Lake Shore Bancorp, Inc. /MD/
LSBK Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$18.69
KIRA · Stoqly’s AI analyst, in plain words
- Lake Shore Bancorp, Inc. /MD/ had $27.8M of revenue in fiscal 2025, up 14.2% on the year before.
- Lake Shore Bancorp, Inc. /MD/ made $7.3M of net profit in fiscal 2025. From fiscal 2024 to 2025, diluted EPS grew 49.2% a year.
- Lake Shore Bancorp, Inc. /MD/ returned $1.7M to shareholders in fiscal 2025. The diluted share count fell 1.3%.
- It earned 6.3% on shareholders’ money. Running costs took 69.2% of revenue (the efficiency ratio; lower is better).
Market cap
$138M
P/E
16.5x
Revenue
$27.8M
Net income
$7.3M
Return on equity
6.3%
Efficiency ratio
69.2%
Lake Shore Bancorp, Inc. /MD/ in 30 seconds · fiscal 2025
Are sales growing?
+14.2%
Yes. Sales grew 14.2% last year.
Does it make a profit?
26.1%
Yes. It keeps 26.1% of every sale as profit.
How lean are its costs?
69.2%
Costly. Running costs take 69.2% of revenue.
How much does it earn on its capital?
6.3%
Low. It earns 6.3% a year on shareholders’ money.
How is the share priced?
16.5x
One share costs 16.5 times its yearly profit per share.
What Lake Shore Bancorp, Inc. /MD/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 17, 2026
- Legal name
- Lake Shore Bancorp, Inc. /MD/
- CIK
- 0002059653
Lake Shore Bancorp, Inc. /MD/ · LSBK
Results and finances
The last 2 fiscal years. Amounts in USD.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Sales and profit | ||
| Revenue | $24.4M | $27.8M |
| Revenue growth | — | 14.2% |
| Net interest income | $21.1M | $24.6M |
| Net income | $4.9M | $7.3M |
| Net margin | 20.2% | 26.1% |
| Diluted EPS | $0.65 | $0.97 |
| Cash | ||
| Cash from operations | $2.5M | $8.0M |
| Dividends paid | $1.1M | $1.7M |
| Share buybacks | $0.0M | $0.1M |
| Share count change | — | −1.3% |
| Debt and strength | ||
| Cash and short-term investments | $33.1M | $64.3M |
| Debt incl. finance leases | $10.6M | $0.3M |
| Deposits | $573M | $573M |
| Shareholders' equity | $89.9M | $142M |
| Returns and quality | ||
| Return on equity | 5.5% | 6.3% |
| Return on tangible equity | 5.5% | 5.1% |
| Efficiency ratio | 82.0% | 69.2% |
| Piotroski F-score | — | 7 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Lake Shore Bancorp, Inc. /MD/ · LSBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $18.69 a share, the company is worth $138M: 16.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0002059653). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.