Lake Financial Statements From 2010 to 2025

LSBK Stock  USD 14.73  0.15  1.01%   
Analyzing historical trends in various income statement and balance sheet accounts from Lake Shore's financial statements helps investors evaluate the company's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Lake Shore's valuation are summarized below:
Gross Profit
27.8 M
Profit Margin
0.245
Market Capitalization
110 M
Enterprise Value Revenue
4.0799
Revenue
27.8 M
There are currently one hundred twenty fundamental ratios for Lake Shore that can be evaluated and compared over time across peers in the industry. We recommend to check Lake Shore's last-minute fundamental drivers against the all of the trends between 2010 and 2025. Enterprise Value is expected to rise to about 63.5 M this year, although the value of Market Cap will most likely fall to about 56.4 M.

Lake Shore Total Revenue

22.85 Million

Check Lake Shore financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Lake Shore's main balance sheet or income statement drivers, such as Interest Expense of 14.4 M, Total Revenue of 22.8 M or Gross Profit of 17 M, as well as many indicators such as Price To Sales Ratio of 1.93, Dividend Yield of 0.0084 or PTB Ratio of 1.52. Lake financial statements analysis is a perfect complement when working with Lake Shore Valuation or Volatility modules.
  
Build AI portfolio with Lake Stock
Check out the analysis of Lake Shore Correlation against competitors.

Lake Shore Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets528.6 M685.5 M552 M
Slightly volatile
Short and Long Term Debt Total9.7 M10.2 M24.3 M
Pretty Stable
Other Current Liabilities377.9 M573 M389.1 M
Slightly volatile
Total Current Liabilities386.1 M573 M395.4 M
Slightly volatile
Total Stockholder Equity68.2 M89.9 M73.7 M
Slightly volatile
Cash26.6 M33.1 M30.1 M
Slightly volatile
Non Current Assets Total337.8 M593.1 M288.4 M
Slightly volatile
Other Assets181.6 M128.1 M187.7 M
Slightly volatile
Cash And Short Term Investments87.8 M89.6 M117.3 M
Pretty Stable
Common Stock Shares Outstanding6.1 M7.6 M7.1 M
Very volatile
Liabilities And Stockholders Equity528.6 M685.5 M552 M
Slightly volatile
Non Current Liabilities Total26.2 M22.7 M27.5 M
Slightly volatile
Other Stockholder Equity16.1 M17 M18.9 M
Slightly volatile
Total Liabilities437.8 M595.6 M446 M
Slightly volatile
Total Current Assets145.9 M92.4 M199.6 M
Pretty Stable
Short Term Debt30.5 M29.1 M12.3 M
Slightly volatile
Other Liabilities9.2 M12 M9.2 M
Slightly volatile
Retained Earnings53.8 M82.8 M56.8 M
Slightly volatile
Accounts Payable1.091.15282.5 M
Slightly volatile
Long Term Debt18.7 M10.2 M21.1 M
Slightly volatile
Short Term Investments100.1 M56.5 M95.2 M
Slightly volatile
Property Plant Equipment9.4 M10.6 M9.2 M
Slightly volatile
Property Plant And Equipment Net9.3 M7.2 M8.8 M
Very volatile
Net Receivables2.1 M2.8 M2.1 M
Slightly volatile
Property Plant And Equipment Gross12.2 M22.1 M12.4 M
Slightly volatile
Common Stock Total Equity73.5 K78.2 K68.4 K
Slightly volatile
Common Stock73.8 K78.2 K68.4 K
Slightly volatile
Net Tangible Assets83.8 M93.4 M77.3 M
Slightly volatile
Retained Earnings Total Equity57.6 M75.3 M55.8 M
Slightly volatile
Capital Surpluse32.6 M35.9 M30.4 M
Slightly volatile
Long Term Investments53.7 M56.5 M176.1 M
Slightly volatile
Non Current Liabilities Other10.1 M9.2 M12.1 M
Slightly volatile
Long Term Debt Total26.6 M39.8 M26.6 M
Slightly volatile
Earning Assets94 M86.1 M116.1 M
Slightly volatile
Current Deferred Revenue3.5 M3.8 M3.2 M
Slightly volatile
Net Invested Capital78.7 M100.1 M100.2 M
Slightly volatile
Capital Stock54.4 K61.2 K66.7 K
Slightly volatile

