Lake Shore Bancorp, Inc. (LSBK) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Lake Shore Bancorp reported revenue of $27.8M. Net income was $7.3M (a 26.1% net margin), or $0.97 per diluted share. Net interest income was $24.6M, and the efficiency ratio (noninterest expense / revenue) was 69.2%. Operating activities generated $8.0M of cash. At fiscal year end, Lake Shore Bancorp held $727.3M in total assets against $585.7M in total liabilities, including $64.3M of cash and equivalents.
Open the full interactive Lake Shore Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Lake Shore Bancorp Key Stats
| Share Price | $17.36 |
|---|---|
| Market Cap | $128.4M |
| P/E Ratio | 17.9 |
| 52-Week Range | $12.23 – $18.85 |
| Shares Outstanding | 7.4 million (basic, 2026 Q2) |
Lake Shore Bancorp Income Statement
| FY 2025 | |
|---|---|
| Net Interest Income | $24.6M |
| Provision for Credit Losses | -$180,000 |
| Noninterest Income | $3.3M |
| Noninterest Expense | $19.3M |
| Revenue | $27.8M |
| Pre-Tax Income | $8.8M |
| Income Tax | $1.5M |
| Net Income | $7.3M |
| Diluted EPS | $0.97 |
Lake Shore Bancorp Quarterly Results
| 2025 Q2 | 2025 Q3 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $6.9M | $7.4M | $7.4M | $7.6M |
| Net Income | $1.9M | $2.4M | $1.9M | $2.2M |
| Diluted EPS | $0.34 | $0.32 | $0.26 | $0.29 |
Lake Shore Bancorp Balance Sheet
| FY 2025 | |
|---|---|
| Cash & Equivalents | $64.3M |
| Total Assets | $727.3M |
| Deposits | $573.3M |
| Total Liabilities | $585.7M |
| Shareholders' Equity | $141.6M |
Lake Shore Bancorp Cash Flow Statement
| FY 2025 | |
|---|---|
| Cash From Operations | $8.0M |
| Cash From Investing | -$8.1M |
| Cash From Financing | $31.3M |
Figures from Lake Shore Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Lake Shore Bancorp financials page for every line item.
Lake Shore Bancorp Company Profile
| Ticker | LSBK |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Dunkirk, New York |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0002059653 |
Frequently Asked Questions
What was Lake Shore Bancorp's revenue in fiscal 2025?
Lake Shore Bancorp (LSBK) reported revenue of $27.8M for fiscal 2025.
What was Lake Shore Bancorp's net income in fiscal 2025?
Lake Shore Bancorp reported net income of $7.3M for fiscal 2025.
What was Lake Shore Bancorp's earnings per share (EPS) in fiscal 2025?
Lake Shore Bancorp's diluted EPS was $0.97 for fiscal 2025 (adjusted for any later stock splits).
What was Lake Shore Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Lake Shore Bancorp reported revenue of $7.6M.
How many shares of Lake Shore Bancorp are outstanding?
Lake Shore Bancorp reported a weighted average of 7.4 million basic shares outstanding in 2026 Q2.
What is Lake Shore Bancorp's market cap?
Based on its latest closing price, Lake Shore Bancorp (LSBK) has a market capitalization of about $128.4M.
When does Lake Shore Bancorp's fiscal year end?
Lake Shore Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Lake Shore Bancorp headquartered?
Lake Shore Bancorp lists its business address in Dunkirk, New York in its SEC filings.
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