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Lake Shore Bancorp, Inc. /MD/

LSBK

$17.05 ▼ -0.08 (-0.47%) at close

10 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Lake Shore Bancorp, Inc. /MD/ shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $125.3M

Dividend Yield 0.53%

Revenue Growth 19.0%

Op. Margin 32.0%

ROIC None

FCF / Share None

Trailing P/E 65.6x

Price / Book 0.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$7.36M

↑ +19.0% —

Net Income Profit after all expenses

$1.92M

↑ +81.9% —

Operating Margin Operating profit as % of sales

32.0%

↓ -16.7% 87th

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↓

Financial Health

Dividend History

Dividend / share · sourced from SEC filings

$0.31 Latest / share

-22.5% YoY

-22.5% 2-yr CAGR

FY 2023

$0.40

FY 2024

$0.31

FY 2025

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue Growth YoY (%)	19.0% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+216%)	—	20.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+236%)	16.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+174%)	—	—	—	—	—	—
EPS Growth YoY (%)	85.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	42.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	77.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	78.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	81.9% Excellent ↑ Excellent Improving Year-over-year change in net income	31.7% Excellent ↑ Excellent Improving Year-over-year change in net income	4.2% Caution Caution Year-over-year change in net income	4.2% Caution Caution Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Operating Margin (%) (%)	32.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	—	38.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	33.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	20.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	—	25.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.4% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	—	—
Effective Tax Rate (%) (%)	18.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	26.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	—	14.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	15.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	17.1% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	—	16.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	17.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	1.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Debt to Equity (x)	—	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	—	0.11x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue per Share (USD)	$1.00	—	$1.00	$1.22	$0.81	—	$0.81	$1.01	—	—
Basic EPS, GAAP (USD)	$0.26	$0.27	$0.32	$0.34	$0.14	$0.19	$0.18	$0.19	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.09	$0.09	$0.13	$0.18	$0.13	$0.13	$0.13	$0.18	—	—
Book Value per Share (USD)	$18.11	$18.08	$17.80	$16.13	$11.85	$11.57	$11.76	$14.77	—	—
Tangible Book Value per Share (USD)	$18.11	$18.08	$17.80	$16.13	$11.85	$11.57	$11.76	$14.77	—	—
Basic Weighted Avg Shares (shares)	7.35M	—	7.39M	5.67M	7.65M	—	7.64M	5.89M	—	—
Dividend Payout Ratio (%)	34.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.9% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	92.9% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	68.4% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	72.2% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	94.7% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	$0.00	$2.00M	$2.00M	—	$10.25M	—	—	—	—
Total Equity (USD)	$142.38M	$141.64M	$139.31M	$92.88M	$90.66M	$89.87M	$89.88M	$86.93M	$86.51M	$86.27M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$7.36M	—	$7.42M	$6.92M	$6.19M	—	$6.17M	$5.94M	—	—
Net Income, GAAP (USD)	$1.92M	$1.93M	$1.06M	$1.06M	$1.06M	$1.47M	$1.01M	$1.01M	—	—
Operating Cash Flow (USD)	$2.79M	$2.15M	$3.34M	$1.79M	$718.00K	$3.38M	$-1.42M	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.6%	3.4%	3.3%	—	3.1%	—	—	—	—
Efficiency Ratio (%) (%)	69.6%	—	65.3%	66.8%	78.8%	—	78.0%	82.4%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 3 years · 10 quarters

Lake Shore Bancorp, Inc. /MD/

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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