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Lake Shore Bancorp, Inc.

LSBK Financial Banks Regional

Lake Shore Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $39.6 million, up 3.80% from fiscal 2024.

Revenue
+2.32%
EPS
+16.1%
Free cash flow
+60.7%

Quarter to June 2026, against a year earlier

18.94 0.21 +1.12%
Market cap
$145.7M
P/E
16.6×
Fwd P/E
—
Dividend yield
1.92%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 11.08%

Capital & Financial Ratios $m

Size
Market Cap 145.72
Revenue ttm 40.45
Net income ttm 8.39
Free cash flow ttm 10.51
Net debt Q (72.24)
Valuation
P/E 16.58
Forward P/E —
Price / sales 3.42
Forward P/S Powerpack
Price / FCF 13.16
Price / book 0.96
Financial health
Current ratio Q 1.10
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +2.32% (above 0%: growing)
Operating income growth Q +15.37% (above 0%: growing)
EPS, this year +7.00%
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +11.29%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 45.58%
10-year low 10-year high
P/S against its own 10 years 61.17%
10-year low 10-year high
P/B against its own 10 years 38.83%
10-year low 10-year high

Dividends

Yield
1.92%
Annual rate
0.36
Payout ratio
31.9%
Growth, 2017–26
+4.78%/yr
  1. 0.24 ’17
  2. 0.30 ’18 +25
  3. 0.35 ’19 +20
  4. 0.36 ’20 +2
  5. 0.40 ’21 +10
  6. 0.50 ’22 +26
  7. 0.40 ’24 −21
  8. 0.31 ’25 −22
  9. 0.36 ’26 +15
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 54 33 64 72
Receivables — — — —
Inventory — — — —
Other — — — —
612 581 623 634
2023 2024 2025 Q'26
Payables 591 573 573 578
ST’ Debt — — — —
Other — — — —
591 573 573 578

Compound Annual Growth %

10y 5y 3y
Sales 6.90% 7.68% 10.32%
Cash Flow 4.89% 7.38% (0.85%)
Earnings 8.09% 9.78% 8.39%
Book Value 6.73% 10.51% 20.38%

