Saturday 17 October 2026
Export LSBK’s income statement to Excel — free account
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. In the quarter to June 2026, revenue grew 2.32%, EPS grew 16.1% and free cash flow grew 60.7%, each against the same quarter a year earlier. Revenue growth for ten consecutive years.
18.23
0.11
+0.61%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
27.35 | 30.57 | 22.82 | 22.52 | 16.89 | 14.06 | 12.43 | 14.74 | 14.84 | 15.11 |
Piotroski F-Score |
8 | 4 | 7 | 6 | 6 | 7 | 7 | 6 | 6 | 9 |
P/S ratio |
4.50 | 4.66 | 3.81 | 3.43 | 2.83 | 3.15 | 2.41 | 1.97 | 2.03 | 2.78 |
P/FCF ratio |
25.37 | 23.63 | 17.29 | 18.28 | 14.89 | 11.07 | 9.09 | 12.32 | 30.33 | 14.80 |
P/Operating CF |
129.59 | 57.75 | 40.24 | 60.42 | 66.60 | 41.29 | 38.24 | 45.34 | 22.85 | 51.23 |
P/B ratio |
1.28 | 1.31 | 1.15 | 1.11 | 0.90 | 1.00 | 0.87 | 0.83 | 0.86 | 0.78 |
Price to Tangible BV |
1.28 | 1.31 | 1.15 | 1.11 | 0.90 | 1.00 | 0.87 | 0.83 | 0.86 | 0.78 |
EV/Sales |
3.27 | 4.02 | 3.56 | 3.60 | 2.35 | 1.51 | 2.93 | 1.46 | 1.43 | 1.21 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
16.43 | 15.23 | 13.98 | 16.49 | 11.46 | 4.92 | 10.51 | 8.57 | 21.70 | 5.98 |
EV/FCF |
18.44 | 20.42 | 16.13 | 19.15 | 12.34 | 5.31 | 11.05 | 9.14 | 21.35 | 6.43 |
Quick Ratio |
0.12 | 0.10 | 0.07 | 0.06 | 0.08 | 0.11 | 0.02 | 0.09 | 0.06 | 0.11 |
Current Ratio |
0.97 | 1.01 | 0.98 | 1.04 | 1.02 | 0.99 | 1.01 | 1.04 | 1.01 | 1.09 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.87% | 5.19% | 4.52% | 5.67% | 4.34% | 3.08% | 3.56% | 4.86% | 1.50% | 0.00% |
Debt/Equity |
0.25 | 0.34 | 0.31 | 0.42 | 0.35 | 0.25 | 0.31 | 0.41 | 0.11 | 0.00 |
Asset Turnover |
0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 |
Operating CF/Net income |
1.22 | 1.73 | 1.53 | 1.43 | 1.23 | 1.38 | 1.44 | 1.29 | 0.51 | 1.10 |
Capex/Depreciation |
(0.29) | (0.93) | (0.57) | (0.56) | (0.27) | (0.41) | (0.28) | (0.28) | 0.03 | (0.52) |
| 4.69% | 4.38% | 5.06% | 5.03% | 5.40% | 7.12% | 6.75% | 5.76% | 5.60% | 6.28% | |
| 0.73% | 0.67% | 0.75% | 0.71% | 0.70% | 0.88% | 0.81% | 0.68% | 0.70% | 1.03% | |
ROIC |
5.42% | 4.43% | 3.89% | 3.40% | 4.63% | 11.03% | 4.45% | 5.73% | 5.47% | 7.07% |
Return on Tangible Assets |
(94.95%) | 28.16% | 191.02% | 14.00% | 24.22% | 218.93% | 49.48% | 16.43% | 33.30% | 12.87% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
69.50% | 67.40% | 65.90% | 62.86% | 64.19% | 63.59% | 68.48% | 57.09% | 48.55% | 48.25% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.51% | 2.57% | 2.39% | 1.65% | 1.18% | 1.34% | 1.14% | 0.28% | 0.91% | 1.41% |
