Lake Shore Bancorp, Inc. /MD/ financial statements
Income statement, balance sheet and cash flow statement for the last 2 fiscal years, taken from the XBRL data Lake Shore Bancorp, Inc. /MD/ files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2025
FY2025
Selling and marketing
0.09
0.06
Pre-tax income
5.87
8.75
Income tax
0.94
1.48
Net income
4.93
7.27
EPS, basic
0.65
0.97
EPS, diluted
0.65
0.97
Shares, basic (weighted)
7.62
7.51
Shares, diluted (weighted)
7.62
7.52
Dividend per share
0.40
0.31
Balance sheet
FY2025
FY2025
Cash and equivalents
33.1
64.3
Property, plant and equipment
7.22
7.05
Lease right-of-use assets
0.94
0.76
Total assets
686
727
Total liabilities
596
586
Total debt
10.3
0
Paid-in capital
31.2
65.6
Retained earnings
82.8
88.4
Treasury stock
-13.3
0
Other comprehensive income
-9.96
-7.7
Shareholders' equity
89.9
142
Total equity
89.9
142
Total liabilities and equity
686
727
Shares outstanding
7.77
7.84
Cash flow statement
FY2025
FY2025
Net income
4.93
7.27
Deferred income tax
0.13
-0.1
Cash from operations
2.51
8
Sales and maturities of investments
3.2
3.07
Cash from investing
21.1
-8.13
Debt repaid
-25
-10.3
Stock issued
43.2
Share buybacks
-0.02
-0.05
Dividends paid
-1.08
-1.68
Cash from financing
-44.2
31.3
Net change in cash
-20.6
31.1
Interest paid
14.5
11.8
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $17.82 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
17.7%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
5.8%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
1.1%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
47.4%
Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y
49.2%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
218.9%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Dividend per share growth, 1y
-22.5%
Dividend per share vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
57.6%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
6.1%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
-1.3%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Operating cash flow per share
$1.44
Cash from operations / diluted weighted shares.
Book value per share
$18.41
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Dividends paid / net income, when net income is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$140.0M
Share price x shares outstanding.
Enterprise value
$67.7M
Market cap + total debt - cash - short-term investments.
P/E
16.7x
Market cap / net income. Only when net income is positive.
P/B
0.97x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.97x
Market cap / tangible book value, when positive.
P/OCF
13.2x
Market cap / cash from operations, when positive.
Earnings yield
6.0%
Net income / market cap (the inverse of P/E).
Dividend yield
1.9%
Dividends paid over the period / market cap.
Shareholder yield
1.9%
(Dividends paid + share buybacks) / market cap.
Was Lake Shore Bancorp, Inc. /MD/ profitable in fiscal 2025?
Yes. Net income was $7.3M, a net margin of -.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.