$LSBK Market Cap: $79.78 Million
Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue
$26.21M
TTM
Gross Margin
Net Earnings
$4.931M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
$685.5M
Q4 2024
Total Liabilities
$595.6M
Q4 2024
Book Value
$89.87M
Q4 2024
Cash
$33.13M
Q4 2024
P/E
16.18
Apr 09, 2025 EST
Free Cash Flow
-$881.0K
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Revenue $34.80M $33.76M $1.104M $24.66M $24.34M $24.27M $21.54M $19.41M $17.52M
YoY Change 3.11% 2957.52% -95.52% 1.33% 0.28% 12.68% 10.96% 10.79%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Revenue $34.80M $33.76M $1.104M $24.66M $24.34M $24.27M $21.54M $19.41M $17.52M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operating Profits/Loss YoY Change

No data

Operating Earnings to Gross Profit Ratio

No data

Operating Profit Margin

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $807.0K $856.0K $870.0K $840.0K $810.0K $770.0K $850.0K $870.0K $830.0K $750.0K $700.0K $660.0K $660.0K $600.0K $550.0K $530.0K $540.0K $640.0K $620.0K $610.0K $450.0K
YoY Change -5.72% -1.61% 3.57% 3.7% 5.19% -9.41% -2.3% 4.82% 10.67% 7.14% 6.06% 0.0% 10.0% 9.09% 3.77% -1.85% -15.63% 3.23% 1.64% 35.56% 21.62%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Operating Profit To Gross Profit
Operating Profit To Revenue

