Lake Shore Bancorp, Inc. (LSBK) Revenue History
Annual and quarterly revenue from 2004 to present
LSBK Revenue Over Time (2004–2025)
LSBK Revenue Growth History
16 of 21 years with positive growth- FY2004 revenue growth
- N/A
- FY2005 revenue growth
- +138.2%
- FY2006 revenue growth
- +10.0%
- FY2007 revenue growth
- +5.3%
- FY2008 revenue growth
- +9.2%
- FY2009 revenue growth
- -1.8%
- FY2010 revenue growth
- +5.8%
- FY2011 revenue growth
- -4.1%
- FY2012 revenue growth
- -3.3%
- FY2013 revenue growth
- -4.5%
- FY2014 revenue growth
- -2.9%
- FY2015 revenue growth
- +0.9%
- FY2016 revenue growth
- +6.4%
- FY2017 revenue growth
- +2.2%
- FY2018 revenue growth
- +8.8%
- FY2019 revenue growth
- +11.4%
- FY2020 revenue growth
- +2.1%
- FY2021 revenue growth
- +1.9%
- FY2022 revenue growth
- +5.8%
- FY2023 revenue growth
- +23.5%
- FY2024 revenue growth
- +4.7%
- FY2025 revenue growth
- +3.8%
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $10.1M | — |
| Q3 2025 | $10.4M | — |
| Q2 2025 | $9.9M | — |
| Q1 2025 | $9.1M | — |
| Q4 2024 | $9.7M | — |
| Q3 2024 | $9.6M | — |
| Q2 2024 | $9.5M | — |
| Q1 2024 | $9.3M | — |
Multi-year avg. share of annual revenue by fiscal quarter
LSBK Revenue Analysis (2004–2025)
Current Revenue & Growth
As of June 19, 2026, Lake Shore Bancorp, Inc. (LSBK) generated trailing twelve-month (TTM) revenue of $39.6 million, reflecting solid growth of +5.0% year-over-year. The most recent quarter (Q4 2025) recorded $10.1 million in revenue, down 2.6% sequentially.
Historical Growth Trajectory
LSBK's 5-year compound annual growth rate (CAGR) stands at +7.7%, indicating steady revenue expansion. The 3-year CAGR of +10.3% exceeds the 5-year average, indicating an acceleration in the most recent period. Lake Shore Bancorp, Inc.'s highest annual revenue of $39.6 million was recorded in 2025, an all-time high.
Peer Comparison
Compared to Financial Services sector peers — including CZWI, NECB, and BWFG. Compare LSBK vs CZWI →
LSBK Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
 LSBKCurrent | $40M | +5.0% | +7.7% | 22.1% | |
 CZWI | $90M | - | - | 7.0% | |
 NECB | $157M | - | - | 39.6% | |
 BWFG | $208M | - | - | 23.3% | |
 KRNY | $344M | - | - | 9.0% | |
 NBTB | $867M | - | - | 25.3% |
LSBK Historical Revenue Data (2004–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $39.6M | - | $28.1M | 70.9% | $8.8M | 22.1% |
| 2024 | $38.1M | - | $25.8M | 67.8% | $5.9M | 15.4% |
| 2023 | $36.4M | - | $28.0M | 77.0% | $6.2M | 17.1% |
| 2022 | $29.5M | - | $26.3M | 89.3% | $6.9M | 23.3% |
| 2021 | $27.8M | - | $24.5M | 88.1% | $7.5M | 26.8% |
| 2020 | $27.3M | - | $21.3M | 77.9% | $5.4M | 19.7% |
| 2019 | $26.8M | - | $20.7M | 77.2% | $4.7M | 17.7% |
| 2018 | $24.0M | - | $20.0M | 83.4% | $4.6M | 19.1% |
| 2017 | $22.1M | - | $18.9M | 85.8% | $4.6M | 20.7% |
| 2016 | $21.6M | - | $18.2M | 84.2% | $4.3M | 19.9% |
| 2015 | $20.3M | - | $17.1M | 84.4% | $4.1M | 20.0% |
| 2014 | $20.1M | - | $16.5M | 82.3% | $3.7M | 18.5% |
| 2013 | $20.7M | - | $17.0M | 82.3% | $4.7M | 22.8% |
| 2012 | $21.7M | - | $16.4M | 75.7% | $4.6M | 21.3% |
| 2011 | $22.4M | - | $16.4M | 73.0% | $5.1M | 22.6% |
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
22+ years return with dividends reinvested.
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Peer Comparison
Compare growth, multiples, and margins vs sector.
LSBK — Frequently Asked Questions
Quick answers to the most common questions about buying LSBK stock.
Is LSBK's revenue growth accelerating or slowing?
LSBK revenue growth is slowing. TTM revenue is $40M, up +5.0% year-over-year — below the 5-year CAGR of +7.7%. The deceleration suggests maturing end-markets or increased competition.
What is LSBK's revenue history from 2004 to 2026?
Lake Shore Bancorp, Inc. (LSBK) revenue history spans 2004 to 2026. TTM revenue as of 2026 is $40M, growing at +5.0% YoY. The 5-year CAGR is +7.7%. Complete annual and quarterly revenue figures are available on this page, including gross profit, operating income, and margin trends.
What is LSBK's long-term revenue growth rate (CAGR)?
Lake Shore Bancorp, Inc.'s 5-year revenue CAGR of +7.7% reflects the variable nature of its business expansion. As of 2026, the current YoY growth rate of +5.0% is below this long-term average. CAGR is the most reliable measure of sustained revenue momentum for LSBK.
Why does LSBK's quarterly revenue fluctuate?
LSBK quarterly revenue can fluctuate significantly between periods. A quarter-over-quarter (QoQ) change does not always indicate a trend; comparing the same quarter year-over-year (YoY) is a more reliable signal for underlying growth. Lake Shore Bancorp, Inc.'s revenue data from 2004 to 2026 shows full historical quarterly detail on this page.
How is LSBK's revenue distributed by segment?
LSBK reports revenue broken down by product line and geographic region. The segment breakdown on this page shows which business units contribute the most to total revenue as of the latest fiscal year. Concentration in a single segment above 50% indicates category dependence, while a diversified mix signals more resilient revenue streams.
How does LSBK's revenue compare to industry peers?
Lake Shore Bancorp, Inc. (LSBK) with TTM revenue of $40M and +5.0% YoY growth can be benchmarked against sector peers using the comparison table on this page. Revenue growth relative to peers indicates market share gains or losses. The peer section shows TTM revenue, YoY growth, and operating margin for direct comparisons.