Lake Shore Bancorp, Inc. LSBK NASDAQ

Lake Shore Bancorp, Inc. (LSBK) reported total assets of $727.32M and total liabilities of $585.68M for quarter ending 2025-12-31, resulting in total equity of $141.64M.

The company held $116.82M in cash and short-term investments. Total debt stood at $1.33M, with net debt of $-62.95M. The Debt-to-Equity (D/E) ratio was 0.01 (conservative).

Current ratio is 200.88, indicating strong short-term liquidity. Interest coverage is 0.8x (weak).

Criteria supported by this page:

• HEALTH (67/100, Partial) — some metrics are adequate but not all reach ideal thresholds
• MOAT (35/100) — Total assets $727.32M and equity $141.64M support the company's competitive scale
• VALUE (47/100) — Debt-to-Equity 0.01 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 65/100 with 3/7 criteria passed.