For the twelve months ended Jun 30, 2026, Lake Shore Bancorp Inc. reported $29.73M of revenue and $8.39M of net income.
LSBK revenue was $7.64M in fiscal Q2 2026 (ended Jun 30, 2026), up 10.4% from a year earlier and up 3.8% from the prior quarter. For the full fiscal 2025 it was $27.84M, up 14.2% from fiscal 2024.
LSBK net income was $2.17M in fiscal Q2 2026 (ended Jun 30, 2026), up 13.2% from a year earlier and up 13.0% from the prior quarter. For the full fiscal 2025 it was $7.27M, up 47.4% from fiscal 2024.
LSBK diluted EPS was $0.29 in fiscal Q2 2026 (ended Jun 30, 2026), up 16.0% from a year earlier and up 11.5% from the prior quarter. For the full fiscal 2025 it was $0.97, up 49.2% from fiscal 2024.
LSBK free cash flow was $2.26M in fiscal Q2 2026 (ended Jun 30, 2026), up 60.7% from a year earlier and down 18.8% from the prior quarter.
| Line item | Dec 31, 2025 | Dec 31, 2024 |
|---|---|---|
| Revenue | $27.84M | $24.37M |
| Pre-tax income | $8.75M | $5.87M |
| Income tax | $1.48M | $935.0K |
| Net income | $7.27M | $4.93M |
| EPS, basic | $0.97 | $0.65 |
| EPS, diluted | $0.97 | $0.65 |
| Diluted shares | 7.5M | 7.6M |
| Line item | Dec 31, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash and equivalents | $64.28M | $33.13M |
| Total assets | $727.32M | $685.50M |
| Total debt | $0 | $10.25M |
| Total liabilities | $585.68M | $595.64M |
| Shareholders' equity | $141.64M | $89.87M |
| Line item | Dec 31, 2025 | Dec 31, 2024 |
|---|---|---|
| Operating cash flow | $8.00M | $2.51M |
| Investing cash flow | -$8.13M | $21.12M |
| Financing cash flow | $31.28M | -$44.22M |
| Dividends paid | $1.68M | $1.08M |
| Share repurchases | $53.0K | $20.0K |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.64M | $7.36M | $7.31M | $7.42M | $6.92M | $6.19M | $6.41M | $6.17M | $5.94M | $5.84M |
| Pre-tax income | $2.65M | $2.35M | $2.35M | $2.85M | $2.30M | $1.26M | $1.75M | $1.59M | $1.33M | $1.20M |
| Income tax | $477.0K | $430.0K | $411.0K | $487.0K | $378.0K | $206.0K | $278.0K | $258.0K | $216.0K | $183.0K |
| Net income | $2.17M | $1.92M | $1.93M | $2.36M | $1.92M | $1.06M | $1.47M | $1.33M | $1.12M | $1.01M |
| EPS, basic | $0.29 | $0.26 | $0.26 | $0.32 | $0.25 | $0.14 | - | $0.18 | $0.19 | - |
| EPS, diluted | $0.29 | $0.26 | $0.26 | $0.32 | $0.25 | $0.14 | - | $0.18 | $0.19 | - |
| Diluted shares | 7.4M | 7.4M | - | 7.4M | 7.7M | 7.7M | - | 7.6M | 5.9M | - |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $72.24M | $61.61M | $64.28M | $83.64M | $75.37M | $30.43M | $33.13M | $73.67M | $60.99M | - |
| Total assets | $736.65M | $722.01M | $727.32M | $742.80M | $734.84M | - | $685.50M | - | - | - |
| Total debt | - | - | $0 | $2.00M | $2.00M | - | $10.25M | - | - | - |
| Total liabilities | $591.89M | $579.63M | $585.68M | $603.50M | $641.95M | - | $595.64M | - | - | - |
| Shareholders' equity | $144.76M | $142.38M | $141.64M | $139.31M | $92.88M | $90.66M | $89.87M | $89.88M | $86.93M | $86.51M |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $2.34M | $2.79M | $2.15M | $3.34M | $1.79M | $718.0K | $3.38M | -$1.42M | - | - |
| Capital expenditures | $80.0K | $8.0K | - | $41.0K | $386.0K | $150.0K | - | $0 | - | - |
| Free cash flow | $2.26M | $2.78M | - | $3.30M | $1.41M | $568.0K | - | -$1.42M | - | - |
| Investing cash flow | -$3.43M | $2.60M | -$3.36M | $1.16M | -$324.0K | -$5.60M | -$6.83M | $7.35M | - | - |
| Financing cash flow | $11.72M | -$8.07M | -$18.15M | $3.78M | $43.47M | $2.18M | -$37.09M | $6.75M | - | - |
| Dividends paid | $663.0K | $662.0K | $657.0K | $658.0K | $0 | $361.0K | $360.0K | $361.0K | - | - |
| Share repurchases | $50.0K | $32.0K | $2.0K | $0 | $16.0K | $35.0K | $3.0K | $0 | - | - |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 10.4% | 19.0% | 14.0% | 20.2% | 16.5% | 6.0% | - | - | - | - |
| Net income growth, YoY | 13.2% | 81.9% | 31.7% | 77.1% | 72.0% | 4.2% | - | - | - | - |
| EPS growth, YoY | 16.0% | 85.7% | - | 77.8% | 31.6% | - | - | - | - | - |
| Net margin | 28.4% | 26.1% | 26.5% | 31.8% | 27.7% | 17.1% | 22.9% | 21.6% | 18.8% | 17.4% |
| Free cash flow margin | 29.6% | 37.8% | - | 44.4% | 20.3% | 9.2% | - | -23.0% | - | - |
| Debt to equity | - | - | 0.00 | 0.01 | 0.02 | - | 0.11 | - | - | - |
Source: XBRL data Lake Shore Bancorp Inc. files with the SEC, latest filing dated Aug 11, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures are as filed. The filings show no stock split in these periods.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| LSBK | $29.73M | +15.7% | $8.39M | 28.2% | $149.1M |
| HSBC | $68.27B | +3.7% | $23.13B | 33.9% | $306.84B |
| AX | $1.55B | +23.0% | $507.67M | 32.7% | $5.36B |
| EBC | $1.12B | +61.3% | $376.13M | 33.5% | $5.33B |
| TFSL | $343.73M | +10.5% | $102.06M | 29.7% | $4.69B |
| PFS | $907.32M | +8.1% | $312.71M | 34.5% | $3.24B |
| BKU | $1.12B | +6.8% | $273.65M | 24.4% | $3.20B |
| CFFN | $229.25M | +19.4% | $82.83M | 36.1% | $1.10B |