Lake Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Lake Shore Bancorp
LSBK Stock  USD 14.70  0.01  0.07%   
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
4.0609
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 2026. 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 13 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 4.51, 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

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets528.6 M788.3 M565.9 M
Slightly volatile
Short and Long Term Debt Total8.8 M9.2 M23.3 M
Very volatile
Other Current Liabilities377.9 M658.9 M404.9 M
Slightly volatile
Total Current Liabilities386.1 M658.9 M410.9 M
Slightly volatile
Total Stockholder Equity68.2 M103.3 M75.5 M
Slightly volatile
Cash26.6 M38.1 M30.5 M
Slightly volatile
Non Current Assets Total716.1 M682 M333.8 M
Slightly volatile
Other Assets181.6 M147.4 M185.3 M
Slightly volatile
Cash And Short Term Investments87.8 M103.1 M116.5 M
Pretty Stable
Common Stock Shares Outstanding6.1 M6.9 M7.1 M
Very volatile
Liabilities And Stockholders Equity528.6 M788.3 M565.9 M
Slightly volatile
Non Current Liabilities Total26.2 M20.4 M27.1 M
Slightly volatile
Other Stockholder Equity16.1 M15.3 M18.7 M
Slightly volatile
Total Liabilities437.8 M685 M460.1 M
Slightly volatile
Total Current Assets145.9 M106.3 M194.1 M
Slightly volatile
Short Term Debt30.5 M29.1 M13.1 M
Slightly volatile
Other Liabilities9.2 M12 M9.3 M
Slightly volatile
Retained Earnings53.8 M95.2 M59.1 M
Slightly volatile
Accounts Payable1.091.15265.9 M
Slightly volatile
Long Term Debt8.8 M9.2 M19.8 M
Very volatile
Short Term Investments100.1 M65 M93.5 M
Slightly volatile
Property Plant Equipment9.4 M10.6 M9.2 M
Slightly volatile
Property Plant And Equipment Net9.3 M8.3 M8.8 M
Pretty Stable
Net Receivables2.1 M3.2 M2.2 M
Slightly volatile
Property Plant And Equipment Gross26.6 M25.4 M14 M
Slightly volatile
Common Stock Total Equity73.5 K78.2 K68.3 K
Slightly volatile
Common Stock73.8 K78.2 K68.4 K
Slightly volatile
Net Tangible Assets83.8 M93.4 M77.5 M
Slightly volatile
Retained Earnings Total Equity57.6 M75.3 M56.3 M
Slightly volatile
Capital Surpluse32.6 M35.9 M30.5 M
Slightly volatile
Long Term Investments48.3 M50.8 M168.4 M
Slightly volatile
Non Current Liabilities Other10.1 M9.2 M12 M
Slightly volatile
Long Term Debt Total26.6 M39.8 M27.1 M
Slightly volatile
Earning Assets94 M86.1 M114.9 M
Slightly volatile
Current Deferred Revenue3.5 M3.8 M3.3 M
Slightly volatile
Net Invested Capital78.7 M90.1 M99.6 M
Slightly volatile
Capital Stock54.4 K61.2 K66.8 K
Slightly volatile

