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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. 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%
Market cap
$142.3M
P/E
16.1×
Fwd P/E
—
Dividend yield
1.97%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 10.27%

Capital & Financial Ratios $m

Market Cap 142.31
Revenue 40.45
Net Income 8.39
Free Cash Flow 10.51
Net Debt (72.24)
Current Ratio 1.10
Debt/Equity 0.00
P/E ratio 16.13
Fwd P/E —
P/S ratio 3.32
P/B ratio 0.93
Past 5Y EPS Growth 11.29%
This Y EPS Growth 7.00%
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 40.73%
10-year low 10-year high
P/S against its own 10 years 60.38%
10-year low 10-year high
P/B against its own 10 years 35.94%
10-year low 10-year high

Dividends

Payout Ratio 0.32
Annual Dividend Rate 0.36
Annual Dividend Yield 1.97%
total individual payouts
2026 0.27
0.09
0.09
0.09
2025 0.31
0.13
0.09
0.09
2024 0.40
0.13
0.13
0.13
2022 0.50
0.12
0.12
0.13
0.13
2021 0.40
0.10
0.10
0.10
0.10
2020 0.36
0.09
0.09
0.09
0.10
2019 0.35
0.09
0.09
0.09
0.09
2018 0.30
0.07
0.07
0.07
0.07
2017 0.24
0.06
0.06
0.06
0.06
2016 0.21
0.05
0.05
0.05
0.05
special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 9.58 11.20 10.81 10.52 6.61 9.53 8.73 7.02 7.61 9.81

Analyst estimates 2026–2028

Powerpack
High 12.25 12.85 13.29 11.99 11.74 11.82 11.26 9.71 10.49 15.19
People
People Employees 111 114 115 116 115 107 120 117 100 98
Revenue/emp, $m 0.19 0.19 0.21 0.23 0.24 0.26 0.25 0.31 0.38 0.40
Income, $m
Income, $m Revenue 22 22 24 27 27 28 29 36 38 40
Gross margin, % 89.37 88.08 85.00 80.58 83.88 90.43 91.80 74.18 63.94 70.38
EBT 4 5 5 5 5 7 7 6 6 9
EBT margin, % 19.87 20.68 19.10 17.72 19.69 26.84 23.32 17.09 15.39 22.13
Net income 4 3 4 4 5 6 6 5 5 7
Depreciation 2 2 1 1 1 2 1 1 1 1
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
Earnings 0.43 0.41 0.49 0.50 0.57 0.78 0.72 0.61 0.65 0.97
Cash flow 0.53 0.70 0.74 0.72 0.69 1.07 1.03 0.78 0.33 1.07
Capex (0.06) (0.18) (0.10) (0.10) (0.05) (0.08) (0.05) (0.05) 0.01 (0.07)
Free cash flow 0.47 0.53 0.64 0.62 0.64 0.99 0.98 0.73 0.33 0.99
Book value 9.33 9.47 9.69 10.19 10.65 11.03 10.19 10.87 11.80 18.86
Shares, m 8 8 8 8 8 8 8 8 8 8
Valuation, ×
Valuation, × P/E 27.35 30.57 22.82 22.52 16.89 14.06 12.43 14.74 14.84 15.11
P/S 4.50 4.66 3.81 3.43 2.83 3.15 2.41 1.97 2.03 2.78
P/B 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/FCF 18.44 20.42 16.13 19.15 12.34 5.31 11.05 9.14 21.35 6.43
Cash, $m
Cash, $m Operating cash flow 4 6 6 6 6 9 8 6 3 8
Capex 0 (1) (1) (1) 0 (1) 0 0 0 (1)
Free cash flow 4 4 5 5 5 8 8 6 3 7
Balance, $m
Balance, $m Working capital (12) 3 (7) 20 10 (6) 3 21 8 49
Total debt 19 27 25 35 30 22 25 35 10 —
Net debt (27) (14) (6) 4 (13) (46) 15 (18) (23) (64)
Shareholders’ equity 76 78 80 83 86 88 81 86 90 142
Returns, %
Returns, % ROA 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
ROE 4.69 4.38 5.06 5.03 5.40 7.12 6.75 5.76 5.60 6.28
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
EBMT Eagle Bancorp Montana, Inc. $164.7M 10.2× 11.3× −1.03% (below 0%: shrinking) +11.90% (above 0%: growing) −301.01% (below 0%: shrinking) 76.37% 0.00% Compare
FINW FinWise Bancorp $149.2M 10.5× 13.1× +98.06% (above 0%: growing) −48.39% (below 0%: shrinking) −43.89% (below 0%: shrinking) 91.22% 0.00% Compare
LSBK Lake Shore Bancorp, Inc. $142.3M 16.1× — +2.32% (above 0%: growing) +16.05% (above 0%: growing) +60.67% (above 0%: growing) 75.39% 0.00%
HYNE Hoyne Bancorp, Inc. $136.0M — — +11.37% (above 0%: growing) — −140.80% (below 0%: shrinking) 83.07% 0.00% Compare
FGBI First Guaranty Bancshares, Inc. $135.0M — (loss-making) 24.3× −5.84% (below 0%: shrinking) n/m +17.37% (above 0%: growing) 45.46% 0.00% Compare
SRBK SR Bancorp, Inc. $133.4M 41.0× 20.3× −1.47% (below 0%: shrinking) −51.91% (below 0%: shrinking) +141.06% (above 0%: growing) 63.94% 0.00% Compare
MGYR Magyar Bancorp, Inc. $128.4M 10.4× 10.6× +9.88% (above 0%: growing) +25.00% (above 0%: growing) +84.11% (above 0%: growing) 63.70% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $122.6M 10.6× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
RVSB Riverview Bancorp Inc $119.1M — (loss-making) 17.7× +6.30% (above 0%: growing) +33.33% (above 0%: growing) +342.43% (above 0%: growing) 75.12% 0.00% Compare
Median of peers $134.2M 10.5× 13.1× +6.49% +15.12% −13.26% 75.75% 0.00%

All 323 Banks Regional stocks →

Lake Shore Bancorp, Inc. (LSBK) key facts

  • Strength: Lake Shore Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $39.6 million, up 3.80% from fiscal 2024.
  • Lake Shore Bancorp, Inc. (LSBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, LSBK traded at $18.23, a market capitalization of $142.3 million.
  • Lake Shore Bancorp, Inc. pays an annual dividend of $0.36 per share, a yield of 1.97%, with a payout ratio of 31.9%.
  • Return on equity was 6.28% and debt-to-equity 0.00.
  • Its Piotroski F-score is 9 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Lake Shore Bancorp, Inc. (LSBK) Latest News

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