Lake Shore Bancorp Inc
NASDAQ: LSBK · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-07-10
Lake Shore Bancorp Inc (LSBK) Financial statements
SEC filings — annual and quarterly data.
Margin trends — annual
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2006 | $19.58M | $1.82M | 58.10% | 13.94% | 9.29% |
| 2007 | $20.62M | $1.82M | 55.21% | 11.00% | 8.81% |
| 2008 | $22.52M | $1.47M | 59.28% | 8.05% | 6.53% |
| 2009 | $22.11M | $2.16M | 62.94% | 13.02% | 9.77% |
| 2010 | $23.38M | $3.04M | 63.94% | 14.61% | 13.02% |
| 2011 | $22.43M | $3.68M | 73.02% | 22.62% | 16.41% |
| 2012 | $21.68M | $3.63M | 75.74% | 21.26% | 16.73% |
| 2013 | $20.71M | $3.74M | 82.32% | 22.75% | 18.08% |
| 2014 | $20.11M | $3.16M | 82.25% | 18.52% | 15.70% |
| 2015 | $20.29M | $3.34M | 84.44% | 19.98% | 16.45% |
| 2016 | $21.59M | $3.52M | 84.16% | 19.87% | 16.28% |
| 2017 | $22.06M | $3.38M | 85.77% | 20.68% | 15.31% |
| 2018 | $24.01M | $4.00M | 83.37% | 19.10% | 16.66% |
| 2019 | $26.76M | $4.09M | 77.22% | 17.72% | 15.27% |
| 2020 | $27.33M | $4.56M | 77.94% | 19.69% | 16.68% |
| 2021 | $27.85M | $6.19M | 88.10% | 26.84% | 22.22% |
| 2022 | $29.46M | $5.71M | 89.34% | 23.32% | 19.38% |
| 2023 | $36.39M | $4.82M | 77.04% | 17.07% | 13.25% |
| 2024 | $38.11M | $4.93M | 67.82% | 15.39% | 12.94% |
| 2025 | $39.55M | $7.27M | 70.93% | 22.12% | 18.38% |
Frequently asked questions
What is Lake Shore Bancorp Inc's revenue?
Lake Shore Bancorp Inc's trailing twelve-month revenue is $29.35M. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is LSBK?
In its most recent fiscal year, LSBK ran a gross margin of 70.93%, an operating margin of 22.12%, and a net margin of 18.38%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does LSBK generate?
LSBK produced $7.44M in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is LSBK's balance sheet healthy?
LSBK holds $64.28M in cash and equivalents against — in long-term debt, on $141.64M of shareholder equity. That debt is best read against the cash flow the business throws off each year.