Earnings summaries and quarterly performance for LAKE SHORE BANCORP,.
Executive leadership at LAKE SHORE BANCORP,.
Board of directors at LAKE SHORE BANCORP,.
Research analysts covering LAKE SHORE BANCORP,.
Recent press releases and 8-K filings for LSBK.
Lake Shore Bancorp, Inc. Announces Q4 and Full Year 2025 Financial Results
LSBK
Earnings
Revenue Acceleration/Inflection
- Lake Shore Bancorp, Inc. reported net income of $1.9 million and diluted EPS of $0.26 for the fourth quarter of 2025, and net income of $7.3 million and diluted EPS of $0.97 for the full year ended December 31, 2025, marking significant increases compared to the prior year.
- The company's net interest margin increased to 3.85% in Q4 2025 and 3.73% for the full year 2025, while the efficiency ratio improved to 69.21% for the year ended December 31, 2025.
- Book value per share increased 56.4% to $18.10 at December 31, 2025, and the company repaid all outstanding borrowings, reducing them to $0 by year-end 2025.
Jan 21, 2026, 9:30 PM
Lake Shore Bancorp, Inc. Announces Record 2025 Earnings
LSBK
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Lake Shore Bancorp, Inc. reported record unaudited net income of $7.3 million, or $0.97 per diluted share, for the year ended December 31, 2025, representing a 47.4% increase compared to $4.9 million, or $0.65 per diluted share, for the year ended December 31, 2024.
- For the fourth quarter of 2025, net income was $1.9 million, or $0.26 per diluted share, an increase of 31.7% from $1.5 million, or $0.19 per diluted share, for the fourth quarter of 2024.
- The company's net interest margin increased to 3.73% for the year ended December 31, 2025, up 52 basis points from 3.21% for the year ended December 31, 2024, and reached 3.85% for the fourth quarter of 2025.
- The efficiency ratio improved to 69.21% for the year ended December 31, 2025, a decrease of 12.79% from 82.00% for the year ended December 31, 2024.
- Book value per share increased 56.4% to $18.10 per share at December 31, 2025, compared to $11.57 per share at December 31, 2024, and non-performing assets as a percentage of total assets decreased to 0.23% at December 31, 2025, from 0.55% at December 31, 2024.
Jan 21, 2026, 9:29 PM
Lake Shore Bancorp, Inc. Declares Cash Dividend
LSBK
Dividends
- Lake Shore Bancorp, Inc. (LSBK) declared a cash dividend of $0.09 per share on its outstanding common stock.
- The dividend was declared by the Board of Directors on October 22, 2025.
- The payment date for the dividend is expected to be November 12, 2025, for stockholders of record as of November 3, 2025.
Oct 24, 2025, 1:00 PM
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