Lake Shore Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense13 M12.4 M5.8 M
Slightly volatile
Total Revenue22.8 M43.8 M25.2 M
Slightly volatile
Gross Profit17 M29.7 M19.8 M
Slightly volatile
Other Operating Expenses19.3 M37.1 M20.6 M
Slightly volatile
Operating Income4.6 M6.7 M5.1 M
Slightly volatile
EBIT4.6 M6.7 M5.1 M
Slightly volatile
EBITDA5.3 M7.6 M5.8 M
Slightly volatile
Cost Of Revenue11.6 M11 M6 M
Slightly volatile
Total Operating Expenses13.4 M23 M15.3 M
Slightly volatile
Income Before Tax4.6 M6.7 M5.1 M
Slightly volatile
Net Income3.6 M5.7 M4.1 M
Slightly volatile
Income Tax Expense959.4 K1.1 M969.9 K
Pretty Stable
Selling General Administrative8 M14.1 M8.6 M
Slightly volatile
Net Income Applicable To Common Shares3.6 M6.6 M4.2 M
Slightly volatile
Depreciation And Amortization791.1 K849.9 K779.8 K
Slightly volatile
Selling And Marketing Expenses102.7 K108.1 K449.2 K
Pretty Stable
Net Income From Continuing Ops4.6 M5.7 M4.3 M
Slightly volatile
Tax Provision1 M1.1 M875.1 K
Slightly volatile
Net Interest Income21.6 M24.2 M18.6 M
Slightly volatile
Interest Income26.8 M40 M23.4 M
Slightly volatile
Reconciled Depreciation654.6 K665.1 K813.5 K
Slightly volatile

