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Last update at 2026-06-05T15:09:00Z
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Lake Shore Bancorp, Inc. Announces First Quarter 2025 Financial Results
Tue 29 Apr 25, 09:27 PMLake Shore Bancorp, Inc. Declares Fourth Quarter 2024 Dividend
Mon 27 Jan 25, 09:00 PMLake Shore Bancorp, Inc. Announces Fourth Quarter 2024 and Year End Financial Results
Fri 24 Jan 25, 09:00 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 6.87M | 7.47M | 5.38M | 4.74M | 4.58M |
| Minority interest | - | - | - | - | 0.00000M |
| Net income | 5.71M | 6.19M | 4.56M | 4.09M | 4.00M |
| Selling general administrative | 10.13M | 10.84M | 10.51M | 10.45M | 10.10M |
| Selling and marketing expenses | 0.71M | 0.60M | 0.67M | 0.71M | 0.61M |
| Gross profit | 27.04M | 25.18M | 22.92M | 21.56M | 20.41M |
| Reconciled depreciation | 0.86M | 0.86M | 0.84M | 0.81M | 0.77M |
| Ebit | 8.43M | 7.47M | 5.38M | 4.74M | 8.19M |
| Ebitda | 9.29M | 8.34M | 6.22M | 5.55M | 8.96M |
| Depreciation and amortization | 0.86M | 0.86M | 0.84M | 0.81M | 0.77M |
| Non operating income net other | - | - | - | - | 0.00000M |
| Operating income | 8.43M | 7.47M | 5.38M | 4.74M | 8.19M |
| Other operating expenses | -18.61400M | -17.70700M | -17.54200M | -16.82000M | 12.22M |
| Interest expense | 2.42M | 2.67M | 4.40M | 5.20M | 3.60M |
| Tax provision | 1.16M | 1.29M | 0.82M | 0.66M | 0.58M |
| Interest income | 26.75M | 24.66M | 24.34M | 24.27M | 21.54M |
| Net interest income | 24.34M | 21.99M | 19.93M | 19.07M | 17.93M |
| Extraordinary items | - | - | - | - | 0.00000M |
| Non recurring | - | - | - | - | 0.00000M |
| Other items | - | - | - | - | 0.00000M |
| Income tax expense | 1.16M | 1.29M | 0.82M | 0.66M | 0.58M |
| Total revenue | 27.04M | 25.18M | 22.92M | 21.56M | 20.41M |
| Total operating expenses | -18.61400M | -17.70700M | -17.54200M | -16.82000M | -12.22100M |
| Cost of revenue | - | - | - | - | 0.00000M |
| Total other income expense net | -1.55900M | -2.66500M | -4.40400M | -5.19700M | -3.60200M |
| Discontinued operations | - | - | - | - | 0.00000M |
| Net income from continuing ops | 5.71M | 6.19M | 4.56M | 4.09M | 4.00M |
| Net income applicable to common shares | 5.71M | 6.19M | 4.56M | 4.09M | 4.00M |
| Preferred stock and other adjustments | - | - | - | - | 0.00000M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 725.12M | 699.91M | 714.09M | 686.20M | 610.87M |
| Intangible assets | - | - | - | - | - |
| Earning assets | - | - | - | - | 95.66M |
| Other current assets | 56.60M | - | -30.43200M | -82.27200M | -73.35400M |
| Total liab | 638.85M | 618.73M | 21.95M | 29.75M | 34.65M |
| Total stockholder equity | 86.27M | 81.18M | 87.98M | 85.92M | 82.84M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 456.03M | -12.59600M | - | 29.75M | 493.38M |
| Common stock | 0.07M | 0.07M | 0.07M | 0.07M | 0.07M |
| Capital stock | 0.07M | 0.07M | 0.07M | 0.07M | 0.07M |
| Retained earnings | 78.96M | 74.86M | 70.59M | 65.49M | 61.95M |
| Other liab | - | - | 10.44M | 10.27M | 8.23M |
| Good will | - | - | - | - | - |
| Other assets | - | 533.11M | 457.29M | 472.69M | 426.61M |
| Cash | 53.73M | 9.63M | 67.97M | 42.98M | 30.29M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 484.63M | 12.60M | 593.72M | 29.75M | 493.38M |
| Current deferred revenue | 3.31M | - | - | - | - |
| Net debt | -17.76300M | 27.91M | -46.01500M | -13.22500M | 4.36M |
| Short term debt | 25.29M | 12.60M | - | 29.75M | 34.65M |
| Short long term debt | 0.00000M | 12.60M | - | - | - |
| Short long term debt total | 35.97M | 37.55M | 21.95M | 29.75M | 34.65M |
| Other stockholder equity | 17.70M | 16.59M | 16.34M | 18.22M | 19.49M |
| Property plant equipment | - | - | 9.25M | 9.62M | 9.41M |
| Total current assets | 56.60M | 85.47M | 159.25M | 125.25M | 103.64M |
| Long term investments | 60.44M | 73.05M | 88.82M | 79.28M | 470.82M |
| Net tangible assets | - | 81.18M | 87.98M | 85.92M | 82.84M |
| Short term investments | 60.44M | 73.04M | 88.80M | 79.28M | 71.20M |
| Net receivables | 2.83M | 2.80M | 2.48M | 2.99M | 2.15M |
