LSBK: Lake Shore Bancorp Inc Financial Statements
Balance sheet, income statement, and cash flow statements for Lake Shore Bancorp Inc (LSBK).
$78.84M Market Cap.
LSBK Market Cap. (MRY)
LSBK Shares Outstanding (MRY)
LSBK Assets (MRY)
Total Assets
$685.50M
Total Liabilities
$595.64M
Total Investments
$602.27M
LSBK Income (MRY)
Revenue
$25.85M
Net Income
$4.93M
Operating Expense
$19.98M
LSBK Cash Flow (MRY)
CF Operations
$2.51M
CF Investing
$21.12M
CF Financing
-$44.22M
LSBK Balance Sheet (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Total Assets | $685,504,000 (-5.46%) | $725,118,000 (3.60%) | $699,914,000 (-1.94%) | $713,739,000 (4.01%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Shareholders Equity | $89,868,000 (4.17%) | $86,273,000 (6.27%) | $81,184,000 (-7.72%) | $87,976,000 (2.39%) |
Property Plant & Equipment Net | $7,218,000 (-8.28%) | $7,870,000 (-5.02%) | $8,286,000 (-5.15%) | $8,736,000 (-2.65%) |
Cash & Equivalents | $33,131,000 (-38.34%) | $53,730,000 (457.77%) | $9,633,000 (-85.75%) | $67,585,000 (57.27%) |
Accumulated Other Comprehensive Income | -$9,964,000 (-6.17%) | -$9,385,000 (9.17%) | -$10,332,000 (-1156.44%) | $978,000 (-54.47%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $602,272,000 (-2.63%) | $618,563,000 (-4.68%) | $648,914,000 (6.79%) | $607,628,000 (0.38%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Accumulated Retained Earnings (Deficit) | $82,805,000 (4.87%) | $78,956,000 (5.47%) | $74,859,000 (6.05%) | $70,591,000 (7.79%) |
Tax Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Tax Liabilities | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Debt | $13,475,000 (-65.05%) | $38,557,000 (-5.62%) | $40,854,000 (62.45%) | $25,148,000 (-23.64%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $595,636,000 (-6.76%) | $638,845,000 (3.25%) | $618,730,000 (-1.12%) | $625,763,000 (4.25%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
LSBK Income Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Revenues | $25,846,000 (-7.81%) | $28,036,000 (6.53%) | $26,318,000 (7.28%) | $24,532,000 (15.18%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $18,208,000 (-7.31%) | $19,645,000 (12.79%) | $17,418,000 (11.27%) | $15,654,000 (7.23%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $19,980,000 (-8.42%) | $21,817,000 (12.18%) | $19,448,000 (14.02%) | $17,057,000 (7.16%) |
Interest Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Income Tax Expense | $935,000 (-33.17%) | $1,399,000 (20.40%) | $1,162,000 (-9.78%) | $1,288,000 (56.31%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $4,931,000 (2.30%) | $4,820,000 (-15.56%) | $5,708,000 (-7.74%) | $6,187,000 (35.74%) |
Net Income to Non-Controlling Interests | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income | $4,931,000 (2.30%) | $4,820,000 (-15.56%) | $5,708,000 (-7.74%) | $6,187,000 (35.74%) |
Preferred Dividends Income Statement Impact | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $4,931,000 (2.30%) | $4,820,000 (-15.56%) | $5,708,000 (-7.74%) | $6,187,000 (35.74%) |
Weighted Average Shares | $5,737,036 (0.81%) | $5,690,776 (-0.29%) | $5,707,387 (0.25%) | $5,693,024 (-2.32%) |
Weighted Average Shares Diluted | - | - | - | - |
Earning Before Interest & Taxes (EBIT) | $5,866,000 (-5.68%) | $6,219,000 (-9.48%) | $6,870,000 (-8.09%) | $7,475,000 (38.89%) |
Gross Profit | $25,846,000 (-7.81%) | $28,036,000 (6.53%) | $26,318,000 (7.28%) | $24,532,000 (15.18%) |
Operating Income | $5,866,000 (-5.68%) | $6,219,000 (-9.48%) | $6,870,000 (-8.09%) | $7,475,000 (38.89%) |
LSBK Cash Flow Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Net Cash Flow from Investing | $21,116,000 (8.16%) | $19,523,000 (134.13%) | -$57,204,000 (-896.24%) | -$5,742,000 (90.76%) |
Net Cash Flow from Financing | -$44,223,000 (-340.75%) | $18,369,000 (305.17%) | -$8,953,000 (-141.07%) | $21,801,000 (-68.50%) |
Net Cash Flow from Operations | $2,508,000 (-59.58%) | $6,205,000 (-24.38%) | $8,205,000 (-4.05%) | $8,551,000 (52.61%) |
Net Cash Flow / Change in Cash & Cash Equivalents | -$20,599,000 (-146.71%) | $44,097,000 (176.09%) | -$57,952,000 (-335.48%) | $24,610,000 (93.99%) |