Lake Shore Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense14.4 M13.7 M5.5 M
Slightly volatile
Total Revenue22.8 M38.1 M24 M
Slightly volatile
Gross Profit17 M25.8 M19.2 M
Slightly volatile
Other Operating Expenses19.3 M32.2 M19.6 M
Slightly volatile
Operating Income4.6 M5.9 MM
Slightly volatile
EBIT4.6 M5.9 MM
Slightly volatile
EBITDA5.3 M6.6 M5.7 M
Slightly volatile
Cost Of Revenue12.9 M12.3 M5.7 M
Slightly volatile
Total Operating Expenses13.4 M20 M14.8 M
Slightly volatile
Income Before Tax4.6 M5.9 MM
Slightly volatile
Net Income3.6 M4.9 MM
Slightly volatile
Income Tax Expense959.4 K935 K963.3 K
Pretty Stable
Selling General AdministrativeM12.2 M8.2 M
Slightly volatile
Net Income Applicable To Common Shares3.6 M6.6 M4.1 M
Slightly volatile
Depreciation And Amortization791.1 K739 K775.4 K
Slightly volatile
Selling And Marketing Expenses89.3 K94 K469.6 K
Very volatile
Net Income From Continuing Ops4.6 M4.9 M4.2 M
Slightly volatile
Tax ProvisionM935 K862.6 K
Slightly volatile
Net Interest Income21.6 M21.1 M18.3 M
Slightly volatile
Interest Income26.8 M34.8 M22.4 M
Slightly volatile
Reconciled Depreciation654.6 K739 K822.8 K
Slightly volatile

Lake Shore Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Net Income3.7 M4.9 MM
Slightly volatile
End Period Cash Flow31.9 M33.1 M33.4 M
Slightly volatile
Stock Based Compensation313.1 K345 K304.8 K
Slightly volatile
Free Cash Flow4.7 M2.5 MM
Pretty Stable
Begin Period Cash Flow31.7 M53.7 M33.4 M
Slightly volatile
Depreciation791.1 K739 K775.4 K
Slightly volatile
Total Cash From Operating Activities2.4 M2.5 M5.4 M
Very volatile
Dividends Paid818.7 K1.1 M820.9 K
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.932.02893.4004
Slightly volatile
Dividend Yield0.00840.01260.0108
Slightly volatile
PTB Ratio1.520.86041.1815
Slightly volatile
Days Sales Outstanding34.2227.000532.765
Slightly volatile
Book Value Per Share6.1611.79759.1129
Slightly volatile
Free Cash Flow Yield0.04790.03240.0647
Very volatile
Operating Cash Flow Per Share0.50.32920.6928
Very volatile
Stock Based Compensation To Revenue0.01470.00910.0132
Very volatile
Capex To Depreciation0.150.15430.8325
Slightly volatile
PB Ratio1.520.86041.1815
Slightly volatile
EV To Sales1.361.42853.3349
Slightly volatile
Free Cash Flow Per Share0.420.32920.6103
Pretty Stable
ROIC0.02620.04380.0371
Pretty Stable
Net Income Per Share0.330.64730.4978
Slightly volatile
Sales General And Administrative To Revenue0.260.32140.342
Slightly volatile
Capex To Revenue0.00280.0030.0315
Slightly volatile
Cash Per Share8.0311.765714.6224
Slightly volatile
POCF Ratio17.5530.828715.38
Pretty Stable
Interest Coverage0.80.42691.2998
Pretty Stable
Payout Ratio0.170.20.203
Slightly volatile
Capex To Operating Cash Flow0.04320.04550.1156
Slightly volatile
PFCF Ratio21.7330.828717.6074
Pretty Stable
Income Quality0.480.50861.3637
Slightly volatile
ROE0.06160.05490.0568
Very volatile
EV To Operating Cash Flow21.421.705516.0698
Pretty Stable
PE Ratio27.115.680120.9808
Slightly volatile
Return On Tangible Assets0.00540.00720.0073
Slightly volatile
EV To Free Cash Flow27.3821.705518.6922
Pretty Stable
Earnings Yield0.0370.06380.0521
Slightly volatile
Intangibles To Total Assets3.0E-43.0E-43.0E-4
Slightly volatile
Current Ratio0.150.16130.269
Slightly volatile
Tangible Book Value Per Share6.1511.77429.1093
Slightly volatile
Receivables Turnover13.3113.518311.6802
Slightly volatile
Graham Number6.6813.108310.0599
Slightly volatile
Shareholders Equity Per Share6.1511.79759.1095
Slightly volatile
Debt To Equity0.110.11410.3035
Very volatile
Capex Per Share0.01420.0150.0793
Slightly volatile
Revenue Per Share5.255.00263.2204
Slightly volatile
Interest Debt Per Share4.793.14943.7228
Slightly volatile
Debt To Assets0.01420.0150.0408
Pretty Stable
Enterprise Value Over EBITDA7.838.241813.8344
Slightly volatile
Short Term Coverage Ratios0.210.220.7559
Very volatile
Price Earnings Ratio27.115.680120.9808
Slightly volatile
Operating Cycle34.2227.000532.765
Slightly volatile
Price Book Value Ratio1.520.86041.1815
Slightly volatile
Dividend Payout Ratio0.170.20.203
Slightly volatile
Price To Operating Cash Flows Ratio17.5530.828715.38
Pretty Stable
Price To Free Cash Flows Ratio21.7330.828717.6074
Pretty Stable
Pretax Profit Margin0.240.15390.214
Slightly volatile
Ebt Per Ebit0.80.90.9822
Slightly volatile
Operating Profit Margin0.240.15390.2139
Slightly volatile
Effective Tax Rate0.240.15940.1986
Slightly volatile
Company Equity Multiplier9.027.62797.6469
Pretty Stable
Long Term Debt To Capitalization0.09730.10240.2197
Slightly volatile
Total Debt To Capitalization0.09730.10240.2249
Very volatile
Return On Capital Employed0.05010.05210.0502
Pretty Stable
Debt Equity Ratio0.110.11410.3035
Very volatile
Ebit Per Revenue0.240.15390.2139
Slightly volatile
Quick Ratio0.150.16130.269
Slightly volatile
Dividend Paid And Capex Coverage Ratio3.722.0974.6422
Pretty Stable
Net Income Per E B T0.620.84060.7926
Pretty Stable
Cash Ratio0.04240.05780.0533
Pretty Stable
Cash Conversion Cycle34.2227.000532.765
Slightly volatile
Operating Cash Flow Sales Ratio0.06250.06580.2402
Slightly volatile
Days Of Sales Outstanding34.2227.000532.765
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.660.840.8587
Very volatile
Cash Flow Coverage Ratios0.140.24470.216
Pretty Stable
Price To Book Ratio1.520.86041.1815
Slightly volatile
Fixed Asset Turnover5.545.27962.9949
Slightly volatile
Capital Expenditure Coverage Ratio7.9414.2811.0488
Pretty Stable
Price Cash Flow Ratio17.5530.828715.38
Pretty Stable
Enterprise Value Multiple7.838.241813.8344
Slightly volatile
Debt Ratio0.01420.0150.0408
Pretty Stable
Cash Flow To Debt Ratio0.140.24470.216
Pretty Stable
Price Sales Ratio1.932.02893.4004
Slightly volatile
Return On Assets0.00540.00720.0073
Slightly volatile
Asset Turnover0.03530.05560.0436
Very volatile
Net Profit Margin0.190.12940.1705
Pretty Stable
Gross Profit Margin0.530.67820.7508
Pretty Stable
Price Fair Value1.520.86041.1815
Slightly volatile
Return On Equity0.06160.05490.0568
Very volatile

