Bilaal.Raja
Company record

LSBK  Lake Shore Bancorp, Inc. /MD/

Trailing twelve months to 2026-06-30, as filed 2026-08-11 and not restated since.
Financials

Scale

Market cap
$144m
Revenue TTM
$30m
Net income TTM
$8m
Free cash flow
—
Composite score
21.8
Sector rank
#2939

Valuation

P / E
17.2
EV / EBITDA
—
EV / sales
2.4
FCF yield
—
Yield vs 10-yr
0.54pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 5.28% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
28.2%
EBITDA margin
—
ROE
5.8%
ROIC
—
Revenue growth
—

Insider activity, last 90 days

Net open-market
$0.00m
Buyers
0
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

The average rate paid on these funds was 5 basis points and the collection of these funds resulted in a $3.8 million increase in the average balance of savings accounts during the three months ended June 30, 2025. 35 (1) The tax equivalent adjustment for bank qualified tax exempt municipal securities, using a federal statutory rate of 21%, results in rates of 2.88% and 3.03% for the six months ended June 30, 2026 and 2025, respectively. …Lake Shore Bancorp, Inc. /MD/, 10-Q, period ended 2026-06-30, filed 2026-08-11

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