Lake Shore Bancorp, Inc.

LSBKNASDAQFinancial Services● Active

$15.84

+$0.00(+0.00%)

Market Cap$124546594

P/E Ratio—

52W High$16.28

52W Low$11.24077

Avg Volume11K

Open$15.75

Beta0.30

Free Cash Flow Financials Revenue

Lake Shore Bancorp, Inc. (LSBK) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

LSBK · free cash flow · updated Jun 8, 2026

Core FCF metrics

LSBK · FCF · TTM · margin & CAGR

Free cash flow was $7.4M for FY2025 (fiscal year ending 2025-12-31), up 196.6% year-over-year The FCF margin was 18.8%. Five-year CAGR stands at +7.4%.

FY2025 Free Cash Flow$7.4M▲ +196.6% YoY

Trailing 12M (TTM)$9.7Mtrailing 4 quarters sum

FCF Margin18.8%$7.4M ÷ revenue

3-Year CAGR-1.6%FY2022 → FY2025

5-Year CAGR+7.4%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

LSBK · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$8.0M(1M)$7.4M▲ +196.6%18.8%

FY2024$2.5M(0M)$2.5M▼ 56.9%6.6%

FY2023$6.2M(0M)$5.8M▼ 25.5%16.0%

FY2022$8.2M(0M)$7.8M▼ 1.6%26.5%

FY2021$8.6M(1M)$7.9M▲ +52.3%28.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

LSBK · P/FCF · FCF yield · FCF per share

Lake Shore Bancorp, Inc. (LSBK) trades at a FCF yield of 7.75% and a price-to-free-cash-flow ratio of 12.2x. FCF per share stands at $1.30, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

7.75%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.30

TTM FCF ÷ Shares Outstanding

Price / FCF

x12.2

Share Price ÷ FCF per Share

EV / FCF (TTM)

x12.6

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

LSBK · cash flow statement · operating / investing / financing

For FY2025, Lake Shore Bancorp, Inc. generated $8.0M in operating cash flow and spent 1M in capital expenditures, yielding $7.4M in free cash flow.

Operating Activities

+$8.0M

Cash from core business operations

2025-12-31

Investing Activities

−$8.1M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$31.3M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($8.0M) − |CapEx| (1M) = FCF ($7.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

LSBK vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Lake Shore Bancorp, Inc.YOU

LSBK

$7.4M+196.6%18.8%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Lake Shore Bancorp, Inc. (LSBK) reported free cash flow of $7.4M for FY2025 (fiscal year ending 2025-12-31), up 196.6% year-over-year. The FCF margin was 18.8%.

Based on available data, Lake Shore Bancorp, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $7.9M in FY2021. The 5-year CAGR stands at +7.4%.

Lake Shore Bancorp, Inc.'s FCF yield is 7.75% and price-to-FCF ratio is 12.2x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

LSBK free cash flow · 8 questions

Lake Shore Bancorp, Inc. free cash flow was $7.4M for FY2025, up 196.6% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $9.7M.

LSBK free cash flowLSBK FCFLSBK FCF 2025LSBK free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Lake Shore Bancorp, Inc. · Lake Shore Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026