Lake Shore Bancorp, Inc. (LSBK) Earnings History
Growth Compounder22 years of earnings data (2004–2025) · Consistent double-digit EPS growth over 5 years
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Lake Shore Bancorp, Inc. (LSBK) Earnings Overview
As of July 8, 2026, Lake Shore Bancorp, Inc. (LSBK) reported trailing twelve-month net income of $8M, reflecting +47.7% year-over-year growth. The company earned $1.10 per diluted share over the past four quarters, with a net profit margin of 18.4%.
Looking at the long-term picture, LSBK's 5-year EPS compound annual growth rate (CAGR) stands at +11.4%, showing solid earnings momentum. The company achieved its highest annual net income of $7M in fiscal 2025, representing a new all-time high.
Lake Shore Bancorp, Inc. maintains industry-leading profitability with a gross margin of 70.9%, operating margin of 22.1%, and net margin of 18.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), NECB ($44M net income, 28.2% margin), BWFG ($40M net income, 16.9% margin), LSBK has outperformed on profitability metrics. Compare LSBK vs CZWI →
LSBK Earnings vs Peers
Earnings metrics vs comparable public companies
LSBK Historical Earnings Data (2004–2025)
22 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $7M | +47.4% | $9M | $0.96 | 18.4% | 22.1% |
| 2024 | $5M | +2.3% | $6M | $0.65 | 12.9% | 15.4% |
| 2023 | $5M | -15.6% | $6M | $0.61 | 13.2% | 17.1% |
| 2022 | $6M | -7.7% | $7M | $0.72 | 19.4% | 23.3% |
| 2021 | $6M | +35.7% | $7M | $1.05 | 22.2% | 26.8% |
| 2020 | $5M | +11.5% | $5M | $0.56 | 16.7% | 19.7% |
| 2019 | $4M | +2.2% | $5M | $0.50 | 15.3% | 17.7% |
| 2018 | $4M | +18.4% | $5M | $0.49 | 16.7% | 19.1% |
| 2017 | $3M | -3.9% | $5M | $0.41 | 15.3% | 20.7% |
| 2016 | $4M | +5.3% | $4M | $0.43 | 16.3% | 19.9% |
| 2015 | $3M | +5.7% | $4M | $0.42 | 16.4% | 20.0% |
| 2014 | $3M | -15.6% | $4M | $0.41 | 15.7% | 18.5% |
| 2013 | $4M | +3.2% | $5M | $0.48 | 18.1% | 22.8% |
| 2012 | $4M | -1.5% | $5M | $0.47 | 16.7% | 21.3% |
| 2011 | $4M | +20.9% | $5M | $0.48 | 16.4% | 22.6% |
| 2010 | $3M | +40.8% | $3M | $0.39 | 13.0% | 14.6% |
| 2009 | $2M | +47.0% | $3M | $0.27 | 9.8% | 13.0% |
| 2008 | $1M | -19.1% | $2M | $0.18 | 6.5% | 8.0% |
| 2007 | $2M | -0.1% | $2M | $0.21 | 8.8% | 11.0% |
| 2006 | $2M | -11.4% | $3M | $0.21 | 9.3% | 13.9% |
| 2005 | $2M | -5.7% | $3M | $0.24 | 11.5% | 16.9% |
| 2004 | $2M | - | $3M | $0.25 | 29.2% | 41.2% |
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LSBK — Frequently Asked Questions
Quick answers to the most common questions about buying LSBK stock.
What is LSBK earnings per share (EPS)?
LSBK trailing twelve-month (TTM) diluted EPS is $1.10, reflecting +47.7% year-over-year growth. The 5-year EPS CAGR is +11.4%. Complete EPS history from 2004 to 2025 is available in the table on this page.
What is Lake Shore Bancorp, Inc.'s net income?
Lake Shore Bancorp, Inc. (LSBK) trailing twelve-month net income is $8M as of 2025. Earnings grew +47.7% year-over-year. Lake Shore Bancorp, Inc. has been profitable for 22 consecutive years.
Is LSBK profitable?
Yes, LSBK is profitable with a TTM net income of $8M and a net profit margin of +18.4%. Lake Shore Bancorp, Inc. has generated profits for 22 consecutive years.
What is LSBK's earnings growth rate?
LSBK compound annual EPS growth rates (CAGR): 1-Year: +47.7%, 3-Year: +10.1%, 5-Year: +11.4%, 10-Year: +8.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2004 to 2025.
What are LSBK's profit margins?
Lake Shore Bancorp, Inc. net profit margin is +18.4%, operating margin is +22.1%, and gross margin is +70.9%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +6.3%.
Is LSBK growing earnings?
Yes, LSBK earnings are accelerating — EPS growth of +47.7% exceeds the 5-year CAGR of +11.4%. TTM net income reached $8M. Earnings momentum is strengthening.
What was LSBK's best earnings year?
Lake Shore Bancorp, Inc.'s highest annual net income on record is $7M, achieved in fiscal year 2025. Earnings history on this page spans 2004 to 2025 and includes all annual and quarterly figures.
What were LSBK's earnings last quarter?
LSBK's most recent reported quarter was Q1 2026. Net income was $2M with diluted EPS of $0.26. For a full breakdown of all quarters, see the quarterly earnings table on this page.