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Lake Shore Bancorp (LSBK)
NASDAQ:LSBK
US Market
LSBK
Lake Shore Bancorp
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Lake Shore Bancorp (LSBK) Ratios

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Lake Shore Bancorp Ratios

LSBK's free cash flow for Q4 2025 was $0.72. For the 2025 fiscal year, LSBK's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 200.88 200.88 0.16 0.20 0.15
Quick Ratio
 200.88 200.88 0.16 0.20 0.15
Cash Ratio
 200.88 200.88 0.06 0.09 0.02
Solvency Ratio
 0.01 0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 24.99 24.99 <0.01 0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.65
Net Current Asset Value
$ -521.40M$ -521.40M$ -503.19M$ -521.84M$ -533.25M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 0.01 0.05 0.05
Debt-to-Equity Ratio
 <0.01 <0.01 0.11 0.41 0.46
Debt-to-Capital Ratio
 <0.01 <0.01 0.10 0.29 0.32
Long-Term Debt-to-Capital Ratio
 <0.01 <0.01 0.10 0.29 0.24
Financial Leverage Ratio
 5.14 5.14 7.63 8.40 8.62
Debt Service Coverage Ratio
 0.77 0.66 0.41 0.60 0.44
Interest Coverage Ratio
 0.88 0.75 0.43 0.66 2.84
Debt to Market Cap
 <0.01 <0.01 0.13 0.51 0.53
Interest Debt Per Share
 1.70 1.75 3.15 5.63 5.02
Net Debt to EBITDA
 -6.11 -6.83 -3.46 -2.63 3.61
Profitability Margins
Gross Profit Margin
73.08%70.93%67.82%77.04%89.34%
EBIT Margin
24.47%22.12%15.39%17.09%23.32%
EBITDA Margin
25.60%23.29%17.33%19.31%26.23%
Operating Profit Margin
24.47%22.12%15.39%17.07%23.32%
Pretax Profit Margin
24.47%22.12%15.39%17.09%23.32%
Net Profit Margin
20.23%18.38%12.94%13.25%19.38%
Continuous Operations Profit Margin
20.23%18.38%12.94%13.25%19.38%
Net Income Per EBT
82.66%83.06%84.06%77.50%83.09%
EBT Per EBIT
100.00%100.00%100.00%100.11%100.00%
Return on Assets (ROA)
1.12%1.00%0.72%0.66%0.82%
Return on Equity (ROE)
7.01%5.13%5.49%5.59%7.03%
Return on Capital Employed (ROCE)
1.35%1.20%5.21%4.63%5.86%
Return on Invested Capital (ROIC)
1.12%1.00%4.38%3.59%4.40%
Return on Tangible Assets
1.12%1.00%0.72%0.66%0.82%
Earnings Yield
6.92%6.67%6.38%7.02%8.04%
Efficiency Ratios
Receivables Turnover
 13.38 13.15 13.52 12.84 10.54
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 5.28 4.62 3.56
Asset Turnover
 0.06 0.05 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.21 -0.19 -0.08 -0.07 -0.06
Cash Conversion Cycle
 27.29 27.75 27.00 28.44 34.64
Days of Sales Outstanding
 27.29 27.75 27.00 28.44 34.64
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 27.29 27.75 27.00 28.44 34.64
Cash Flow Ratios
Operating Cash Flow Per Share
 1.08 1.08 0.33 0.78 1.03
Free Cash Flow Per Share
 1.01 1.00 0.33 0.73 0.98
CapEx Per Share
 0.08 0.08 0.00 0.05 0.05
Free Cash Flow to Operating Cash Flow
 0.93 0.93 1.00 0.94 0.95
Dividend Paid and CapEx Coverage Ratio
 3.58 5.07 2.32 15.87 4.44
Capital Expenditure Coverage Ratio
 14.28 14.28 0.00 15.87 20.21
Operating Cash Flow Coverage Ratio
 6.02 6.02 0.24 0.18 0.22
Operating Cash Flow to Sales Ratio
 0.20 0.20 0.07 0.17 0.28
Free Cash Flow Yield
5.95%6.82%3.24%8.47%10.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 14.47 15.00 15.68 14.24 12.44
Price-to-Sales (P/S) Ratio
 3.11 2.76 2.03 1.89 2.41
Price-to-Book (P/B) Ratio
 0.83 0.77 0.86 0.80 0.87
Price-to-Free Cash Flow (P/FCF) Ratio
 16.83 14.66 30.83 11.80 9.10
Price-to-Operating Cash Flow Ratio
 14.72 13.63 30.83 11.06 8.65
Price-to-Earnings Growth (PEG) Ratio
 0.21 0.31 2.39 -0.93 -0.40
Price-to-Fair Value
 0.83 0.77 0.86 0.80 0.87
Enterprise Value Multiple
 6.04 5.00 8.24 7.14 12.80
Enterprise Value
 61.96M 46.10M 54.44M 50.15M 98.90M
EV to EBITDA
 6.02 5.00 8.24 7.14 12.80
EV to Sales
 1.54 1.17 1.43 1.38 3.36
EV to Free Cash Flow
 8.33 6.20 21.71 8.63 12.68
EV to Operating Cash Flow
 7.75 5.76 21.71 8.08 12.05
Tangible Book Value Per Share
 19.15 19.04 11.77 10.87 10.19
Shareholders’ Equity Per Share
 19.15 19.04 11.80 10.87 10.19
Tax and Other Ratios
Effective Tax Rate
 0.17 0.17 0.16 0.22 0.17
Revenue Per Share
 5.44 5.32 5.00 4.59 3.70
Net Income Per Share
 1.10 0.98 0.65 0.61 0.72
Tax Burden
 0.83 0.83 0.84 0.78 0.83
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.22 0.22 0.32 0.34 0.34
Stock-Based Compensation to Revenue
 0.01 <0.01 <0.01 <0.01 0.01
Income Quality
 1.10 1.10 0.51 1.29 1.44
Currency in USD