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Lake Shore Bancorp, Inc. /MD/

LSBK

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Financial Statements

Values in Millions ($)
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
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Subscriber-only column
Cash And Due From Banks
33333
Interest Bearing Deposits In Banks
6959618072
Cash And Cash Equivalents At Carrying Value
7262648475
Marketable Securities
5454565655
Federal Home Loan Bank Stock
11111
Assets
Assets
737722727743735
Notes Receivable Net
558554555553552
Property Plant And Equipment Net
77777
Interest Receivable
33333
Bank Owned Life Insurance
3232322930
Other Assets
101091011
Liabilities And Stockhold…
Interest Bearing Deposit Liabilities Domestic
482476477501536
Noninterest Bearing Deposit Liabilities Domestic
9691968991
Deposits
578567573590627
Liabilities
Liabilities
592580586603642
Long Term Debt
--022
Advance Payments By Borrowers For Taxes And Insura…
32313
Other Accounts Payable And Accrued Liabilities
10119109
Preferred Stock Value
000--
Common Stock Value
00000
Additional Paid In Capital Common Stock
6666666632
Stockholders Equity
Stockholders Equity
14514214213993
Treasury Stock Value
--00-13
Deferred Compensation Equity
----0-0
Retained Earnings Accumulated Deficit
9190888785
Accumulated Other Comprehensive Income Loss Net Of…
-8-8-8-9-10
Liabilities And Stockholders Equity
737722727743735
Financing Receivable Allowance For Credit Losses
-5555
Preferred Stock Par Or Stated Value Per Share
0.010.010.010.01-
Preferred Stock Shares Authorized
10101010-
Preferred Stock Shares Issued
0000-
Preferred Stock Shares Outstanding
0000-
Common Stock Par Or Stated Value Per Share
0.010.010.010.010.01
Common Stock Shares Authorized
4040404025
Common Stock Shares Issued
88885
Shares Outstanding
88886
Treasury Stock Common Shares
--001

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-0.63%5.40%7.47%---------
2025---3.45%1.65%8.39%3.55%2.37%6.69%7.69%9.75%9.33%

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Performance and Valuation Metrics

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Metrics
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
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Leverage & Debt
Interest Coverage TTM
-0.64
-0.64
-
-
-
Per Share Metrics
Diluted EPS TTM
1.28
1.25
-
-
-
Free Cash Flow Per Share TTM
1.38
1.46
-
-
-
Dividend Per Share TTM
0.32
0.32
-
-
-
Margin Metrics
Gross Profit Margin TTM
70.14%
68.87%
-
-
-
Operating Profit Margin TTM
25.12%
24.49%
-
-
-
Net Profit Margin TTM
20.71%
20.27%
-
-
-
Valuation Metrics
P/E TTM
13.84
12.00
-
-
-
P/B TTM
0.90
0.78
0.76
0.67
0.94
P/S TTM
2.87
2.43
-
-
-
Market Cap
130.71M
110.35M
108.27M
93.81M
86.89M
Enterprise Value
58.47M
48.74M
43.99M
12.18M
13.52M
Calculated Values
Free Cash Flow TTM
10.22M
10.74M
-
-
-
Net Debt
-72.24M
-61.61M
-64.28M
-81.64M
-73.37M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Lake Shore Bancorp, Inc. /MD/ (LSBK) — SEC Financial Statements & Analysis

Lake Shore Bancorp, Inc. /MD/ (LSBK) is a savings institution, federally chartered company, incorporated in MD. Lake Shore Bancorp, Inc. /MD/ trades on Nasdaq as: LSBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Lake Shore Bancorp, Inc. /MD/ reported a Gross Profit Margin of 70.14% (TTM), a Price-to-Sales (P/S) ratio of 2.87x (TTM), a Price-to-Book (P/B) ratio of 0.90x (TTM), at a market cap of $130.71M. Figures below are sourced from SEC EDGAR, as-filed.

Gross Profit Margin TTM
70.14%
P/S TTM
2.87x
P/B TTM
0.90x
Market Cap
$130.71M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Lake Shore Bancorp, Inc. /MD/ in?

Lake Shore Bancorp, Inc. /MD/ (LSBK) operates in the Savings Institution, Federally Chartered industry.

What is LSBK's market cap?

Lake Shore Bancorp, Inc. /MD/ (LSBK) has a market capitalization of $130.71M as of 2026-06-30.

What is LSBK's P/E ratio?

Lake Shore Bancorp, Inc. /MD/ (LSBK)'s trailing twelve month P/E ratio is 13.84x as of 2026-06-30.

What exchange does LSBK trade on?

Lake Shore Bancorp, Inc. /MD/ (LSBK) trades on the Nasdaq.

Where is Lake Shore Bancorp, Inc. /MD/ incorporated?

Lake Shore Bancorp, Inc. /MD/ is incorporated in MD.

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