Net Cash Flow - Business Acquisitions and Disposals | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Cash Flow - Investment Acquisitions and Disposals | $13,359,000 (-58.01%) | $31,811,000 (155.69%) | -$57,119,000 (-980.57%) | -$5,286,000 (91.53%) |
Capital Expenditure | $41,000 (110.49%) | -$391,000 (3.69%) | -$406,000 (35.25%) | -$627,000 (-57.14%) |
Issuance (Repayment) of Debt Securities | -$25,082,000 (-991.95%) | -$2,297,000 (-114.62%) | $15,706,000 (301.75%) | -$7,785,000 (-57.27%) |
Issuance (Purchase) of Equity Shares | -$20,000 (65.52%) | -$58,000 (31.76%) | -$85,000 (96.23%) | -$2,255,000 (-41.56%) |
Payment of Dividends & Other Cash Distributions | -$1,082,000 (0%) | $0 (0%) | -$1,440,000 (-32.84%) | -$1,084,000 (-6.27%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | $246,000 (1347.06%) | $17,000 (-92.44%) | $225,000 (-12.45%) | $257,000 (16.82%) |
Depreciation Amortization & Accretion | $739,000 (-8.43%) | $807,000 (-5.72%) | $856,000 (-1.04%) | $865,000 (2.98%) |
LSBK Financial Metrics (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 19.10% (11.05%) | 17.20% (-20.74%) | 21.70% (-13.89%) | 25.20% (17.76%) |
EBITDA Margin | 25.60% (1.99%) | 25.10% (-14.63%) | 29.40% (-13.53%) | 34.00% (16.44%) |
Return on Average Equity (ROAE) | 5.60% (-3.45%) | 5.80% (-18.31%) | 7.10% (0.00%) | 7.10% (31.48%) |
Return on Average Assets (ROAA) | 0.70% (0.00%) | 0.70% (-12.50%) | 0.80% (-11.11%) | 0.90% (28.57%) |
Return on Sales (ROS) | 22.70% (2.25%) | 22.20% (-14.94%) | 26.10% (-14.43%) | 30.50% (20.55%) |
Return on Invested Capital (ROIC) | 0.90% (0.00%) | 0.90% (-10.00%) | 1.00% (-9.09%) | 1.10% (37.50%) |
Dividend Yield | 3.90% (0%) | 0% (0%) | 5.60% (55.56%) | 3.60% (-5.26%) |
Price to Earnings Ratio (P/E) | 15.62 (9.36%) | 14.28 (14.76%) | 12.44 (-12.31%) | 14.19 (-15.95%) |
Price to Sales Ratio (P/S) | 3.05 (28.31%) | 2.38 (-9.21%) | 2.62 (-24.29%) | 3.46 (-2.78%) |
Price to Book Ratio (P/B) | 0.88 (13.60%) | 0.77 (-9.07%) | 0.85 (-11.93%) | 0.96 (9.30%) |
Debt to Equity Ratio (D/E) | 6.63 (-10.49%) | 7.41 (-2.83%) | 7.62 (7.14%) | 7.11 (1.82%) |
Earnings Per Share (EPS) | 0.88 (7.32%) | 0.82 (-15.46%) | 0.97 (-7.62%) | 1.05 (36.36%) |
Sales Per Share (SPS) | 4.5 (-8.57%) | 4.93 (6.85%) | 4.61 (7.01%) | 4.31 (17.89%) |
Free Cash Flow Per Share (FCFPS) | 0.44 (-56.56%) | 1.02 (-25.18%) | 1.37 (-1.87%) | 1.39 (55.88%) |
Book Value Per Share (BVPS) | 15.66 (3.33%) | 15.16 (6.58%) | 14.22 (-7.95%) | 15.45 (4.82%) |
Tangible Assets Book Value Per Share (TABVPS) | 119.49 (-6.23%) | 127.42 (3.90%) | 122.63 (-2.18%) | 125.37 (6.48%) |
Enterprise Value Over EBIT (EV/EBIT) | 7 (-30.00%) | 10 (-9.09%) | 11 (83.33%) | 6 (-14.29%) |
Enterprise Value Over EBITDA (EV/EBITDA) | 6.17 (-26.88%) | 8.44 (-14.13%) | 9.83 (72.40%) | 5.7 (-6.51%) |
Asset Turnover | 0.04 (-5.13%) | 0.04 (2.63%) | 0.04 (8.57%) | 0.04 (9.38%) |
Current Ratio | - | - | - | - |
Dividends | $0.54 (0%) | $0 (0%) | $0.68 (25.93%) | $0.54 (10.20%) |
Free Cash Flow (FCF) | $2,549,000 (-56.16%) | $5,814,000 (-25.45%) | $7,799,000 (-1.58%) | $7,924,000 (52.27%) |
Enterprise Value (EV) | $40,763,365 (-31.27%) | $59,308,987 (-21.91%) | $75,948,161 (59.72%) | $47,552,058 (25.31%) |
Earnings Before Tax (EBT) | $5,866,000 (-5.68%) | $6,219,000 (-9.48%) | $6,870,000 (-8.09%) | $7,475,000 (38.89%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $6,605,000 (-5.99%) | $7,026,000 (-9.06%) | $7,726,000 (-7.36%) | $8,340,000 (34.04%) |
Invested Capital | $665,848,000 (-6.21%) | $709,945,000 (-2.90%) | $731,135,000 (8.91%) | $671,302,000 (-0.72%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $685,504,000 (-5.46%) | $725,118,000 (3.60%) | $699,914,000 (-1.94%) | $713,739,000 (4.01%) |
Market Capitalization | $78,842,365 (18.31%) | $66,638,987 (-3.26%) | $68,888,161 (-18.79%) | $84,826,058 (11.96%) |
Average Equity | $88,296,750 (5.48%) | $83,709,750 (3.79%) | $80,655,750 (-6.99%) | $86,717,750 (2.28%) |
Average Assets | $702,931,000 (-2.47%) | $720,759,250 (3.05%) | $699,397,250 (-1.48%) | $709,918,250 (6.16%) |
Invested Capital Average | $673,083,750 (-6.18%) | $717,433,000 (1.39%) | $707,630,250 (3.95%) | $680,755,000 (5.74%) |
Shares | 5,737,036 (0.81%) | 5,690,776 (-0.29%) | 5,707,387 (0.25%) | 5,693,024 (-2.32%) |
