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Lake Shore Bancorp, Inc. LSBK

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18.98 USD +0.19 (+1.01%)

At closeNov 4, 2026, 4:00 PM EST

18.98 0.00 0.00%

After hours · Nov 4, 4:00 PM ET

18.90 Day range 19.04
13.83 52-week range 19.34
YTD
+29.47%
1 year
+34.13%

Financial health

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 3
  • Return on Equity 1
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 15.3×
FY 2016: 28.0×FY 2017: 30.9×FY 2018: 22.7×FY 2019: 22.6×FY 2020: 17.1×FY 2021: 10.5×FY 2022: 12.4×FY 2023: 14.2×FY 2024: 15.6×FY 2025: 15.3×
FY 2016 5y median 14.2× FY 2025
P/S 2.8×
FY 2016: 4.5×FY 2017: 4.8×FY 2018: 3.8×FY 2019: 3.4×FY 2020: 2.8×FY 2021: 3.1×FY 2022: 2.4×FY 2023: 1.9×FY 2024: 2.0×FY 2025: 2.8×
FY 2016 5y median 2.4× FY 2025
P/B 0.8×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
P/FCF 14.7×
FY 2016: 25.6×FY 2017: 24.1×FY 2018: 17.3×FY 2019: 18.3×FY 2020: 14.9×FY 2021: 11.1×FY 2022: 9.1×FY 2023: 11.8×FY 2024: 30.8×FY 2025: 14.7×
FY 2016 5y median 11.8× FY 2025
EV/EBITDA 5.0×
FY 2016: 19.8×FY 2017: 21.7×FY 2018: 19.4×FY 2019: 17.3×FY 2020: 10.3×FY 2021: 5.0×FY 2022: 12.8×FY 2023: 7.1×FY 2024: 8.2×FY 2025: 5.0×
FY 2016 5y median 7.1× FY 2025
EV/Sales 1.2×
FY 2016: 4.7×FY 2017: 5.3×FY 2018: 4.3×FY 2019: 3.6×FY 2020: 2.4×FY 2021: 1.5×FY 2022: 3.4×FY 2023: 1.4×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 1.4× FY 2025
FCF Yield 6.8%
FY 2016: 3.9%FY 2017: 4.1%FY 2018: 5.8%FY 2019: 5.5%FY 2020: 6.7%FY 2021: 9.0%FY 2022: 11.0%FY 2023: 8.5%FY 2024: 3.2%FY 2025: 6.8%
FY 2016 5y median 8.5% FY 2025

Profitability

Gross Margin 70.9%
FY 2016: 84.2%FY 2017: 85.8%FY 2018: 83.4%FY 2019: 77.2%FY 2020: 77.9%FY 2021: 88.1%FY 2022: 89.3%FY 2023: 77.0%FY 2024: 67.8%FY 2025: 70.9%
FY 2016 5y median 77.0% FY 2025
Operating Margin 22.1%
FY 2016: 19.9%FY 2017: 20.7%FY 2018: 19.1%FY 2019: 17.7%FY 2020: 19.7%FY 2021: 26.8%FY 2022: 23.3%FY 2023: 17.1%FY 2024: 15.4%FY 2025: 22.1%
FY 2016 5y median 22.1% FY 2025
Net Margin 18.4%
FY 2016: 16.3%FY 2017: 15.3%FY 2018: 16.7%FY 2019: 15.3%FY 2020: 16.7%FY 2021: 22.2%FY 2022: 19.4%FY 2023: 13.2%FY 2024: 12.9%FY 2025: 18.4%
FY 2016 5y median 18.4% FY 2025
ROE 5.1%
FY 2016: 4.6%FY 2017: 4.3%FY 2018: 5.0%FY 2019: 4.9%FY 2020: 5.3%FY 2021: 7.0%FY 2022: 7.0%FY 2023: 5.6%FY 2024: 5.5%FY 2025: 5.1%
FY 2016 5y median 5.6% FY 2025
ROIC 1.0%
FY 2016: 3.4%FY 2017: 3.0%FY 2018: 3.5%FY 2019: 3.2%FY 2020: 3.6%FY 2021: 5.1%FY 2022: 4.4%FY 2023: 3.6%FY 2024: 4.4%FY 2025: 1.0%
FY 2016 5y median 4.4% FY 2025
ROA 1.0%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 0.7%FY 2019: 0.7%FY 2020: 0.7%FY 2021: 0.9%FY 2022: 0.8%FY 2023: 0.7%FY 2024: 0.7%FY 2025: 1.0%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 3.8%
FY 2016: 6.4%FY 2017: 2.2%FY 2018: 8.8%FY 2019: 11.4%FY 2020: 2.1%FY 2021: 1.9%FY 2022: 5.8%FY 2023: 23.5%FY 2024: 4.7%FY 2025: 3.8%
FY 2016 FY 2025
Operating Income 49.2%
FY 2016: 5.8%FY 2017: 6.4%FY 2018: 0.5%FY 2019: 3.4%FY 2020: 13.5%FY 2021: 38.9%FY 2022: -8.1%FY 2023: -9.6%FY 2024: -5.6%FY 2025: 49.2%
FY 2016 FY 2025
EPS (diluted) 47.7%
FY 2016: 2.4%FY 2017: -4.7%FY 2018: 19.5%FY 2019: 2.0%FY 2020: 12.0%FY 2021: 87.5%FY 2022: -31.4%FY 2023: -15.3%FY 2024: 6.6%FY 2025: 47.7%
FY 2016 FY 2025
Free Cash Flow 196.6%
FY 2016: -15.1%FY 2017: 13.6%FY 2018: 21.8%FY 2019: -5.1%FY 2020: 3.5%FY 2021: 52.3%FY 2022: -1.6%FY 2023: -25.5%FY 2024: -56.9%FY 2025: 196.6%
FY 2016 FY 2025

Financial Health

Current Ratio 201×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 201×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 201×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 201×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -6.8×
FY 2016: 0.8×FY 2017: 2.3×FY 2018: 2.3×FY 2019: 0.8×FY 2020: -2.1×FY 2021: -5.5×FY 2022: 3.6×FY 2023: -2.6×FY 2024: -3.5×FY 2025: -6.8×
FY 2016 5y median -3.5× FY 2025
Interest Coverage 0.7×
FY 2016: 1.9×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 0.9×FY 2020: 1.2×FY 2021: 2.8×FY 2022: 2.8×FY 2023: 0.7×FY 2024: 0.4×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 0.9%
FY 2016: 0.9%FY 2017: 0.7%FY 2018: 1.0%FY 2019: 1.4%FY 2020: 1.3%FY 2021: 1.2%FY 2022: 2.0%FY 2023: 0.0%FY 2024: 1.4%FY 2025: 0.9%
FY 2016 5y median 1.2% FY 2025
Payout Ratio 14.0%
FY 2016: 25.3%FY 2017: 22.0%FY 2018: 22.0%FY 2019: 31.1%FY 2020: 22.4%FY 2021: 17.5%FY 2022: 25.2%FY 2023: 0.0%FY 2024: 21.9%FY 2025: 14.0%
FY 2016 5y median 17.5% FY 2025

Annual · latest fiscal year ends 2025-12-31