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Lake Shore Bancorp (LSBK) Ratios
43 Followers
Lake Shore Bancorp Ratios
LSBK's free cash flow for Q2 2026 was $2.26M. For the 2026 fiscal year, LSBK's free cash flow was decreased by $-80.00K and operating cash flow was $2.34M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 200.88 | 0.16 | 0.20 | 0.15 | 0.27 |
| Quick Ratio | 200.88 | 0.16 | 0.20 | 0.15 | 0.27 |
| Cash Ratio | 200.88 | 0.06 | 0.09 | 0.02 | 0.11 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 24.99 | 0.00 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.65 | 0.00 |
| Net Current Asset Value | $ -521.40M | $ -503.19M | $ -521.84M | $ -533.25M | $ -466.90M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.01 | 0.05 | 0.05 | 0.03 |
| Debt-to-Equity Ratio | 0.01 | 0.11 | 0.41 | 0.46 | 0.25 |
| Debt-to-Capital Ratio | 0.01 | 0.10 | 0.29 | 0.32 | 0.20 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.10 | 0.29 | 0.24 | 0.20 |
| Financial Leverage Ratio | 5.14 | 7.63 | 8.40 | 8.62 | 8.11 |
| Debt Service Coverage Ratio | 0.66 | 0.41 | 0.60 | 0.44 | 2.65 |
| Interest Coverage Ratio | 0.75 | 0.43 | 0.66 | 2.84 | 2.80 |
| Debt to Market Cap | 0.01 | 0.13 | 0.51 | 0.53 | 0.25 |
| Interest Debt Per Share | 1.75 | 3.15 | 5.63 | 5.02 | 3.09 |
| Net Debt to EBITDA | -6.83 | -3.46 | -2.63 | 3.61 | -5.47 |
| Profitability Margins | |||||
| Gross Profit Margin | 70.93% | 67.82% | 77.04% | 89.34% | 88.10% |
| EBIT Margin | 22.12% | 15.39% | 17.09% | 23.32% | 26.84% |
| EBITDA Margin | 23.29% | 17.33% | 19.31% | 26.23% | 29.95% |
| Operating Profit Margin | 22.12% | 15.39% | 17.07% | 23.32% | 26.84% |
| Pretax Profit Margin | 22.12% | 15.39% | 17.09% | 23.32% | 26.84% |
| Net Profit Margin | 18.38% | 12.94% | 13.25% | 19.38% | 22.22% |
| Continuous Operations Profit Margin | 18.38% | 12.94% | 13.25% | 19.38% | 22.22% |
| Net Income Per EBT | 83.06% | 84.06% | 77.50% | 83.09% | 82.77% |
| EBT Per EBIT | 100.00% | 100.00% | 100.11% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.00% | 0.72% | 0.66% | 0.82% | 0.87% |
| Return on Equity (ROE) | 5.13% | 5.49% | 5.59% | 7.03% | 7.03% |
| Return on Capital Employed (ROCE) | 1.20% | 5.21% | 4.63% | 5.86% | 6.20% |
| Return on Invested Capital (ROIC) | 1.00% | 4.38% | 3.59% | 4.40% | 5.13% |
| Return on Tangible Assets | 1.00% | 0.72% | 0.66% | 0.82% | 0.87% |
| Earnings Yield | 6.67% | 6.38% | 7.02% | 8.04% | 7.05% |
| Efficiency Ratios | |||||
| Receivables Turnover | 13.15 | 13.52 | 12.84 | 10.54 | 11.22 |
| 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 | 5.61 | 5.28 | 4.62 | 3.56 | 3.19 |
| Asset Turnover | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.19 | -0.08 | -0.07 | -0.06 | -0.06 |
| Cash Conversion Cycle | 27.75 | 27.00 | 28.44 | 34.64 | 32.55 |
| Days of Sales Outstanding | 27.75 | 27.00 | 28.44 | 34.64 | 32.55 |
| 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 | 27.75 | 27.00 | 28.44 | 34.64 | 32.55 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.08 | 0.33 | 0.78 | 1.03 | 1.07 |
| Free Cash Flow Per Share | 1.00 | 0.33 | 0.73 | 0.98 | 0.99 |
| Dividend Paid and CapEx Coverage Ratio | 5.07 | 2.32 | 15.87 | 4.44 | 5.00 |
| Capital Expenditure Coverage Ratio | 14.28 | 0.00 | 15.87 | 20.21 | 13.64 |
| Operating Cash Flow Coverage Ratio | 6.02 | 0.24 | 0.18 | 0.22 | 0.39 |
| Operating Cash Flow to Sales Ratio | 0.20 | 0.07 | 0.17 | 0.28 | 0.31 |
| Free Cash Flow Yield | 6.82% | 3.24% | 8.47% | 10.99% | 9.03% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 15.27 | 15.62 | 14.24 | 12.44 | 14.18 |
| Price-to-Sales (P/S) Ratio | 2.76 | 2.03 | 1.89 | 2.41 | 3.15 |
| Price-to-Book (P/B) Ratio | 0.77 | 0.86 | 0.80 | 0.87 | 1.00 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 14.66 | 30.83 | 11.80 | 9.10 | 11.07 |
| Price-to-Operating Cash Flow Ratio | 13.63 | 30.83 | 11.06 | 8.65 | 10.26 |
| Price-to-Earnings Growth (PEG) Ratio | 0.32 | 2.38 | -0.93 | -0.40 | 0.16 |
| Enterprise Value Multiple | 5.00 | 8.24 | 7.14 | 12.80 | 5.05 |
| Enterprise Value | 46.10M | 54.44M | 50.15M | 98.90M | 42.08M |
| EV to EBITDA | 5.00 | 8.24 | 7.14 | 12.80 | 5.05 |
| EV to Sales | 1.17 | 1.43 | 1.38 | 3.36 | 1.51 |
| EV to Free Cash Flow | 6.20 | 21.71 | 8.63 | 12.68 | 5.31 |
| EV to Operating Cash Flow | 5.76 | 21.71 | 8.08 | 12.05 | 4.92 |
| Tangible Book Value Per Share | 19.04 | 11.77 | 10.87 | 10.19 | 11.03 |
| Shareholders’ Equity Per Share | 19.04 | 11.80 | 10.87 | 10.19 | 11.03 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.17 | 0.16 | 0.22 | 0.17 | 0.17 |
| Revenue Per Share | 5.32 | 5.00 | 4.59 | 3.70 | 3.49 |
| Net Income Per Share | 0.98 | 0.65 | 0.61 | 0.72 | 0.78 |
| Tax Burden | 0.83 | 0.84 | 0.78 | 0.83 | 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 | 0.32 | 0.34 | 0.34 | 0.33 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 |
| Income Quality | 1.10 | 0.51 | 1.29 | 1.44 | 1.38 |
Currency in USD
