LSBK
Lake Shore Bancorp, Inc. /MD/Company Information
- Company Name
- Lake Shore Bancorp, Inc. /MD/
- CIK
- CIK0002059653
- Category
- Non-accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- LSBK: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6035
- SIC Description
- Savings Institution, Federally Chartered
- Ticker
- LSBK
SEC filing data through
Insider Sentiment
- Last purchase
- —
- Last sale
- —
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 0
Institutional Sentiment
- As of
- —
- Institutional shares owned
- —
- Shares outstanding
- —
- Ownership
- —
Earnings Market Reaction
- Filing date
- 2026-08-11
- Price on filing date
- —
- 1-month reaction
- 1.46%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 3 | 3 | 3 | 3 | 3 | ||||||
| Interest Bearing Deposits In Banks | 69 | 59 | 61 | 80 | 72 | ||||||
| Cash And Cash Equivalents At Carrying Value | 72 | 62 | 64 | 84 | 75 | ||||||
| Marketable Securities | 54 | 54 | 56 | 56 | 55 | ||||||
| Federal Home Loan Bank Stock | 1 | 1 | 1 | 1 | 1 | ||||||
Assets | |||||||||||
| Assets | 737 | 722 | 727 | 743 | 735 | ||||||
| Notes Receivable Net | 558 | 554 | 555 | 553 | 552 | ||||||
| Property Plant And Equipment Net | 7 | 7 | 7 | 7 | 7 | ||||||
| Interest Receivable | 3 | 3 | 3 | 3 | 3 | ||||||
| Bank Owned Life Insurance | 32 | 32 | 32 | 29 | 30 | ||||||
| Other Assets | 10 | 10 | 9 | 10 | 11 | ||||||
Liabilities And Stockholders Equity | |||||||||||
| Interest Bearing Deposit Liabilities Domestic | 482 | 476 | 477 | 501 | 536 | ||||||
| Noninterest Bearing Deposit Liabilities Domestic | 96 | 91 | 96 | 89 | 91 | ||||||
| Deposits | 578 | 567 | 573 | 590 | 627 | ||||||
Liabilities | |||||||||||
| Liabilities | 592 | 580 | 586 | 603 | 642 | ||||||
| Long Term Debt | - | - | 0 | 2 | 2 | ||||||
| Advance Payments By Borrowers For Taxes And Insurance | 3 | 2 | 3 | 1 | 3 | ||||||
| Other Accounts Payable And Accrued Liabilities | 10 | 11 | 9 | 10 | 9 | ||||||
| Preferred Stock Value | 0 | 0 | 0 | - | - | ||||||
| Common Stock Value | 0 | 0 | 0 | 0 | 0 | ||||||
| Additional Paid In Capital Common Stock | 66 | 66 | 66 | 66 | 32 | ||||||
Stockholders Equity | |||||||||||
| Stockholders Equity | 145 | 142 | 142 | 139 | 93 | ||||||
| Treasury Stock Value | - | - | 0 | 0 | -13 | ||||||
| Deferred Compensation Equity | - | - | - | -0 | -0 | ||||||
| Retained Earnings Accumulated Deficit | 91 | 90 | 88 | 87 | 85 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -8 | -8 | -8 | -9 | -10 | ||||||
| Liabilities And Stockholders Equity | 737 | 722 | 727 | 743 | 735 | ||||||
| Financing Receivable Allowance For Credit Losses | 5 | 5 | 5 | 5 | 5 | ||||||
| Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | - | ||||||
| Preferred Stock Shares Authorized | 10 | 10 | 10 | 10 | - | ||||||
| Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | - | ||||||
| Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | - | ||||||
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Common Stock Shares Authorized | 40 | 40 | 40 | 40 | 25 | ||||||
| Common Stock Shares Issued | 8 | 8 | 8 | 8 | 5 | ||||||
| Shares Outstanding | 8 | 8 | 8 | 8 | 6 | ||||||
| Treasury Stock Common Shares | - | - | 0 | 0 | 1 | ||||||
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Recent filings
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Start 7-day free trialLake 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. Lake Shore Bancorp, Inc. /MD/ (LSBK)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-11. Based on that filing, Lake Shore Bancorp, Inc. /MD/ carries a market cap of $130.71M, a P/E ratio of 13.84x, a P/B ratio of 0.90x, a P/S ratio of 2.87x, an enterprise value of $58.47M, and an EV/EBITDA multiple of -2.93x. On profitability, it posts a gross margin of 70.14%, an operating margin of 25.12%, a net margin of 20.71%, a Return on Equity (ROE) of 7.95%, and a Return on Invested Capital (ROIC) of -36.43%. Per share, it reports EPS of $1.28, diluted EPS of $1.28, free cash flow per share of $1.42, and a dividend per share of $0.36. On the balance sheet, it maintains an interest coverage ratio of -0.64x, free cash flow of $10.49M (TTM), and net debt of $-72.24M. Figures sourced from SEC EDGAR.
- Market Cap
- $130.71M
- P/E TTM
- 13.84x
- EPS TTM
- $1.28
- P/B TTM
- 0.90x
- ROE TTM
- 7.95%
- Free Cash Flow TTM
- $10.49M
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 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.
When was Lake Shore Bancorp, Inc. /MD/ (LSBK)'s most recent SEC filing?
Lake Shore Bancorp, Inc. /MD/ (LSBK)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-11.
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 is LSBK's EPS (earnings per share)?
Lake Shore Bancorp, Inc. /MD/ (LSBK)'s trailing twelve month EPS is $1.28 as of 2026-06-30.
What is LSBK's ROE (return on equity)?
Lake Shore Bancorp, Inc. /MD/ (LSBK)'s trailing twelve month Return on Equity (ROE) is 7.95% as of 2026-06-30.
What is LSBK's ROIC (return on invested capital)?
Lake Shore Bancorp, Inc. /MD/ (LSBK)'s trailing twelve month Return on Invested Capital (ROIC) is -36.43% as of 2026-06-30.
What is LSBK's EV/EBITDA?
Lake Shore Bancorp, Inc. /MD/ (LSBK)'s trailing twelve month EV/EBITDA is -2.93x as of 2026-06-30.