24.65M | 34.65M | 29.75M | 21.95M | 37.55M | 35.25M | 10.25M | 1.33M |
Net Debt | 12.67M | 12.53M | 4.36M | -13.22M | -45.63M | 27.91M | -18.48M | -22.88M | -62.95M |
Long-Term Debt | 26.95M | 24.65M | 34.65M | 29.75M | 21.95M | 24.95M | 35.25M | 10.25M | 594K |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 12.6M | 0 | 0 | 0 |
Other Liabilities | 8.5M | 8.8M | 9.9M | 10.27M | 10.63M | 11.06M | 12.67M | 12.41M | 581.58M |
Total Current Liabilities | 405.15M | 432.46M | 483.48M | 560.26M | 593.18M | 582.72M | 590.92M | 572.98M | 320K |
Total Non-Current Liabilities | 35.45M | 33.45M | 44.55M | 40.02M | 32.58M | 36.02M | 47.92M | 22.66M | 585.36M |
Total Liabilities | 440.6M | 465.9M | 528.03M | 600.28M | 625.76M | 618.73M | 638.85M | 595.64M | 585.68M |
Total Equity | 78.38M▲ 0% | 79.8M▲ 1.8% | 82.84M▲ 3.8% | 85.92M▲ 3.7% | 87.98M▲ 2.4% | 81.18M▼ 7.7% | 86.27M▲ 6.3% | 89.87M▲ 4.2% | 141.64M▲ 57.6% |
Equity Growth % | 3.08% | 1.82% | 3.8% | 3.72% | 2.39% | -7.72% | 6.27% | 4.17% | 57.61% |
Equity / Assets (Capital Ratio) | 15.1% | 14.62% | 13.56% | 12.52% | 12.33% | 11.6% | 11.9% | 13.11% | 19.47% |
Return on Equity (ROE) | 4.38% | 5.06% | 5.03% | 5.4% | 7.12% | 6.75% | 5.76% | 5.6% | 6.28% |
Book Value per Share | 9.45 | 9.68 | 10.19 | 10.65 | 11.03 | 10.19 | 10.87 | 11.80 | 19.04 |
Tangible BV per Share | 9.45 | 9.68 | 10.19 | 10.65 | 11.03 | 10.19 | 10.87 | 11.77 | 19.04 |
Common Stock | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 68K | 78K |
Additional Paid-in Capital | 30.72M | 30.92M | 31.08M | 31.2M | 31.35M | 31.46M | 31.46M | 31.51M | 65.58M |
Retained Earnings | 56.18M | 59.15M | 61.95M | 65.49M | 70.59M | 74.86M | 78.96M | 82.81M | 88.4M |
Accumulated OCI | 791K | 129K | 1.33M | 2.15M | 978K | -10.33M | -9.38M | -9.96M | -7.7M |
Treasury Stock | -7.31M | -8.8M | -10.18M | -11.58M | -13.66M | -13.57M | -13.76M | -13.3M | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
LSBK Cash Flow Statement
Lake Shore Bancorp, Inc. (LSBK) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 5.83M | 6.11M | 5.84M | 5.6M | 8.55M | 8.21M | 6.21M | 2.51M | 8M |
Operating CF Growth % | 35.7% | 4.93% | -4.55% | -3.99% | 52.61% | -4.05% | -24.38% | -59.58% | 218.9% |
Net Income | 3.38M | 4M | 4.09M | 4.56M | 6.19M | 5.71M | 4.82M | 4.93M | 7.27M |
Depreciation & Amortization | 852K | 774K | 809K | 840K | 865K | 1.35M | 807K | 739K | 462K |
Deferred Taxes | 219K | 135K | -41K | -492K | 217K | -187K | 17K | 128K | -154K |
Other Non-Cash Items | 928K | 989K | 1.56M | 2.31M | 1.07M | 400K | -331K | -1.13M | 60K |
Working Capital Changes | -116K | -359K | -1.02M | -1.93M | -167K | 603K | 789K | -2.51M | -26K |
Cash from Investing | -36.46M | -39.09M | -64.73M | -62.14M | -5.74M | -57.2M | 19.52M | 21.12M | -8.13M |
Purchase of Investments | -13.22M | -16.17M | -2.27M | -27.96M | -29.96M | -6.14M | 0 | 0 | 0 |
Sale/Maturity of Investments | 18.51M | 9.43M | 18.83M | 20.91M | 18.82M | 7.51M | 13.7M | 3.2M | 2.32M |
Net Investment Activity | 5.29M | -6.74M | 16.56M | -7.05M | -11.14M | 1.37M | 13.7M | 3.2M | 2.32M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -40.27M | -31.53M | -80.48M | -54.69M | 6.03M | -58.16M | 6.21M | 17.91M | -7.89M |
Cash from Financing | 26.07M | 22.81M | 58.43M | 69.22M | 21.8M | -8.95M | 18.37M | -44.22M | 31.28M |
