Valuation, from the filing
| Public float | $27.82M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-06-30 |
|---|---|---|
| Float per share | $3.55 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 3.8× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.2× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-06-30, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.
How this compares in its industry
Percentile among the Savings Institution, Federally Chartered filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Effective tax rate | 16.9% | 22th |
Lake Shore Bancorp, Inc. /MD/ (LSBK) reported net income of $7.27M for the fiscal year ended 2025-12-31. This page shows 2 annual periods of income statement, balance sheet and cash flow figures normalized from Lake Shore Bancorp, Inc. /MD/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institution, Federally Chartered.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Revenue | Unavailable | Unavailable |
| Cost of revenue | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable |
| Net income | $7.27M | $4.93M |
| Research & development | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 7.52M | shares 7.62M |
| Pretax income | $8.75M | $5.87M |
| Income tax expense | $1.48M | $935.00K |
| Diluted EPS | $0.97 | $0.65 |
| Selling, general & administrative | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Cash & equivalents | $64.28M | $33.13M |
| Total assets | $727.32M | $685.50M |
| Current assets | Unavailable | Unavailable |
| Total liabilities | $585.68M | $595.64M |
| Current liabilities | Unavailable | Unavailable |
| Total equity incl. NCI | $141.64M | $89.87M |
| Temporary (mezzanine) equity | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable |
| Goodwill | Unavailable | Unavailable |
| Long-term debt | $0 | $10.25M |
| Accounts payable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Operating cash flow | $8.00M | $2.51M |
| Capital expenditures | Unavailable | Unavailable |
| Investing cash flow | -$8.13M | $21.12M |
| Financing cash flow | $31.28M | -$44.22M |
| Net change in cash | Unavailable | Unavailable |
| Stock-based compensation | Unavailable | Unavailable |
| Common dividends paid | $1.68M | $1.08M |
| Common share repurchases | $53.00K | $20.00K |
| Depreciation & amortization | Unavailable | Unavailable |
Derived
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Free cash flow | Unavailable | Unavailable |
| Gross margin | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable |
| SBC / revenue | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable |
| Revenue YoY growth | Unavailable | Unavailable |
| Net margin | Unavailable | Unavailable |
| R&D / revenue | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable |
| Effective tax rate | 16.9% | 15.9% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open LSBK in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.