LSBK
Lake Shore Bancorp, Inc.15.01
-0.16-1.05%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
116.15MP/E (TTM)
13.40Basic EPS (TTM)
1.12Dividend Yield
0.02%Recent Filings
10-Q
8-K
Q3 net income surges 77%
Lake Shore Bancorp reported Q3 2025 net income of $2.4 million, up 77.1% from $1.3 million in Q3 2024, fueled by net interest income rising 18.1% to $6.4 million and non-interest income jumping 34.6%. The second step conversion boosted assets to $742.8 million and book value per share to $17.80, while non-performing assets fell to 0.25% of total assets. Net interest margin expanded to 3.72%. Economic volatility poses risks to future performance.
10-Q
Q2 FY2025 results
Lake Shore Bancorp posted solid Q2 results, with net income jumping 72% year-over-year to $1.9M, or $0.34 per diluted share, fueled by net interest income climbing 17.6% to $6.1M as loan yields rose 54 basis points to 6.12% while deposit costs fell 33 basis points to 1.88%. The net interest margin expanded to 3.84% from 3.14%, yet non-interest expenses dipped 5.6% on lower FDIC premiums and professional fees, despite a 7.5% uptick in salaries. Loans grew 1.4% quarter-over-quarter to $552.4M, with non-performing assets halving to 0.24% of total assets; cash swelled to $75.4M amid deposit inflows, while long-term debt shrank 80.5% to $2.0M after repayments. Free cash flow stood at $1.9M, derived from $2.5M operating cash minus $0.5M capex. Still, competition in Western New York's lending market could pressure margins.
8-K
Dividend declared at $0.09/share
Lake Shore Bancorp declared a $0.09 per share cash dividend on July 23, 2025, payable August 13 to shareholders of record on August 4. This quarterly payout underscores the company's steady commitment to returning capital amid economic uncertainties. Forward-looking statements highlight risks like inflation and cyber threats that could impact performance.
8-K
Q2 earnings surge 72%
Lake Shore Bancorp reported Q2 2025 net income of $1.9 million, up 72% from $1.1 million a year ago, fueled by 17.6% higher net interest income and lower non-interest expenses from balance sheet tweaks and expense cuts. Net interest margin widened to 3.84%, while non-performing assets dropped to 0.24% of total assets. On July 18, the company completed its mutual-to-stock conversion, raising $49.5 million by selling 4.95 million shares at $10 each to bolster growth capital. Earnings momentum builds, yet wholesale funding reliance lingers low at $2 million.
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