LSBK
Lake Shore Bancorp Inc
NASDAQ: LSBK · FINANCIAL SERVICES · BANKS - REGIONAL
$15.92
+0.22% today
Updated 2026-04-30
Market cap
$125.42M
P/E ratio
15.34
P/S ratio
4.27x
EPS (TTM)
$1.04
Dividend yield
2.26%
52W range
$11 – $16
Volume
0.0M
Lake Shore Bancorp Inc (LSBK) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19.58M | $20.62M | $22.52M | $22.11M | $23.38M | $22.43M | $21.68M | $20.71M | $20.11M | $20.29M | $21.59M | $22.06M | $24.01M | $26.76M | $27.33M | $27.85M | $29.46M | $36.39M | $38.11M | $39.55M |
| Revenue growth (YoY) | — | +5.3% | +9.2% | -1.8% | +5.8% | -4.1% | -3.3% | -4.5% | -2.9% | +0.9% | +6.4% | +2.2% | +8.8% | +11.4% | +2.1% | +1.9% | +5.8% | +23.5% | +4.7% | +3.8% |
| Cost of revenue | $8.20M | $9.24M | $9.17M | $8.19M | $8.43M | $6.05M | $5.26M | $3.66M | $3.57M | $3.16M | $3.42M | $3.14M | $3.99M | $6.10M | $6.03M | $3.31M | $3.14M | $8.35M | $12.26M | $11.50M |
| Gross profit | $11.38M | $11.39M | $13.35M | $13.91M | $14.95M | $16.38M | $16.42M | $17.05M | $16.54M | $17.14M | $18.17M | $18.92M | $20.02M | $20.66M | $21.30M | $24.53M | $26.32M | $28.04M | $25.85M | $28.06M |
| Gross margin | 58.1% | 55.2% | 59.3% | 62.9% | 63.9% | 73.0% | 75.7% | 82.3% | 82.3% | 84.4% | 84.2% | 85.8% | 83.4% | 77.2% | 77.9% | 88.1% | 89.3% | 77.0% | 67.8% | 70.9% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $4.58M | $4.88M | $5.82M | $6.95M | $6.60M | $6.21M | $6.32M | $6.46M | $6.89M | $7.17M | $7.45M | $7.78M | $8.53M | $8.85M | $8.76M | $9.18M | $10.13M | $12.37M | $12.25M | $8.85M |
| Operating income | $2.73M | $2.27M | $1.81M | $2.88M | $3.42M | $5.07M | $4.61M | $4.71M | $3.73M | $4.05M | $4.29M | $4.56M | $4.58M | $4.74M | $5.38M | $7.47M | $6.87M | $6.21M | $5.87M | $8.75M |
| Operating margin | 13.9% | 11.0% | 8.0% | 13.0% | 14.6% | 22.6% | 21.3% | 22.8% | 18.5% | 20.0% | 19.9% | 20.7% | 19.1% | 17.7% | 19.7% | 26.8% | 23.3% | 17.1% | 15.4% | 22.1% |
| EBITDA | $3.38M | $2.81M | $2.34M | $3.42M | $4.02M | $5.73M | $5.27M | $5.41M | $4.47M | $4.89M | $5.16M | $5.42M | $5.36M | $5.55M | $6.22M | $8.34M | $7.73M | $7.03M | $6.61M | $9.21M |
| EBITDA margin | 17.3% | 13.6% | 10.4% | 15.5% | 17.2% | 25.5% | 24.3% | 26.1% | 22.2% | 24.1% | 23.9% | 24.5% | 22.3% | 20.7% | 22.8% | 29.9% | 26.2% | 19.3% | 17.3% | 23.3% |
| EBIT | $2.73M | $2.27M | $1.81M | $2.88M | $3.42M | $5.07M | $4.61M | $4.71M | $3.73M | $4.05M | $4.29M | $4.56M | $4.58M | $4.74M | $5.38M | $7.47M | $6.87M | $6.22M | $5.87M | $8.75M |
| Interest expense | $8.04M | $9.13M | $8.78M | $7.93M | $6.32M | $5.64M | $4.60M | $3.56M | $3.35M | $2.76M | $2.29M | $2.63M | $3.60M | $5.20M | $4.40M | $2.67M | $2.42M | $9.40M | $13.74M | $11.72M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $1.82M | $1.82M | $1.47M | $2.16M | $3.04M | $3.68M | $3.63M | $3.74M | $3.16M | $3.34M | $3.52M | $3.38M | $4.00M | $4.09M | $4.56M | $6.19M | $5.71M | $4.82M | $4.93M | $7.27M |
| Net income growth (YoY) | — | -0.1% | -19.1% | +47.0% | +40.8% | +20.9% | -1.5% | +3.2% | -15.6% | +5.7% | +5.3% | -3.9% | +18.4% | +2.2% | +11.5% | +35.7% | -7.7% | -15.6% | +2.3% | +47.4% |
| Profit margin | 9.3% | 8.8% | 6.5% | 9.8% | 13.0% | 16.4% | 16.7% | 18.1% | 15.7% | 16.4% | 16.3% | 15.3% | 16.7% | 15.3% | 16.7% | 22.2% | 19.4% | 13.2% | 12.9% | 18.4% |