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Lake Shore Bancorp, Inc. /MD/

Data quality: 83%
LSBK
NASDAQ Financial Services Depository Institutions
$15.69
▼ $0.01 (-0.06%)
Mkt Cap: 122.40 M
Price
$15.62
Mkt Cap
122.40 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Debt/Equity of 0.01 — conservative balance sheet
Generating 8.00 M in free cash flow
Cash machine — converts 110.03% of earnings into free cash flow
19 consecutive years of dividends — reliable payer

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)N/A
FCF Growth (3Y)N/A

Quality

Return on Equity
6.26%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.01
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
16.84
Above sector avg (11.14)
P/B Ratio0.88
EV/EBITDAN/A
Dividend Yield1.73%

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2607 peers)
Metric Stock Sector Median
P/E 16.8 11.1
P/B 0.9 1.2
ROE % 6.3 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 0.0 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

Earnings Surprises

Last 3 quarters
Quarter Est. EPS Actual EPS Surprise
Q42010 N/A $0.12 —
Q32010 N/A $0.10 —
Q22010 N/A $0.08 —

ETFs Holding This Stock

BRSIX BRSIX
0.12% weight

Dividend History

19 yr streak

Yield

1.73%

Payout Ratio

27.84%

Growth (3Y)

-7.77%

Growth (5Y)

-2.46%

Ex-Date Payment Date Amount Yield
Feb 02, 2026 — $0.09 N/A
Nov 03, 2025 — $0.09 N/A
Aug 04, 2025 — $0.09 N/A
Feb 10, 2025 — $0.13 N/A
Nov 04, 2024 — $0.13 N/A
Aug 12, 2024 — $0.13 N/A
May 03, 2024 — $0.13 N/A
Nov 03, 2022 — $0.13 N/A
Aug 01, 2022 — $0.13 N/A
May 06, 2022 — $0.12 N/A
Feb 23, 2022 — $0.12 N/A
Nov 08, 2021 — $0.10 N/A
Aug 05, 2021 — $0.10 N/A
May 07, 2021 — $0.10 N/A
Feb 25, 2021 — $0.10 N/A
Nov 04, 2020 — $0.10 N/A
Aug 05, 2020 — $0.09 N/A
May 06, 2020 — $0.09 N/A
Feb 21, 2020 — $0.09 N/A
Nov 06, 2019 — $0.09 N/A

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) N/A Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) N/A Net Income (TTM) 7.27 M
ROE 6.26% ROA 0.98%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 8.00 M
ROIC N/A FCF Growth (3Y) N/A
Safety
Debt / Equity 0.01 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 139.31 M
Dividends
Dividend Yield 1.73% Payout Ratio 27.84%
Dividend Growth (3Y) -7.77% Dividend Growth (5Y) -2.46%
Consecutive Div Years 19 yrs
Valuation
P/E Ratio 16.84 Forward P/E N/A
P/B Ratio 0.88 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 6.53%
Market Cap 122.40 M Enterprise Value 40.76 M
Per Share
EPS (Diluted TTM) 0.97 Revenue / Share N/A
FCF / Share 1.02 OCF / Share 1.02
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 110.03%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025
Revenue —
Net Income 7.27 M
EPS (Diluted) 0.97
Gross Profit —
Operating Income —
EBITDA —
R&D Expenses —
SG&A Expenses —
D&A —
Interest Expense 24.57 M
Income Tax 1.48 M

Balance Sheet

Annual, most recent first
Metric FY2025
Total Assets 727.32 M
Total Liabilities 585.68 M
Shareholders' Equity 141.64 M
Total Debt 0.0
Cash & Equivalents 64.28 M
Current Assets —
Current Liabilities —