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 statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institution, Federally Chartered companies for comparison
Valuation
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Market Cap | $142.31M | $679.86M |
| Enterprise Value | $70.07M | $408.94M |
| PE Ratio | 16.04 | 11.99 |
| PS Ratio | 4.79 | 3.59 |
| PB Ratio | 0.98 | 1.18 |
| P/TBV Ratio | 0.98 | 1.41 |
| P/OCF Ratio | 13.40 | 10.01 |
Enterprise value
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| EV / Sales | 2.36 | 2.76 |
Income (trailing twelve months)
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Revenue | $29.73M | $170.85M |
| Pretax Income | $10.19M | $70.12M |
| Net Income | $8.39M | $54.33M |
| EPS (Diluted) | $1.13 | $2.91 |
Margins
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 34.3% | 36.5% |
| Profit Margin | 28.2% | 29.1% |
Returns
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 7.06% | 10.6% |
| Return on Assets (ROA) | 1.14% | 1.12% |
Growth
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 15.7% | 11.8% |
| Net Income Growth (YoY) | 45.2% | 23.2% |
| EPS Growth (YoY) | 48.7% | 23.1% |
| Revenue Growth (3Y CAGR) | 193.2% | 5.82% |
| Revenue Growth (5Y CAGR) | 99.6% | 6.17% |
| EPS Growth (3Y CAGR) | 0.00% | 1.31% |
| EPS Growth (5Y CAGR) | 4.73% | 8.24% |
Balance sheet
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $72.24M | $205.54M |
| Net Cash (Debt) | $72.24M | $164.40M |
| Net Cash Per Share | $9.20 | $8.13 |
| Equity (Book Value) | $144.76M | $563.88M |
| Book Value Per Share | $18.43 | $28.47 |
| Tangible Book Value | $144.76M | $475.36M |
Cash flow (trailing twelve months)
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $10.62M | $61.52M |
Efficiency
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $341.74K | $353.78K |
| Profits Per Employee | $96.43K | $107.28K |
| Employee Count | 87 | 489 |
Dividends and yields
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 5.89% | 8.13% |
| Dividend Yield | 1.71% | 2.48% |
| Buyback Yield | 0.06% | 1.55% |
| Shareholder Yield | 1.77% | 3.13% |
| Dividend Per Share | $0.31 | $0.93 |
| Dividend Growth (YoY) | -22.5% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 31.5% | 29.3% |
Shares
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 7,853,790 | 18,839,100 |
| Shares Change (YoY) | -3.67% | 0.40% |
| Shares Change (QoQ) | 0.01% | 0.00% |
| Float | 6,672,330 | 17,061,900 |
| Shares Held by Insiders | 15.0% | 5.89% |
| Shares Held by Institutions | 29.1% | 61.9% |
Taxes
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Income Tax | $1.81M | $14.50M |
| Effective Tax Rate | 17.7% | 21.1% |
Scores
| Measure | Lake Shore Bancorp | Industry median |
|---|---|---|
| Graham Number | $21.65 | $45.31 |
| Graham Upside | 19.5% | 21.9% |
| Altman Z-Score | 0.36 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from Lake Shore Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.