LSBKNasdaqSavings Institution, Federally CharteredFiscal year ends December 31

Lake Shore Bancorp, Inc. /MD/

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 11, 2026

$18.12−0.11 (-0.60%)

Close on Oct 19, 2026

Market cap: $133.99M
P/E (TTM): 16.0
Dividend yield: 1.71%

Lake Shore Bancorp, Inc. /MD/ income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	28	24	27	1.10	1.05	0.88	1.13	1.85	1.80	19	18	17	17	17	17	17	14
Advertising Expenses	0.06	0.09	0.58	0.71	0.60	0.67	0.71	0.61	0.60	0.54	0.36	0.43	0.44	0.44	0.35	0.42	0.36
Interest Expense	–	–	9.40	2.42	2.67	4.40	5.20	3.60	2.63	2.29	2.76	3.35	3.56	4.60	5.64	6.32	7.93
Gain (Loss) on Investments	0.15	0.05	–	–	–	–	–	–	0.24	–	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	0.00	0.01	–	–	–	–	–	–	–	–	–	–	0.00	0.00	0.00	-0.01	0.00
Pretax Income	8.75	5.87	6.22	6.87	7.48	5.38	4.74	4.59	4.56	4.29	4.05	3.73	4.71	–	–	–	–
Income Tax Expense	1.48	0.94	1.40	1.16	1.29	0.82	0.66	0.59	1.19	0.78	0.72	0.57	0.97	0.98	1.39	0.37	0.72
Net Income	7.27	4.93	4.82	5.71	6.19	4.56	4.09	4.00	3.38	3.52	3.34	3.16	3.74	3.63	3.68	3.04	2.16
EPS (Basic)(per share)	0.97	0.65	0.82	0.97	1.05	0.77	0.68	0.66	0.55	0.58	0.57	0.55	0.66	0.64	0.65	0.53	0.37
EPS (Diluted)(per share)	0.97	0.65	0.82	0.97	1.05	0.77	0.68	0.66	0.55	0.58	0.56	0.55	0.65	0.64	0.65	0.53	0.37
Shares Outstanding (Basic, Weighted)(shares)	7.51	7.62	5.86	5.88	5.89	5.96	6.00	6.08	6.11	6.01	5.89	5.75	5.70	5.70	5.69	5.78	–
Shares Outstanding (Diluted, Weighted)(shares)	7.52	7.62	5.86	5.88	5.89	5.96	6.00	6.09	6.12	6.02	5.92	5.78	5.72	5.71	5.70	5.78	–
Dividend per Share(per share)	0.31	0.40	–	0.68	0.54	0.49	0.48	0.40	0.32	0.28	0.28	0.28	0.28	0.25	0.28	0.24	0.20
Total Interest Income	36	35	34	27	25	24	24	22	19	18	18	18	19	20	21	20	20
Net Interest Income	25	21	24	24	22	20	19	18	17	15	15	15	15	15	15	14	12
Non-Interest Income	3.27	3.30	2.64	2.70	3.19	2.99	2.49	2.47	2.66	4.07	2.71	2.24	2.09	2.03	1.67	3.45	2.42
Provision for Credit Losses	-0.18	-1.48	-1.04	0.73	0.65	1.63	0.90	0.39	0.51	1.13	0.40	0.22	0.11	0.66	0.42	2.12	0.27
Non-Interest Expense	19	20	22	19	17	16	16	15	14	14	13	13	12	12	11	12	11

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 28.2%
Return on equity, FY2025: 6.3%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 16.0
Price to sales: 4.51
Price to book: 0.93
Dividend yield: 1.71%