Dividends Paid | -743K | -880K | -1.27M | -1.02M | -1.08M | -1.44M | 0 | -1.08M | -1.02M |
Share Repurchases | -269K | -1.45M | -1.42M | -1.59M | -2.25M | -85K | -58K | -20K | -51K |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 43.24M |
Net Stock Activity | -269K | -1.45M | -1.42M | -1.59M | -2.25M | -85K | -58K | -20K | 43.19M |
Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | 19.08M | 27.44M | 51.12M | 76.73M | 32.94M | -22.95M | 20.8M | -18.03M | -537K |
Net Change in Cash | -4.57M▲ 0% | -10.16M▼ 122.6% | -462K▲ 95.5% | 12.69M▲ 2845.9% | 24.61M▲ 94.0% | -57.95M▼ 335.5% | 44.1M▲ 176.1% | -20.6M▼ 146.7% | 50.51M▲ 345.2% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 19.36M |
Cash at Beginning | 45.48M | 40.91M | 30.75M | 30.29M | 42.98M | 67.58M | 9.63M | 53.73M | 33.13M |
Cash at End | 40.91M | 30.75M | 30.29M | 42.98M | 67.58M | 9.63M | 53.73M | 33.13M | 64.28M |
Interest Paid | 2.6M | 3.6M | 5.18M | 4.41M | 2.68M | 2.4M | 8.63M | 14.47M | 11.76M |
Income Taxes Paid | 920K | 529K | 770K | 1.1M | 1.35M | 975K | 1.32M | 1.11M | 1.58M |
Free Cash Flow | 4.35M▲ 0% | 5.3M▲ 21.8% | 5.03M▼ 5.1% | 5.2M▲ 3.5% | 7.92M▲ 52.3% | 7.8M▼ 1.6% | 5.81M▼ 25.5% | 2.51M▼ 56.9% | 7.44M▲ 196.6% |
FCF Growth % | 13.62% | 21.83% | -5.1% | 3.54% | 52.27% | -1.58% | -25.45% | -56.86% | 196.57% |
LSBK Banking Ratios
Lake Shore Bancorp, Inc. (LSBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 4.69% | 4.38% | 5.06% | 5.03% | 5.4% | 7.12% | 6.75% | 5.76% | 5.6% | 6.28% |
Return on Assets (ROA) | 0.73% | 0.67% | 0.75% | 0.71% | 0.7% | 0.88% | 0.81% | 0.68% | 0.7% | 1.03% |
Net Interest Margin | 3.11% | 3.23% | 3.29% | 3.12% | 2.9% | 3.08% | 3.48% | 3.36% | 3.07% | 3.38% |
Efficiency Ratio | 64.29% | 65.09% | 64.28% | 59.49% | 58.24% | 61.25% | 66.02% | 59.95% | 52.43% | 48.81% |
Equity / Assets | 15.54% | 15.1% | 14.62% | 13.56% | 12.52% | 12.33% | 11.6% | 11.9% | 13.11% | 19.47% |
Book Value / Share | 9.32 | 9.45 | 9.68 | 10.19 | 10.65 | 11.03 | 10.19 | 10.87 | 11.8 | 19.04 |
NII Growth | 2.66% | 10.21% | 6.89% | 6.33% | 4.52% | 10.35% | 10.66% | 0.08% | -13.53% | 16.62% |
Dividend Payout | 25.26% | 22% | 22% | 31.12% | 22.38% | 17.52% | 25.23% | - | 21.94% | 14.02% |
Related:LSBK Dividend History·LSBK Revenue History·LSBK Price History·LSBK P/E History·LSBK Financial Ratios·LSBK Institutional Holders
LSBK SEC Filings & Documents
Lake Shore Bancorp, Inc. (LSBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
LSBK Frequently Asked Questions
Lake Shore Bancorp, Inc. (LSBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Lake Shore Bancorp, Inc. (LSBK) grew revenue by 3.8% over the past year. Growth has been modest.
Yes, Lake Shore Bancorp, Inc. (LSBK) is profitable, generating $7.3M in net income for fiscal year 2025 (18.4% net margin).
Dividend & Returns
Yes, Lake Shore Bancorp, Inc. (LSBK) pays a dividend with a yield of 0.79%. This makes it attractive for income-focused investors.
Lake Shore Bancorp, Inc. (LSBK) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.
Industry Metrics
Lake Shore Bancorp, Inc. (LSBK) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
Lake Shore Bancorp, Inc. (LSBK) has an efficiency ratio of 48.8%. This is excellent, indicating strong cost control.