| Long term debt | 35.25M | 24.95M | 21.95M | 29.75M | 34.65M |
| Inventory | -504.93300M | - | 514.72M | 0.06M | 0.78M |
| Accounts payable | 0.00000M | 570.12M | 593.72M | 560.26M | 483.48M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -10.44700M | -10.33200M | 0.98M | 2.15M | 1.33M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 0.07M | 0.07M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | 65.49M | 61.95M |
| Treasury stock | - | - | - | -11.58400M | -10.18400M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 37.96M | -81.33300M | -97.55200M | -88.25900M | -80.61600M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 668.52M | 81.33M | 97.55M | 88.26M | 80.62M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | 34.65M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | 7.70M | -57.20400M | -5.74200M | -62.13700M | -64.00100M |
| Change to liabilities | - | 0.00000M | 0.00000M | 0.41M | 0.20M |
| Total cashflows from investing activities | - | - | -5.74200M | -62.13700M | -64.73000M |
| Net borrowings | - | - | -7.80000M | -4.90000M | 10.00M |
| Total cash from financing activities | 18.37M | -8.88400M | 21.80M | 69.22M | 58.43M |
| Change to operating activities | - | - | -0.67100M | -1.09800M | -0.78300M |
| Net income | 4.82M | 5.71M | 6.19M | 4.56M | 4.09M |
| Change in cash | 44.10M | -57.95200M | 24.61M | 12.69M | -0.46200M |
| Begin period cash flow | 9.63M | 67.58M | 42.98M | 30.29M | 30.75M |
| End period cash flow | 53.73M | 9.63M | 67.58M | 42.98M | 30.29M |
| Total cash from operating activities | 6.21M | 8.14M | 8.55M | 5.60M | 5.84M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 0.81M | 0.86M | 0.86M | 0.84M | 0.81M |
| Other cashflows from investing activities | - | - | 0.47M | 0.83M | 0.08M |
| Dividends paid | 0.46M | 1.44M | 1.08M | 1.02M | 1.27M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -0.03900M | -0.31300M | 0.50M | -0.83400M | -0.24000M |
| Sale purchase of stock | -0.05800M | -0.08500M | -2.25500M | -1.59300M | -1.41900M |
| Other cashflows from financing activities | 20.80M | -5.35900M | 0.01M | -0.05000M | 0.10M |
| Change to netincome | - | - | 1.16M | 1.57M | 0.87M |
| Capital expenditures | 12.99M | 0.41M | 0.63M | 0.40M | 0.81M |
| Change receivables | - | - | - | -0.83400M | -0.24000M |
| Cash flows other operating | - | - | - | -1.09300M | -0.53400M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | 12.69M | -0.46200M |
| Change in working capital | 1.55M | 0.53M | -0.16700M | -1.93200M | -1.02300M |
| Stock based compensation | 0.10M | 0.34M | 0.37M | 0.32M | 0.44M |
| Other non cash items | -1.09200M | 0.89M | 1.07M | 2.31M | 1.56M |
| Free cash flow | -6.78200M | 7.73M | 7.92M | 5.20M | 5.03M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | |
|---|---|---|---|---|---|---|---|
| LSBK Lake Shore Bancorp Inc |
0.09 0.57% | 15.77 | 18.27 | - | 2.17 | 0.69 | |
| HDB HDFC Bank Limited ADR |
-0.405 1.69% | 23.62 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.12 0.39% | 30.56 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
0.38 0.76% | 50.48 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, online banking, direct deposit, safe deposit boxes, overdraft protection, wire, e-services, and notary services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
31 East Fourth Street, Dunkirk, NY, United States, 14048
| Name | Title | Year Born |
|---|---|---|
| Mr. Daniel P. Reininga | Pres, CEO & Director | 1959 |
| Ms. Rachel A. Foley | CFO & Treasurer | 1969 |
| Mr. Jeffrey M. Werdein | Exec. VP of Commercial Division | 1967 |
| Ms. Jennifer L. Zatkos CFE | Chief Operating Officer | 1980 |
| Mr. Steven Schiavone | Controller & Principal Accounting Officer | 1979 |
| Mr. Robert V. Cortellucci | Chief Technology Officer | NA |
| Ms. Nicole May | Compliance & CRA Officer | NA |
| Ms. Susan C. Ballard | Exec. VP of Retail, Sales & Marketing | 1964 |
| Ms. Brenda Mikolajczak | Assistant VP and Marketing & Sales Director | NA |
| Ms. Tamara Bellanti | Sr. VP of HR | NA |
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