Graham Net Nets |
(0.41) | (0.32) | (0.45) | (0.27) | (0.39) | (0.44) | (0.46) | (0.37) | (0.19) | 0.34 |
Graham Number |
9.56 | 9.30 | 10.31 | 10.72 | 11.67 | 13.94 | 12.81 | 12.24 | 13.48 | 20.29 |
Earnings Yield |
3.66% | 3.27% | 4.38% | 4.44% | 5.92% | 7.11% | 8.04% | 6.78% | 6.74% | 6.62% |
Free Cash Flow Yield |
3.94% | 4.23% | 5.79% | 5.47% | 6.72% | 9.03% | 11.00% | 8.12% | 3.30% | 6.76% |
Revenue per Share |
2.65 | 2.67 | 2.92 | 3.29 | 3.39 | 3.49 | 3.70 | 4.59 | 5.00 | 5.27 |
Operating CF per Share |
0.53 | 0.70 | 0.74 | 0.72 | 0.69 | 1.07 | 1.03 | 0.78 | 0.33 | 1.07 |
Capex per Share |
(0.06) | (0.18) | (0.10) | (0.10) | (0.05) | (0.08) | (0.05) | (0.05) | 0.01 | (0.07) |
Free Cash Flow per Share |
0.47 | 0.53 | 0.64 | 0.62 | 0.64 | 0.99 | 0.98 | 0.73 | 0.33 | 0.99 |
Cash per Share |
5.58 | 4.94 | 3.74 | 3.72 | 5.33 | 8.48 | 1.21 | 6.77 | 4.35 | 8.56 |
Shareholders Equity per Share |
9.33 | 9.47 | 9.69 | 10.19 | 10.65 | 11.03 | 10.19 | 10.87 | 11.80 | 18.86 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
9.33 | 9.47 | 9.69 | 10.19 | 10.65 | 11.03 | 10.19 | 10.87 | 11.80 | 18.86 |
Free Cash Flow |
3.83 | 4.35 | 5.30 | 5.03 | 5.20 | 7.92 | 7.80 | 5.81 | 2.55 | 7.44 |
Working Capital |
(12.45) | 2.62 | (7.32) | 19.78 | 9.85 | (5.91) | 3.25 | 21.47 | 7.59 | 49.45 |
Capital Expenditures |
(0.47) | (1.48) | (0.82) | (0.81) | (0.40) | (0.63) | (0.41) | (0.39) | 0.04 | (0.56) |
Net Current Asset Value |
(39.70) | (32.82) | (40.77) | (24.77) | (30.17) | (38.49) | (32.76) | (26.45) | (15.07) | 37.04 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.07 | 0.03 | 0.03 | 0.01 | 0.02 | 0.01 | 0.01 | 0.00 | 0.01 |
Price to Operating Income |
22.63 | 22.51 | 19.97 | 19.38 | 14.39 | 11.73 | 10.32 | 11.52 | 13.18 | 12.58 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.18 | 0.17 | 0.15 | 0.15 | 0.16 | 0.18 | 0.17 | 0.18 | 0.18 | 0.15 |
Cash ROIC |
2.72% | 2.97% | 3.92% | 3.40% | 3.28% | 4.46% | 6.74% | 3.32% | 1.91% | 3.61% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
61,399.71 | 56,228.46 | 43,822.09 | 33,955.89 | 46,433.82 | 81,242.84 | 86,167.05 | 22,952.78 | 15,219.92 | 17,856.81 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
377.52 | 395.52 | 418.81 | 457.97 | 521.87 | 576.72 | 581.65 | 580.52 | 581.95 | 573.13 |
Average Assets |
481.28 | 504.08 | 532.34 | 578.29 | 648.53 | 699.97 | 706.83 | 712.52 | 705.31 | 706.41 |
Average Common Equity |
74.95 | 77.20 | 79.09 | 81.32 | 84.38 | 86.95 | 84.58 | 83.73 | 88.07 | 115.75 |
Columns are period end dates