Lake Shore Bancorp, Inc. /MD/ (LSBK) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
LSBK financial screening at a glance
Calculation date: 2026-09-01. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
What the available screens say
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Business activity evidence
Business exclusion flag
The supplied classification (Banks - Regional) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 33.4% | |
| Net Margin | 25.9% | |
| Return on Equity (ROE) | 6.3% | |
| Return on Assets (ROA) | 1.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $8M |
| Free Cash Flow | $7M |
| Total Assets | $727M |
Price & Trading
| Last Close | $15.29 |
| 50-Day MA | $15.34 |
| 200-Day MA | $13.77 |
| Avg Volume | 10K |
| Beta | 0.3 |
|
52-Week Range
$10.04
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Lake Shore Bancorp, Inc. /MD/ (LSBK)
Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York. The company accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; NOW accounts; money market savings and checking accounts; interest-bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium-sized businesses. Its loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial business loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal unsecured consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured loans, and property improvement loans, as well as loans secured by certificates of deposit. In addition, it offers debit and credit cards, mobile and online banking, direct deposit, safe deposit boxes, overdraft protection, wire services, notary services, money orders, direct access service hotline (DASH), and e-services. Lake Shore Bancorp, Inc. was founded in 1891 and is headquartered in Dunkirk, New York.
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Frequently Asked Questions
Is Lake Shore Bancorp, Inc. /MD/ (LSBK) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Lake Shore Bancorp, Inc. /MD/'s debt ratio?
Lake Shore Bancorp, Inc. /MD/'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Lake Shore Bancorp, Inc. /MD/'s key financial metrics?
Lake Shore Bancorp, Inc. /MD/ has a market capitalization of USD 118M in its listing currency, trailing P/E ratio of 15.6, and revenue of $28M. Return on equity stands at 6.3%.
How often is the screening data updated?
Calculation date: 2026-09-01. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.