Lake Shore Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap56.4 M77.3 M75.1 M
Very volatile
Enterprise Value63.5 M54.4 M78.4 M
Very volatile

Lake Fundamental Market Drivers

Lake Upcoming Events

30th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Lake Shore Financial Statements

Lake Shore investors utilize fundamental indicators, such as revenue or net income, to predict how Lake Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue3.8 M3.5 M
Total Revenue38.1 M22.8 M
Cost Of Revenue12.3 M12.9 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.32  0.26 
Revenue Per Share 5.00  5.25 
Ebit Per Revenue 0.15  0.24 

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

The Portfolio Prophet is an AI-driven system that provides multiple benefits to our users by leveraging cutting-edge machine learning algorithms, statistical analysis, and predictive modeling to automate the process of asset selection and portfolio construction, saving time and reducing human error for individual and institutional investors.

Try AI Portfolio Prophet
When determining whether Lake Shore Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Lake Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Lake Shore Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Lake Shore Bancorp Stock:
Check out the analysis of Lake Shore Correlation against competitors.
You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Lake Shore. If investors know Lake will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Lake Shore listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.355
Dividend Share
0.27
Earnings Share
0.96
Revenue Per Share
4.878
Quarterly Revenue Growth
0.201
The market value of Lake Shore Bancorp is measured differently than its book value, which is the value of Lake that is recorded on the company's balance sheet. Investors also form their own opinion of Lake Shore's value that differs from its market value or its book value, called intrinsic value, which is Lake Shore's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Lake Shore's market value can be influenced by many factors that don't directly affect Lake Shore's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Lake Shore's value and its price as these two are different measures arrived at by different means. Investors typically determine if Lake Shore is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Lake Shore's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.