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Interest Expense $9.397M $2.415M $2.665M $4.404M $5.197M $3.602M $2.630M $2.294M
YoY Change 289.11% -9.38% -39.49% -15.26% 44.28% 36.96% 14.65%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Pretax Income $5.866M $6.219M $6.870M $7.475M $5.382M $4.742M $4.585M $4.563M $4.290M $4.050M $3.730M $4.710M $4.610M $5.070M $3.420M $2.880M $1.810M $2.270M $2.730M $3.010M $3.080M $2.250M
YoY Change -5.68% -9.48% -8.09% 38.89% 13.5% 3.42% 0.48% 6.36% 5.93% 8.58% -20.81% 2.17% -9.07% 48.25% 18.75% 59.12% -20.26% -16.85% -9.3% -2.27% 36.89% -32.23%
Income Tax $935.0K $1.399M $1.162M $1.288M $824.0K $655.0K $585.0K $1.185M $775.0K $720.0K $570.0K $970.0K $980.0K $1.390M $370.0K $720.0K $340.0K $450.0K $910.0K $950.0K $900.0K $740.0K
% Of Pretax Income 15.94% 22.5% 16.91% 17.23% 15.31% 13.81% 12.76% 25.97% 18.07% 17.78% 15.28% 20.59% 21.26% 27.42% 10.82% 25.0% 18.78% 19.82% 33.33% 31.56% 29.22% 32.89%
Net Earnings $4.931M $4.820M $5.708M $6.187M $4.558M $4.087M $4.000M $3.378M $3.515M $3.340M $3.160M $3.740M $3.630M $3.680M $3.040M $2.160M $1.470M $1.820M $1.820M $2.050M $2.180M $1.510M
YoY Change 2.3% -15.56% -7.74% 35.74% 11.52% 2.18% 18.41% -3.9% 5.24% 5.7% -15.51% 3.03% -1.36% 21.05% 40.74% 46.94% -19.23% 0.0% -11.22% -5.96% 44.37% -32.59%
Net Earnings / Revenue 14.17% 14.28% 517.03% 25.09% 18.73% 16.84% 18.57% 17.41% 20.07%
Basic Earnings Per Share $0.88 $0.82 $0.97 $1.05 $0.77 $0.68 $0.66 $0.55 $0.58
Diluted Earnings Per Share $0.88 $0.85 $1.00 $1.05 $0.77 $0.68 $0.66 $0.55 $0.58 $564.2K $546.7K $653.8K $635.7K $645.6K $526.0K $366.1K $243.4K $294.5K $284.8K $482.4K $512.9K $355.3K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $8.101M $8.659M $519.7M $9.600M $10.20M $9.400M $9.400M $8.700M $9.100M $9.500M $9.600M $9.700M $8.500M $9.000M $8.000M $8.200M $6.900M $7.200M $7.700M $6.600M $6.500M
YoY Change -6.44% -98.33% 5313.54% -5.88% 8.51% 0.0% 8.05% -4.4% -4.21% -1.04% -1.03% 14.12% -5.56% 12.5% -2.44% 18.84% -4.17% -6.49% 16.67% 1.54%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $900.0K
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $725.1M $699.9M $713.7M $686.2M $610.9M $545.7M $519.0M $489.2M $473.4M $487.5M $482.2M $482.4M $488.6M $479.0M $425.7M $407.8M $357.8M $354.2M $333.7M $329.8M $303.5M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $242.0K $534.0K $500.0K $700.0K $800.0K
YoY Change -54.68% 6.8% -28.57% -12.5%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $12.60M $0.00 $11.70M $11.20M $6.900M $5.000M $6.900M $5.500M $18.50M $10.60M $11.20M $11.70M $11.80M
YoY Change -100.0% 4.46% 62.32% 38.0% -27.54% 25.45% -70.27% 74.53% -5.36% -4.27% -0.85%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $242.0K $13.13M $500.0K $700.0K $800.0K $11.70M $11.20M $6.900M $5.000M $6.900M $5.500M $18.50M $10.60M $11.20M $11.70M $11.80M
YoY Change -98.16% 2526.0% -28.57% -12.5% 4.46% 62.32% 38.0% -27.54% 25.45% -70.27% 74.53% -5.36% -4.27% -0.85%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $24.70M $27.00M $19.00M $21.20M $19.00M $7.900M $14.40M $27.20M $34.20M $36.20M $46.50M $37.90M $32.80M $37.50M $42.30M $31.50M
YoY Change -100.0% -8.52% 42.11% -10.38% 11.58% 140.51% -45.14% -47.06% -20.47% -5.52% -22.15% 22.69% 15.55% -12.53% -11.35% 34.29%
Other Long-Term Liabilities $5.231M $3.254M $6.100M $5.700M $6.300M $6.300M $6.100M $5.600M $5.500M $5.600M $5.700M $8.100M $7.600M $5.900M $5.700M $5.400M $4.400M $5.000M $3.700M $3.300M $2.800M
YoY Change 60.76% -46.66% 7.02% -9.52% 0.0% 3.28% 8.93% 1.82% -1.79% -1.75% -29.63% 6.58% 28.81% 3.51% 5.56% 22.73% -12.0% 35.14% 12.12% 17.86%
Total Long-Term Liabilities $5.231M $3.254M $6.100M $5.700M $6.300M $31.00M $33.10M $24.60M $26.70M $24.60M $13.60M $22.50M $34.80M $40.10M $41.90M $51.90M $42.30M $37.80M $41.20M $45.60M $34.30M
YoY Change 60.76% -46.66% 7.02% -9.52% -79.68% -6.34% 34.55% -7.87% 8.54% 80.88% -39.56% -35.34% -13.22% -4.3% -19.27% 22.7% 11.9% -8.25% -9.65% 32.94%
Total Liabilities $638.8M $618.7M $625.8M $600.3M $528.0M $465.9M $440.6M $413.1M $399.5M $415.8M $416.9M $415.4M $424.7M $423.8M $370.2M $353.6M $304.3M $300.5M $305.7M $302.9M $278.6M
YoY Change 3.25% -1.13% 4.25% 13.69% 13.33% 5.74% 6.66% 3.4% -3.92% -0.26% 0.36% -2.19% 0.21% 14.48% 4.69% 16.2% 1.26% -1.7% 0.92% 8.72%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003
Basic Shares Outstanding 5.622M 5.856M 5.879M 5.885M 5.955M 6.002M 6.076M 6.110M 6.015M
Diluted Shares Outstanding 5.622M 5.856M 5.879M 5.888M 5.955M 6.002M 6.086M 6.119M 6.023M 5.919M 5.783M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $79.776 Million

About Lake Shore Bancorp Inc

Lake Shore Bancorp, Inc. operates as a savings and loan holding company for Lake Shore Servings Bank. The company is headquartered in Dunkirk New York, New York. The company went IPO on 2006-04-04. The Bank has 11 full-service branch locations in Western New York, including five in Chautauqua County and six in Erie County. The Bank offers a range of retail and commercial lending and deposit services. The Bank’s principal business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, primarily in commercial real estate loans, one-to four-family residential mortgage loans, home equity lines of credit and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its primary sources of funds for lending and investments are deposits, borrowings, brokered deposits, receipts of principal and interest payments on loans and securities.

Industry: Savings Institution, Federally Chartered Peers: BROADWAY FINANCIAL CORP \DE\ Cullman Bancorp, Inc. Ffbw Inc FIDELITY FEDERAL BANCORP Finance of America Companies Inc Home Federal Bancorp Inc of Louisiana Magyar Bancorp Inc Rocket Companies Inc