Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Lake Shore Bancorp, Inc.'s quarterly P/E stands at 14.1x, up 5.5% year-over-year. EV/EBITDA has compressed 36.7% YoY to 4.6x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.13 | 14.10 | 10.48 | 11.67 | 20.84 | 13.36 | 14.65 | 16.50 | 16.48 | 22.25 | 9.38 | 19.88 | 8.87 |
| — | +5.5% | -28.4% | -29.3% | +26.4% | -40.0% | +56.2% | -17.0% | +85.8% | +49.8% | -15.2% | +61.5% | -58.3% | |
| P/S Ratio | 3.46 | 2.69 | 2.39 | 2.25 | 2.46 | 2.04 | 1.97 | 1.94 | 1.82 | 1.75 | 1.59 | 1.74 | 1.75 |
| — | +31.7% | +21.0% | +16.1% | +34.9% | +16.9% | +23.9% | +11.2% | +4.4% | -18.3% | -37.8% | -39.7% | -46.7% | |
| P/B Ratio | 0.91 | 0.77 | 0.71 | 0.96 | 0.99 | 0.88 | 0.85 | 0.85 | 0.78 | 0.77 | 0.73 | 0.76 | 0.71 |
| — | -12.3% | -15.7% | +13.4% | +25.6% | +13.6% | +16.7% | +12.2% | +10.1% | -8.9% | -26.9% | -26.4% | -32.6% | |
| P/FCF | 18.40 | 12.59 | 7.54 | 15.88 | 39.33 | 5.82 | — | 32.15 | — | 10.73 | 12.78 | 8.61 | 11.68 |
| — | +116.3% | — | -50.6% | — | -45.8% | — | +273.3% | — | +4.5% | +41.0% | +9.8% | -31.8% | |
| EV / EBITDA | 8.02 | 4.62 | 1.49 | 1.62 | 11.09 | 7.30 | 5.13 | 5.90 | 6.86 | 7.97 | 5.91 | 12.69 | 7.21 |
| — | -36.7% | -71.0% | -72.5% | +61.5% | -8.5% | -13.1% | -53.5% | -4.8% | -45.9% | -33.1% | +41.1% | -45.0% | |
| EV / EBIT | 8.44 | 4.91 | 1.57 | 1.73 | 12.46 | 8.02 | 5.72 | 6.75 | 7.98 | 9.19 | 6.55 | 15.16 | 7.93 |
| — | -38.7% | -72.6% | -74.3% | +56.2% | -12.7% | -12.7% | -55.5% | +0.6% | -45.4% | -32.3% | +52.2% | -48.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Lake Shore Bancorp, Inc.'s operating margin was 23.1% in Q4 2025, down 4.2 pp QoQ and up 5.1 pp YoY. The trailing four-quarter average of 21.9% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.9% | 72.0% | 73.8% | 69.9% | 67.6% | 72.7% | 66.4% | 65.6% | 66.5% | 68.3% | 76.1% | 77.1% | 87.8% |
| — | -0.9% | +11.2% | +6.5% | +1.6% | +6.4% | -12.8% | -14.9% | -24.3% | -20.3% | -17.7% | -16.5% | +0.9% | |
| Operating Margin | 22.1% | 23.1% | 27.3% | 23.2% | 13.9% | 18.1% | 16.5% | 14.0% | 12.8% | 13.7% | 20.4% | 11.7% | 23.0% |
| — | +28.0% | +65.7% | +65.2% | +8.1% | +31.5% | -19.2% | +20.2% | -44.0% | -23.0% | -27.8% | -58.7% | +20.7% | |
| Net Margin | 18.4% | 19.1% | 22.6% | 19.4% | 11.6% | 15.2% | 13.8% | 11.8% | 10.9% | 7.9% | 16.8% | 9.0% | 19.8% |
| — | +25.4% | +63.9% | +64.7% | +6.8% | +93.7% | -18.0% | +30.0% | -45.0% | -46.9% | -27.8% | -61.6% | +24.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.3% | 1.4% | 2.0% | 2.1% | 1.2% | 1.6% | 1.5% | 1.3% | 1.2% | 0.9% | 1.9% | 1.0% | 2.0% |
| — | -15.8% | +34.9% | +62.5% | -0.2% | +83.4% | -20.8% | +31.5% | -42.7% | -40.4% | -14.8% | -52.5% | +64.6% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.2% | 0.1% | 0.2% |
| — | +23.9% | +68.9% | +72.6% | +9.4% | +104.0% | -14.1% | +38.2% | -40.3% | -39.1% | -13.6% | -53.0% | +57.7% | |
| ROIC | 5.4% | 1.2% | 1.8% | 1.8% | 1.0% | 1.3% | 1.1% | 0.9% | 0.8% | 0.8% | 1.2% | 0.6% | 1.2% |
| — | -5.3% | +59.4% | +101.9% | +26.4% | +59.5% | -5.4% | +39.3% | -36.1% | -15.7% | -22.2% | -55.2% | +35.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Lake Shore Bancorp, Inc.'s Debt/EBITDA ratio is 0.5x, down from 0.7x last quarter — comfortably within a safe range. The current ratio has improved 124403.4% YoY to 200.88x, strengthening the short-term liquidity position. Debt/Equity has declined for 5 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.01 | 0.01 | 0.02 | 0.04 | 0.11 | 0.11 | 0.27 | 0.29 | 0.41 | 0.45 | 0.44 | 0.50 |
| — | -91.8% | -87.4% | -91.9% | -84.9% | -72.1% | -74.4% | -38.8% | -41.1% | -11.7% | +39.5% | +41.2% | +86.6% | |
| Debt / EBITDA | 0.14 | 0.53 | 0.67 | 0.82 | 2.82 | 5.34 | 5.79 | 15.27 | 18.15 | 23.34 | 17.27 | 28.97 | 19.22 |
| — | -90.0% | -88.5% | -94.7% | -84.5% | -77.1% | -66.5% | -47.3% | -5.5% | +2.1% | +62.4% | +160.0% | +31.2% | |
| Current Ratio | 200.88 | 200.88 | 0.23 | 0.20 | 0.15 | 0.16 | 0.19 | 0.21 | 0.20 | 0.20 | 0.18 | 0.18 | 0.19 |
| — | +124403.4% | +19.7% | -2.3% | -25.4% | -18.5% | +3.9% | +15.4% | +1.6% | +35.0% | +14.1% | -3.8% | -2.8% | |
| Quick Ratio | 200.88 | 200.88 | 0.23 | 0.20 | 0.15 | 0.16 | 0.19 | 0.21 | 0.20 | 0.20 | 0.18 | 0.18 | 0.19 |
| — | +124403.4% | +19.7% | -2.3% | -25.4% | -18.5% | +3.9% | +15.4% | +1.6% | +35.0% | +14.1% | -3.8% | -2.8% | |
| Interest Coverage | 0.75 | 0.83 | 0.95 | 0.77 | 0.44 | 0.54 | 0.46 | 0.38 | 0.34 | 0.43 | 0.78 | 0.47 | 1.18 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying LSBK stock.
Lake Shore Bancorp, Inc.'s current P/E is 18.1x. The average P/E over the last 4 quarters is 14.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Lake Shore Bancorp, Inc.'s current operating margin is 22.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Lake Shore Bancorp, Inc.'s business trajectory between earnings reports.