Lake Shore Bancorp, Inc. (LSBK)
NASDAQ: LSBK · Real-Time Price · USD
15.89
-0.06 (-0.38%)
Apr 28, 2026, 4:00 PM EDT - Market closed
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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 33.45 | 32.76 | 30.71 | 30.01 | 24.51 | 22.75 | Upgrade
|
| Interest Income on Investments | 3.52 | 3.52 | 4.09 | 3.75 | 2.25 | 1.91 | Upgrade
|
| Total Interest Income | 36.97 | 36.28 | 34.8 | 33.76 | 26.75 | 24.66 | Upgrade
|
| Interest Paid on Deposits | 11.04 | 11.55 | 13.08 | 8.07 | 1.82 | 2.09 | Upgrade
|
| Interest Paid on Borrowings | 0.17 | 0.17 | 0.66 | 1.33 | 0.6 | 0.57 | Upgrade
|
| Total Interest Expense | 11.21 | 11.72 | 13.74 | 9.4 | 2.42 | 2.67 | Upgrade
|
| Net Interest Income | 25.76 | 24.57 | 21.06 | 24.36 | 24.34 | 21.99 | Upgrade
|
| Net Interest Income Growth (YoY) | 20.40% | 16.63% | -13.53% | 0.08% | 10.66% | 10.35% | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.16 | 0.16 | 0.06 | -0.04 | 0.02 | 0.03 | Upgrade
|
| Other Non-Interest Income | 3.09 | 3.11 | 3.24 | 2.68 | 2.71 | 2.62 | Upgrade
|
| Total Non-Interest Income | 3.25 | 3.27 | 3.3 | 2.64 | 2.7 | 3.19 | Upgrade
|
| Non-Interest Income Growth (YoY) | -2.08% | -0.94% | 25.39% | -2.55% | -15.18% | 6.55% | Upgrade
|
| Revenues Before Loan Losses | 29.01 | 27.84 | 24.37 | 26.99 | 27.04 | 25.18 | Upgrade
|
| Provision for Loan Losses | -0.34 | -0.18 | -1.48 | -1.04 | 0.73 | 0.65 | Upgrade
|
| Revenue | 29.35 | 28.02 | 25.85 | 28.04 | 26.32 | 24.53 | Upgrade
|
| Revenue Growth (YoY) | 13.79% | 8.40% | -7.81% | 6.53% | 7.28% | 15.18% | Upgrade
|
| Salaries and Employee Benefits | 11.05 | 11.05 | 11.11 | 11.15 | 9.52 | 8.63 | Upgrade
|
| Occupancy Expenses | 2.41 | 2.41 | 2.57 | 2.76 | 2.9 | 2.69 | Upgrade
|
| Federal Deposit Insurance | 0.3 | 0.3 | 0.8 | 1.11 | 0.27 | 0.18 | Upgrade
|
| Selling, General & Administrative | 4.5 | 4.5 | 4.54 | 5.73 | 5 | 4.34 | Upgrade
|
| Other Non-Interest Expense | 1.25 | 1.01 | 0.98 | 1.06 | 1.76 | 1.22 | Upgrade
|
| Total Non-Interest Expense | 19.51 | 19.27 | 19.98 | 21.82 | 19.45 | 17.06 | Upgrade
|
| EBT Excluding Unusual Items | 9.84 | 8.75 | 5.87 | 6.22 | 6.87 | 7.48 | Upgrade
|
| Pretax Income | 9.84 | 8.75 | 5.87 | 6.22 | 6.87 | 7.48 | Upgrade
|
| Income Tax Expense | 1.71 | 1.48 | 0.94 | 1.4 | 1.16 | 1.29 | Upgrade
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| Net Income | 8.14 | 7.27 | 4.93 | 4.82 | 5.71 | 6.19 | Upgrade
|
| Net Income to Common | 8.14 | 7.27 | 4.93 | 4.82 | 5.71 | 6.19 | Upgrade
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| Net Income Growth | 63.55% | 47.41% | 2.30% | -15.56% | -7.74% | 35.74% | Upgrade
|
| Basic Shares Outstanding | 7 | 8 | 8 | 8 | 8 | 8 | Upgrade
|
| Diluted Shares Outstanding | 7 | 8 | 8 | 8 | 8 | 8 | Upgrade
|
| Shares Change (YoY) | -0.92% | -1.28% | -3.99% | -0.41% | -0.14% | -1.13% | Upgrade
|
| EPS (Basic) | 1.09 | 0.97 | 0.65 | 0.61 | 0.72 | 0.78 | Upgrade
|
| EPS (Diluted) | 1.09 | 0.97 | 0.65 | 0.61 | 0.72 | 0.78 | Upgrade
|
| EPS Growth | 65.25% | 49.51% | 6.97% | -15.46% | -7.63% | 37.20% | Upgrade
|
| Dividend Per Share | 0.360 | 0.270 | 0.531 | - | 0.384 | 0.421 | Upgrade
|
| Dividend Growth | -9.66% | -49.19% | - | - | -8.77% | 14.01% | Upgrade
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| Effective Tax Rate | 17.34% | 16.95% | 15.94% | 22.50% | 16.91% | 17.23% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.