Lake Shore Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Income3.7 M5.7 M4.1 M
Slightly volatile
End Period Cash Flow31.9 M38.1 M33.6 M
Slightly volatile
Stock Based Compensation313.1 K396.8 K310.2 K
Slightly volatile
Free Cash Flow4.7 M2.9 M4.8 M
Pretty Stable
Begin Period Cash Flow31.7 M61.8 M35.1 M
Slightly volatile
Depreciation791.1 K849.9 K779.8 K
Slightly volatile
Total Cash From Operating Activities5.5 M2.9 M5.5 M
Very volatile
Dividends Paid818.7 K1.2 M845.8 K
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio4.512.333.4892
Slightly volatile
Dividend Yield0.00840.01260.011
Slightly volatile
PTB Ratio1.520.991.1702
Slightly volatile
Days Sales Outstanding34.2231.0532.6641
Slightly volatile
Book Value Per Share6.1610.629.2015
Slightly volatile
Free Cash Flow Yield0.04790.02920.0626
Pretty Stable
Operating Cash Flow Per Share0.50.30.6697
Pretty Stable
Stock Based Compensation To Revenue0.01470.01040.0131
Very volatile
Capex To Depreciation0.170.180.7953
Slightly volatile
PB Ratio1.520.991.1702
Slightly volatile
EV To Sales1.561.643.247
Slightly volatile
Free Cash Flow Per Share0.420.30.5921
Very volatile
ROIC0.02620.03940.0373
Pretty Stable
Net Income Per Share0.330.580.5026
Slightly volatile
Sales General And Administrative To Revenue0.260.290.339
Slightly volatile
Capex To Revenue0.00330.00340.0299
Slightly volatile
Cash Per Share8.0310.5914.3852
Slightly volatile
POCF Ratio37.2335.4517.7183
Slightly volatile
Interest Coverage0.360.381.2198
Very volatile
Payout Ratio0.170.20.204
Slightly volatile
Capex To Operating Cash Flow0.04970.05230.1123
Slightly volatile
PFCF Ratio21.7335.4518.657
Slightly volatile
Income Quality0.560.581.3223
Slightly volatile
ROE0.06160.06310.0571
Very volatile
EV To Operating Cash Flow21.424.9616.5928
Very volatile
PE Ratio27.118.0320.8072
Slightly volatile
Return On Tangible Assets0.00540.00650.0072
Slightly volatile
EV To Free Cash Flow27.3824.9619.0609
Pretty Stable
Earnings Yield0.0370.05740.0524
Slightly volatile
Intangibles To Total Assets3.0E-43.0E-43.0E-4
Slightly volatile
Current Ratio0.150.16130.262
Slightly volatile
Tangible Book Value Per Share6.1510.69.197
Slightly volatile
Receivables Turnover13.3115.5511.9079
Slightly volatile
Graham Number6.6811.810.1622
Slightly volatile
Shareholders Equity Per Share6.1510.629.1984
Slightly volatile
Debt To Equity0.120.130.2939
Pretty Stable
Capex Per Share0.01630.01720.0758
Slightly volatile
Revenue Per Share4.734.53.2651
Slightly volatile
Interest Debt Per Share4.793.623.7168
Slightly volatile
Debt To Assets0.01630.01720.0396
Slightly volatile
Enterprise Value Over EBITDA9.09.4813.6471
Slightly volatile
Short Term Coverage Ratios0.210.220.7259
Very volatile
Price Earnings Ratio27.118.0320.8072
Slightly volatile
Operating Cycle34.2231.0532.6641
Slightly volatile
Price Book Value Ratio1.520.991.1702
Slightly volatile
Dividend Payout Ratio0.170.20.204
Slightly volatile
Price To Operating Cash Flows Ratio37.2335.4517.7183
Slightly volatile
Price To Free Cash Flows Ratio21.7335.4518.657
Slightly volatile
Pretax Profit Margin0.240.180.212
Slightly volatile
Ebt Per Ebit0.80.90.9833
Slightly volatile
Operating Profit Margin0.240.180.212
Slightly volatile
Effective Tax Rate0.240.180.1975
Slightly volatile
Company Equity Multiplier9.028.777.713
Slightly volatile
Long Term Debt To Capitalization0.110.120.2146
Slightly volatile
Total Debt To Capitalization0.110.120.2195
Pretty Stable
Return On Capital Employed0.05010.05990.0508
Pretty Stable
Debt Equity Ratio0.120.130.2939
Pretty Stable
Ebit Per Revenue0.240.180.212
Slightly volatile
Quick Ratio0.150.16130.262
Slightly volatile
Dividend Paid And Capex Coverage Ratio3.721.894.4803
Very volatile
Net Income Per E B T0.620.760.7907
Very volatile
Cash Ratio0.04240.0520.0532
Pretty Stable
Cash Conversion Cycle34.2231.0532.6641
Slightly volatile
Operating Cash Flow Sales Ratio0.07190.07570.2311
Slightly volatile
Days Of Sales Outstanding34.2231.0532.6641
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.660.840.8633
Very volatile
Cash Flow Coverage Ratios0.140.220.2162
Very volatile
Price To Book Ratio1.520.991.1702
Slightly volatile
Fixed Asset Turnover4.994.753.0658
Slightly volatile
Capital Expenditure Coverage Ratio7.9414.2811.3324
Pretty Stable
Price Cash Flow Ratio37.2335.4517.7183
Slightly volatile
Enterprise Value Multiple9.09.4813.6471
Slightly volatile
Debt Ratio0.01630.01720.0396
Slightly volatile
Cash Flow To Debt Ratio0.140.220.2162
Very volatile
Price Sales Ratio4.512.333.4892
Slightly volatile
Return On Assets0.00540.00650.0072
Slightly volatile
Asset Turnover0.03530.050.044
Pretty Stable
Net Profit Margin0.190.150.1693
Pretty Stable
Gross Profit Margin0.530.610.7425
Very volatile
Price Fair Value1.520.991.1702
Slightly volatile
Return On Equity0.06160.06310.0571
Very volatile

Lake Shore Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap56.4 M69.6 M74.7 M
Very volatile
Enterprise Value63.5 M49 M76.7 M
Pretty Stable

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 Revenue43.8 M22.8 M
Cost Of Revenue11 M11.6 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.29  0.26 
Revenue Per Share 4.50  4.73 
Ebit Per Revenue 0.18  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:
How To Invest In Lake
Details
Is Lake Stock a good investment?
Details
What is Lake Shore's Net Worth?
Details
Largest Regional Banks Companies
View
Largest Banks - Regional Companies
View
Check out the analysis of Lake Shore Correlation against competitors.
You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
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.
Altman
Z Score
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Technical
Analysis
Details
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.
Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions
 
Feedback Blog
Made with optimal in San Francisco
2026 Macroaxis LLC
COMMON DESTINATIONS
MAIN CATEGORIES
COMPANY