Lake Shore Bancorp, Inc. /MD/
About Lake Shore Bancorp, Inc. /MD/
Lake Shore Bancorp Inc operates as a savings and loan holding company. The bank's business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, in commercial real estate loans, one-to-four family residential mortgage loans, home equity lines of credit, and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its revenues are principally derived from interest earned on loans and investment securities.
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Financial summary
- Net income
- $7.3M
- Total assets
- $727.3M
- Market cap
- $124.5M
- Operating margin
- 16.9%
- Net margin
- 14.2%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $34.8M
- Operating expenses
- $28.9M
- Operating income
- $5.9M
- Income tax
- $935.0K
- Net income
- $4.9M
- EPS (basic)
- $0.88
- EPS (diluted)
- $0.88
Balance sheet
- Total assets
- $685.5M
- Current assets
- $685.5M
- Total liabilities
- $595.6M
- Current liabilities
- $595.6M
- Shareholders’ equity
- $89.9M
Cash flow
- Operating cash flow
- $2.5M
- Investing cash flow
- $21.1M
- Financing cash flow
- -$44.2M
- Net cash flow
- -$20.6M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $124.5M
- P/E ratio
- 18.0
- EPS (diluted)
- $0.88
- Dividend yield
- 2.27%
- Shares outstanding
- 7.9M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Apr 4, 2006
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $7.3M.
- Revenue grew 3864% from FY2020 to FY2024.
- Trading near its 52-week high.
- Pays a dividend yielding about 2.27% annually.
- Valued at a price-to-earnings (P/E) ratio of 18.0.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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News about Lake Shore Bancorp, Inc. /MD/
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