EPS $

Mar Jun Sep Dec Year
’26 0.26 0.29 — — —
’25 0.14 0.25 0.32 0.26 0.97
’24 0.13 0.19 0.18 0.19 0.65
’23 0.21 0.10 0.20 0.10 0.61
’22 0.13 0.21 0.22 0.15 0.72
’21 0.21 0.13 0.21 0.23 0.78
’20 0.09 0.17 0.16 0.16 0.57
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 10 10 — — —
’25 9 10 10 10 40
’24 9 9 10 10 38
’23 9 9 9 10 36
’22 7 7 8 8 29
’21 7 7 7 7 28
’20 7 7 7 7 27
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 3 2 — — —
’25 1 2 3 2 8
’24 0 1 (1) 3 3
’23 1 2 1 2 6
’22 1 3 2 2 8
’21 2 2 3 2 9
’20 1 2 1 1 6
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 3 2 — — —
’25 1 1 3 2 7
’24 0 1 (1) 3 3
’23 1 2 1 2 6
’22 1 3 2 2 8
’21 1 2 3 2 8
’20 1 2 1 1 5
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 22 22 24 27 27 28 29 36 38 40 40 +7.0% — — — —
Gross margin, % 89.37 88.08 85.00 80.58 83.88 90.43 91.80 74.18 63.94 70.38 73.50 (19.0) pt
EBT 4 5 5 5 5 7 7 6 6 9 10 +8.2%
EBT margin, % 19.87 20.68 19.10 17.72 19.69 26.84 23.32 17.09 15.39 22.13 25.20 +2.3 pt
Net income 4 3 4 4 5 6 6 5 5 7 8 +8.4%
Per share, $
Per share, $ Revenue 2.65 2.67 2.92 3.29 3.39 3.49 3.70 4.59 5.00 5.27 5.48 +7.9%
Earnings 0.43 0.41 0.49 0.50 0.57 0.78 0.72 0.61 0.65 0.97 1.13 +9.5%
Cash flow 0.53 0.70 0.74 0.72 0.69 1.07 1.03 0.78 0.33 1.07 1.44 +8.1%
Capex (0.06) (0.18) (0.10) (0.10) (0.05) (0.08) (0.05) (0.05) 0.01 (0.07) (0.02) +3.0%
Free cash flow 0.47 0.53 0.64 0.62 0.64 0.99 0.98 0.73 0.33 0.99 1.42 +8.6%
Book value 9.33 9.47 9.69 10.19 10.65 11.03 10.19 10.87 11.80 18.86 19.62 +8.1%
Shares, m 8 8 8 8 8 8 8 8 8 8 7 (0.9%)
Valuation, ×
Valuation, × P/E 27.35 30.57 22.82 22.52 16.89 14.06 12.43 14.74 14.84 15.11 16.58 19.1
P/S 4.50 4.66 3.81 3.43 2.83 3.15 2.41 1.97 2.03 2.78 3.42 3.2
P/B 1.28 1.31 1.15 1.11 0.90 1.00 0.87 0.83 0.86 0.78 0.96 1.0
EV/Sales 3.27 4.02 3.56 3.60 2.35 1.51 2.93 1.46 1.43 1.21 — 2.5
EV/FCF 18.44 20.42 16.13 19.15 12.34 5.31 11.05 9.14 21.35 6.43 — 14.0
Cash, $m
Cash, $m Operating cash flow 4 6 6 6 6 9 8 6 3 8 11 +7.2%
Capex 0 (1) (1) (1) 0 (1) 0 0 0 (1) 0 +2.0%
Free cash flow 4 4 5 5 5 8 8 6 3 7 11 +7.7%
Balance, $m
Balance, $m Working capital (12) 3 (7) 20 10 (6) 3 21 8 49 55 n/m
Net debt (27) (14) (6) 4 (13) (46) 15 (18) (23) (64) (72) +10.3%
Shareholders’ equity 76 78 80 83 86 88 81 86 90 142 145 +7.2%
Returns, %
Returns, % ROA 0.73 0.67 0.75 0.71 0.70 0.88 0.81 0.68 0.70 1.03 1.14 +0.3 pt
ROIC 5.42 4.43 3.89 3.40 4.63 11.03 4.45 5.73 5.47 7.07 8.79 +1.7 pt
ROE 4.69 4.38 5.06 5.03 5.40 7.12 6.75 5.76 5.60 6.28 7.06 +1.6 pt
People
People Employees 111 114 115 116 115 107 120 117 100 98 — (1.4%)
Revenue/emp, $m 0.19 0.19 0.21 0.23 0.24 0.26 0.25 0.31 0.38 0.40 — +8.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Lake Shore Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FINW FinWise Bancorp $187.9M 13.5× 19.5× +98.06% (above 0%: growing) −48.39% (below 0%: shrinking) −43.89% (below 0%: shrinking) 91.22% 0.00% Compare
EBMT Eagle Bancorp Montana, Inc. $166.3M 10.6× 10.6× +1.67% (above 0%: growing) −19.15% (below 0%: shrinking) +45.65% (above 0%: growing) 75.79% 0.00% Compare
MNSB MainStreet Bank $154.1M 10.6× 10.7× −6.70% (below 0%: shrinking) +9.43% (above 0%: growing) +286.64% (above 0%: growing) 57.99% 0.00% Compare
HNVR Hanover Bancorp, Inc. $153.7M 17.0× 11.4× −2.10% (below 0%: shrinking) +66.67% (above 0%: growing) +972.77% (above 0%: growing) 56.13% 0.00% Compare
HYNE Hoyne Bancorp, Inc. $151.2M — — +11.37% (above 0%: growing) — −140.80% (below 0%: shrinking) 83.07% 0.00% Compare
LSBK Lake Shore Bancorp, Inc. $145.7M 16.6× — +2.32% (above 0%: growing) +16.05% (above 0%: growing) +60.67% (above 0%: growing) 75.39% 0.00%
MGYR Magyar Bancorp, Inc. $142.1M 11.4× 10.6× +9.88% (above 0%: growing) +25.00% (above 0%: growing) +84.11% (above 0%: growing) 63.70% 0.00% Compare
SRBK SR Bancorp, Inc. $134.0M 42.2× 20.3× −1.47% (below 0%: shrinking) −51.91% (below 0%: shrinking) +141.06% (above 0%: growing) 63.94% 0.00% Compare
WSBK Winchester Bancorp, Inc. $122.3M 26.3× — +22.45% (above 0%: growing) +27.27% (above 0%: growing) +27.84% (above 0%: growing) 52.35% 0.00% Compare
Median of peers $152.5M 13.5× 11.1× +5.77% +9.43% +64.88% 63.82% 0.00%

All 327 Banks Regional stocks →

Lake Shore Bancorp, Inc. (LSBK) Latest News

22 Jul

Impact 3 ·

22 Apr

Impact 3 · · GlobeNewswire

21 Jan

Impact 4 ·
Impact 3 · · Associated Press Finance

30 Dec

Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · GlobeNewswireAssociated Press FinanceZacks
Impact 3 · · Associated Press Finance

3 Oct

Impact 3 · · Simply Wall St.

23 Aug

Impact 3 ·

26 Jul

Impact 3 ·

24 Jul

Impact 3 ·
Impact 3 · · GlobeNewswire

23 Jul

Impact 4 ·
Impact 3 · · Simply Wall St.

18 Jul

Impact 4 · · GlobeNewswire

8 Jul

Impact 4 ·

1 Jul

Impact 4 · · GlobeNewswire

23 May

Impact 3 ·

29 Apr

Impact 3 · · GlobeNewswire

19 Mar

Impact 3 · · Simply Wall St.

14 Mar

Impact 3 · · bankingdive.com

30 Jan

Impact 4 · · GlobeNewswire

28 Jan

Impact 3 ·

24 Jan

Impact 3 · · Associated Press Finance
Impact 3 · · GlobeNewswire

22 Jan

Impact 3 · · Simply Wall St.

3 Dec

Impact 4 · · GlobeNewswire

23 Oct

Impact 3 · · GlobeNewswire

16 Jul

Impact 3 · · Simply Wall St.

26 Apr

Impact 3 · · Simply Wall St.
stockrow.com/LSBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com