Lake Shore Bancorp, Inc. (LSBK)
NASDAQ: LSBK · Real-Time Price · USD
14.86
-0.16 (-1.07%)
At close: Dec 5, 2025, 4:00 PM EST
14.79
-0.07 (-0.47%)
After-hours: Dec 5, 2025, 4:00 PM EST
Lake Shore Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 32.12 | 30.71 | 30.01 | 24.51 | 22.75 | 22.07 | Upgrade
|
| Interest Income on Investments | 3.3 | 4.09 | 3.75 | 2.25 | 1.91 | 2.27 | Upgrade
|
| Total Interest Income | 35.41 | 34.8 | 33.76 | 26.75 | 24.66 | 24.34 | Upgrade
|
| Interest Paid on Deposits | 11.9 | 13.08 | 8.07 | 1.82 | 2.09 | 3.67 | Upgrade
|
| Interest Paid on Borrowings | 0.23 | 0.66 | 1.33 | 0.6 | 0.57 | 0.74 | Upgrade
|
| Total Interest Expense | 12.13 | 13.74 | 9.4 | 2.42 | 2.67 | 4.4 | Upgrade
|
| Net Interest Income | 23.28 | 21.06 | 24.36 | 24.34 | 21.99 | 19.93 | Upgrade
|
| Net Interest Income Growth (YoY) | 9.40% | -13.53% | 0.08% | 10.66% | 10.35% | 4.52% | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.24 | 0.06 | -0.04 | 0.02 | 0.03 | 0.06 | Upgrade
|
| Other Non-Interest Income | 3.42 | 3.24 | 2.68 | 2.71 | 2.62 | 2.09 | Upgrade
|
| Total Non-Interest Income | 3.66 | 3.3 | 2.64 | 2.7 | 3.19 | 2.99 | Upgrade
|
| Non-Interest Income Growth (YoY) | 15.80% | 25.39% | -2.55% | -15.18% | 6.55% | 20.06% | Upgrade
|
| Revenues Before Loan Losses | 26.94 | 24.37 | 26.99 | 27.04 | 25.18 | 22.92 | Upgrade
|
| Provision for Loan Losses | -0.83 | -1.48 | -1.04 | 0.73 | 0.65 | 1.63 | Upgrade
|
| Revenue | 27.77 | 25.85 | 28.04 | 26.32 | 24.53 | 21.3 | Upgrade
|
| Revenue Growth (YoY) | 9.61% | -7.81% | 6.53% | 7.28% | 15.18% | 3.08% | Upgrade
|
| Salaries and Employee Benefits | 11.42 | 11.11 | 11.15 | 9.52 | 8.63 | 8.31 | Upgrade
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| Occupancy Expenses | 2.42 | 2.57 | 2.76 | 2.9 | 2.69 | 2.45 | Upgrade
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| Federal Deposit Insurance | 0.33 | 0.8 | 1.11 | 0.27 | 0.18 | 0.12 | Upgrade
|
| Selling, General & Administrative | 4.5 | 4.54 | 5.73 | 5 | 4.34 | 3.84 | Upgrade
|
| Other Non-Interest Expense | 0.95 | 0.98 | 1.06 | 1.76 | 1.22 | 1.2 | Upgrade
|
| Total Non-Interest Expense | 19.62 | 19.98 | 21.82 | 19.45 | 17.06 | 15.92 | Upgrade
|
| EBT Excluding Unusual Items | 8.15 | 5.87 | 6.22 | 6.87 | 7.48 | 5.38 | Upgrade
|
| Pretax Income | 8.15 | 5.87 | 6.22 | 6.87 | 7.48 | 5.38 | Upgrade
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| Income Tax Expense | 1.35 | 0.94 | 1.4 | 1.16 | 1.29 | 0.82 | Upgrade
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| Net Income | 6.8 | 4.93 | 4.82 | 5.71 | 6.19 | 4.56 | Upgrade
|
| Net Income to Common | 6.8 | 4.93 | 4.82 | 5.71 | 6.19 | 4.56 | Upgrade
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| Net Income Growth | 61.58% | 2.30% | -15.56% | -7.74% | 35.74% | 11.52% | Upgrade
|
| Basic Shares Outstanding | 6 | 6 | 6 | 6 | 6 | 6 | Upgrade
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| Diluted Shares Outstanding | 6 | 6 | 6 | 6 | 6 | 6 | Upgrade
|
| Shares Change (YoY) | -21.89% | -3.99% | -0.41% | -0.14% | -1.13% | -0.78% | Upgrade
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| EPS (Basic) | 1.22 | 0.88 | 0.82 | 0.97 | 1.05 | 0.77 | Upgrade
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| EPS (Diluted) | 1.21 | 0.88 | 0.82 | 0.97 | 1.05 | 0.77 | Upgrade
|
| EPS Growth | 105.28% | 6.97% | -15.46% | -7.62% | 37.19% | 12.55% | Upgrade
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| Dividend Per Share | 0.270 | 0.720 | - | 0.520 | 0.570 | 0.500 | Upgrade
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| Dividend Growth | -50.00% | - | - | -8.77% | 14.00% | 4.17% | Upgrade
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| Effective Tax Rate | 16.56% | 15.94% | 22.50% | 16.91% | 17.23% | 15.31% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.