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STOCKS

Lake Shore Bancorp (LSBK)

:LSBK

LSBK

Lake Shore Bancorp

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Lake Shore Bancorp (LSBK) Ratios

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43 Followers

Lake Shore Bancorp Ratios

LSBK's free cash flow for Q2 2025 was $0.70. 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 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.20	0.20	6.79	0.41	0.36
Quick Ratio	0.20	0.20	1.98	0.59	0.49
Cash Ratio	0.12	0.09	0.76	0.18	0.12
Solvency Ratio	0.01	<0.01	0.01	0.32	0.18
Operating Cash Flow Ratio	<0.01	0.01	0.65	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.65	0.00	0.00
Net Current Asset Value	$ -515.97M	$ -521.84M	$ -533.26M	$ 137.29M	$ 95.50M
Leverage Ratios
Debt-to-Assets Ratio	<0.01	0.05	0.05	0.03	0.04
Debt-to-Equity Ratio	0.02	0.41	0.46	0.25	0.35
Debt-to-Capital Ratio	0.02	0.29	0.32	0.20	0.26
Long-Term Debt-to-Capital Ratio	0.02	0.29	0.24	0.20	0.26
Financial Leverage Ratio	7.91	8.40	8.62	8.12	7.99
Debt Service Coverage Ratio	0.80	0.60	0.44	2.65	1.23
Interest Coverage Ratio	0.89	0.66	3.49	2.80	1.22
Debt to Market Cap	0.02	0.51	0.53	0.25	0.38
Interest Debt Per Share	1.45	7.60	6.80	4.18	5.74
Net Debt to EBITDA	-8.50	-2.63	3.61	-5.52	-2.13
Profitability Margins
Gross Profit Margin	51.40%	77.04%	100.00%	100.00%	100.00%
EBIT Margin	20.86%	17.09%	25.40%	29.68%	23.48%
EBITDA Margin	22.10%	19.31%	28.57%	33.12%	27.14%
Operating Profit Margin	20.86%	17.07%	31.17%	29.68%	23.48%
Pretax Profit Margin	20.87%	17.09%	25.40%	29.68%	23.48%
Net Profit Margin	17.41%	13.25%	21.11%	24.57%	19.88%
Continuous Operations Profit Margin	17.41%	13.25%	21.11%	24.57%	19.88%
Net Income Per EBT	83.45%	77.50%	83.09%	82.77%	84.69%
EBT Per EBIT	100.02%	100.11%	81.50%	100.00%	100.00%
Return on Assets (ROA)	0.93%	0.66%	0.82%	0.87%	0.66%
Return on Equity (ROE)	7.49%	5.59%	7.03%	7.03%	5.30%
Return on Capital Employed (ROCE)	7.59%	4.63%	1.23%	2.29%	1.58%
Return on Invested Capital (ROIC)	6.34%	3.59%	4.20%	-4.75%	-3.43%
Return on Tangible Assets	0.93%	0.66%	0.92%	1.00%	0.76%
Earnings Yield	6.61%	7.00%	8.04%	7.06%	5.89%
Efficiency Ratios
Receivables Turnover	13.58	12.84	0.00	10.14	7.67
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	5.33	4.62	3.26	2.88	2.55
Asset Turnover	0.05	0.05	0.04	0.04	0.03
Working Capital Turnover Ratio	-0.08	-0.07	-0.35	-0.11	-0.12
Cash Conversion Cycle	26.89	28.44	0.00	35.99	47.56
Days of Sales Outstanding	26.89	28.44	0.00	35.99	47.56
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	26.89	28.44	0.00	35.99	47.56
Cash Flow Ratios
Operating Cash Flow Per Share	0.58	1.06	1.38	1.45	0.94
Free Cash Flow Per Share	0.51	0.99	1.31	1.35	0.87
CapEx Per Share	0.07	0.07	0.07	0.11	0.07
Free Cash Flow to Operating Cash Flow	0.88	0.94	0.95	0.93	0.93
Dividend Paid and CapEx Coverage Ratio	2.78	15.87	4.41	5.00	3.95
Capital Expenditure Coverage Ratio	8.45	15.87	20.04	13.64	14.04
Operating Cash Flow Coverage Ratio	2.24	0.18	0.22	0.39	0.19
Operating Cash Flow to Sales Ratio	0.11	0.17	0.30	0.34	0.24
Free Cash Flow Yield	3.81%	8.45%	10.89%	9.04%	6.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	15.12	14.28	12.43	14.17	16.99
Price-to-Sales (P/S) Ratio	2.65	1.89	2.62	3.48	3.38
Price-to-Book (P/B) Ratio	1.11	0.80	0.87	1.00	0.90
Price-to-Free Cash Flow (P/FCF) Ratio	26.24	11.84	9.18	11.07	14.88
Price-to-Operating Cash Flow Ratio	22.99	11.09	8.72	10.25	13.82
Price-to-Earnings Growth (PEG) Ratio	0.76	-0.92	-1.63	0.39	1.28
Price-to-Fair Value	1.11	0.80	0.87	1.00	0.90
Enterprise Value Multiple	3.49	7.17	12.80	5.00	10.32
Enterprise Value	30.17M	50.35M	98.88M	41.67M	64.19M
EV to EBITDA	3.49	7.17	12.80	5.00	10.32
EV to Sales	0.77	1.38	3.66	1.65	2.80
EV to Free Cash Flow	7.65	8.66	12.79	5.26	12.34
EV to Operating Cash Flow	6.74	8.11	12.15	4.87	11.46
Tangible Book Value Per Share	12.05	14.68	13.81	117.61	110.23
Shareholders’ Equity Per Share	12.08	14.68	13.81	14.95	14.43
Tax and Other Ratios
Effective Tax Rate	0.17	0.22	0.17	0.17	0.15
Revenue Per Share	5.08	6.19	4.60	4.28	3.85
Net Income Per Share	0.88	0.82	0.97	1.05	0.77
Tax Burden	0.83	0.78	0.83	0.83	0.85
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	0.24	0.34	0.37	0.43	0.46
Stock-Based Compensation to Revenue	0.01	<0.01	0.01	0.01	0.01
Income Quality	0.77	1.29	1.43	1.38	1.23

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