LSBK - NASDAQ
Lake Shore Bancorp, Inc.
$15.70
-0.032%Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
At a Glance
Live SnapshotLake Shore Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Lake Shore Bancorp, Inc. Cash Flow Statement
LSBK • NASDAQ
| Lake Shore Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
7.3M | 4.9M | 4.8M | 5.7M | 6.2M | 4.6M | 4.1M | 4M | 3.4M | 3.5M | 3.3M | 3.2M | 3.7M | 3.6M | 3.7M | 3M | 2.2M | 1.5M | 1.8M | 1.8M | |
462K | 739K | 807K | 1.3M | 865K | 840K | 809K | 774K | 852K | 865K | 834K | 750K | 699K | 663K | 655K | 602K | 545K | 526K | 544K | 652K | |
-154K | 128K | 17K | -187K | 217K | -492K | -41K | 135K | 219K | -222K | 257K | -26K | -46K | -240K | -40K | 111K | -317K | -480K | 138K | -217K | |
387K | 345K | 103K | 335K | 374K | 322K | 442K | 575K | 566K | 325K | 327K | 209K | 132K | 124K | 304K | 397K | 316K | 291K | 310K | 0.0 | |
60K | -1.1M | -331K | 400K | 1.1M | 2.3M | 1.6M | 989K | 928K | 108K | 670K | 796K | 1.1M | 1.9M | 1.5M | 1.4M | -798K | 2M | -182K | 58K | |
(1.6M) | (1.1M) | (1.3M) | (975K) | (1.4M) | (1.1M) | (770K) | (529K) | (920K) | (0.0) | (580K) | (828K) | (1.1M) | (1.1M) | (1.2M) | (1.2M) | (764K) | (0.0) | (0.0) | (0.0) | |
-26K | -2.5M | 789K | 603K | -167K | -1.9M | -1M | -359K | -116K | -297K | -463K | -540K | -286K | 707K | 34K | -681K | 640K | 357K | -539K | 2.2M | |
8M | 2.5M | 6.2M | 8.2M | 8.6M | 5.6M | 5.8M | 6.1M | 5.8M | 4.3M | 5M | 4.3M | 5.4M | 6.8M | 6.2M | 4.9M | 2.5M | 4.2M | 2.1M | 4.5M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-2.6M | (0.0) | -391K | -406K | -627K | -399K | -810K | -818K | -1.5M | -468K | -459K | -627K | -657K | -1.8M | -216K | -1.6M | -301K | -1.8M | -229K | -236K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -150K | -350K | (0.0) | |
(0.0) | (0.0) | (0.0) | -6.1M | -30M | -28M | -2.3M | -16.2M | -13.2M | (0.0) | (0.0) | (0.0) | -36M | -32.6M | -30.2M | -77.2M | -37.6M | -26.4M | -14.7M | -30.5M | |
2.3M | 3.2M | 13.7M | 7.5M | 18.8M | 20.9M | 18.8M | 9.4M | 18.5M | 26.3M | 23.9M | 24.6M | 30.2M | 36.1M | 29M | 40.4M | 33.1M | 19.5M | 16.9M | 19.8M | |
-7.9M | 17.9M | 6.2M | -58.2M | 6M | -54.7M | -80.5M | -31.5M | -40.3M | -33M | -13.5M | -7.8M | -4.8M | -1.5M | -12.9M | -6.3M | -19.9M | -22.7M | -14.2M | -3.8M | |
-8.1M | (21.1M) | (19.5M) | -57.2M | -5.7M | -62.1M | -64.7M | -39.1M | -36.5M | -7.3M | (9.9M) | (16.2M) | -11.1M | (179K) | -14.3M | -44.8M | -24.6M | -31.5M | -12.5M | -14.8M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
43.2M | -20K | -58K | -85K | -2.3M | -1.6M | -1.4M | -1.4M | -269K | -455K | -746K | -62K | -119K | -209K | -169K | -1.6M | -719K | -1.5M | -2.2M | 26.1M | |
-10.4M | -25.1M | -2.4M | 15.5M | -7.8M | -4.9M | 10M | -2.3M | 8M | -2.2M | 2.2M | -550K | -6.1M | -8.5M | -5M | -3.8M | -9M | -4.5M | 13.1M | -5.3M | |
-1M | -1.1M | (0.0) | -1.4M | -1.1M | -1M | -1.3M | -880K | -743K | -888K | -611K | -590K | -587K | -928K | -647K | -530K | -465K | -484K | -346K | -82K | |
-51K | -20K | -58K | -85K | -2.3M | -1.6M | -1.4M | -1.4M | -269K | -455K | -746K | -62K | -119K | -209K | -169K | -1.6M | -719K | -1.5M | -2.2M | (0.0) | |
-537K | -18M | 20.8M | -23M | 32.9M | 76.7M | 51.1M | 27.4M | 19.1M | 17.8M | -17.3M | -706K | 10M | -1.2M | 4.1M | 57.3M | 25.3M | 52.7M | -8.7M | -3.8M | |
31.3M | -44.2M | 18.4M | -9M | 21.8M | 69.2M | 58.4M | 22.8M | 26.1M | 14.2M | -16.5M | -1.9M | 3.2M | -10.9M | -1.7M | 51.3M | 15.1M | 46.2M | 1.8M | 16.9M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
31.1M | -20.6M | 44.1M | -58M | 24.6M | 12.7M | -462K | -10.2M | -4.6M | 11.3M | -1.6M | 18.6M | -2.6M | -3.9M | -9.8M | 11.5M | -7M | 18.9M | -8.6M | 6.6M | |
33.1M | 53.7M | 9.6M | 67.6M | 43M | 30.3M | 30.8M | 40.9M | 45.5M | 34.2M | 35.8M | 17.2M | 19.8M | 23.7M | 33.5M | 22.1M | 29M | 10.1M | 18.7M | 12.1M | |
64.3M | 33.1M | 53.7M | 9.6M | 67.6M | 43M | 30.3M | 30.8M | 40.9M | 45.5M | 34.2M | 35.8M | 17.2M | 19.8M | 23.7M | 33.5M | 22.1M | 29M | 10.1M | 18.7M | |
7.4M | 2.5M | 5.8M | 7.8M | 7.9M | 5.2M | 5M | 5.3M | 4.3M | 3.8M | 4.5M | 3.7M | 4.7M | 4.9M | 5.9M | 3.3M | 2.2M | 2.4M | 1.9M | 4.3M |
SEC Filings
LSBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2025 N/A | July 18, 2025 | July 18, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 08, 2025 | July 08, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 01, 2025 | July 01, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 23, 2025 | May 23, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 21, 2025 | May 21, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 21, 2025 | May 21, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 20, 2025 | May 14, 2025 | 2025 | |
10-Q 10-Q 2025 Q1 Q1 | May 15, 2025 | March 31, 2025 | 2025 | |
8-K 8-K 2025 N/A | April 29, 2025 | April 29, 2025 | 2025 | |
DEF 14A DEF 14A 2025 N/A | April 11, 2025 | April 11, 2025 | 2025 |
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