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/ cash flow 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
Stock-Based Compensation	–	–	–	–	–	–	–	0.45	0.44	0.22	0.22	0.11	0.04	0.04	0.22	0.33	0.32
Deferred Income Taxes	-0.10	0.13	0.02	-0.19	0.22	-0.49	-0.04	0.14	0.22	-0.22	0.26	-0.03	-0.05	-0.24	-0.04	0.11	-0.32
Operating Cash Flow	8.00	2.51	6.21	8.21	8.55	5.60	5.84	6.11	5.83	4.29	4.96	4.35	5.38	6.75	6.15	4.90	2.55
Capital Expenditures	–	–	-0.39	-0.41	-0.63	-0.40	-0.81	-0.82	-1.48	-0.47	-0.46	-0.63	-0.66	-1.82	-0.22	-1.62	-0.30
Purchase of Investments	–	–	–	-6.14	-30	-28	-2.27	-16	-13	–	–	–	-36	-33	-30	-77	-38
Sale & Maturity of Investments	226	3.20	14	7.51	19	21	19	9.43	19	26	24	25	30	36	29	40	32
Investing Cash Flow	-8.13	21	20	-57	-5.74	-62	-65	-39	-36	-7.25	9.91	16	-11	0.18	-14	-45	-25
Dividends Paid	-1.68	-1.08	–	-1.44	-1.08	-1.02	-1.27	-0.88	-0.74	-0.89	-0.61	-0.59	-0.59	-0.93	-0.65	-0.53	-0.47
Share Repurchases	-0.05	-0.02	-0.06	-0.09	-2.26	-1.59	-1.42	-1.45	-0.27	-0.46	-0.75	-0.06	-0.12	-0.21	-0.17	-1.62	-0.72
Stock Issued	43	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Debt Issued	–	–	15	5.00	–	1.20	16	1.50	9.70	–	10	15	1.75	–	4.10	9.30	4.05
Debt Repaid	-10	-25	-4.95	-2.00	-7.80	-6.10	-6.25	-3.80	-1.70	-2.20	-8.25	-4.10	-8.30	-13	-11	-11	-14
Short-Term Debt Issued (Repaid), Net	–	–	-13	13	–	–	–	–	–	–	–	-12	0.45	4.29	1.91	-1.85	1.35
Financing Cash Flow	31	-44	18	-8.95	22	69	58	23	26	14	-16	-1.91	3.20	-11	-1.70	51	15
Net Change in Cash	–	–	–	–	–	–	–	-10	-4.57	11	-1.58	19	-2.56	-3.94	-9.81	11	-6.97
Free Cash Flow	–	–	5.81	7.80	7.92	5.20	5.03	5.30	4.35	3.83	4.50	3.72	4.73	4.93	5.94	3.28	2.25
Income Taxes Paid	–	1.12	1.32	0.98	1.35	1.10	0.77	0.53	0.92	0.91	0.58	0.83	1.13	1.11	1.18	1.19	0.76
Interest Paid	12	14	8.63	2.40	2.68	4.41	5.18	3.60	2.61	2.30	2.76	3.33	3.57	4.64	5.68	6.32	7.99

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%