Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2024 | FY2025 |
|---|---|---|
| Net income | $4.93M | $7.27M |
| EPS (diluted) | $0.65 | $0.97 |
| Fiscal year | FY2024 | FY2025 |
|---|---|---|
| Operating cash flow | $2.51M | $8.00M |
| Share buybacks | $20.0K | $53.0K |
| Dividends paid | $1.08M | $1.68M |
| Fiscal year | FY2024 | FY2025 |
|---|---|---|
| Cash & equivalents | $33.1M | $64.3M |
| Total assets | $686M | $727M |
| Total liabilities | $596M | $586M |
| Long-term debt | $10.3M | $0.00 |
| Shareholders' equity | $89.9M | $142M |
| Retained earnings | $82.8M | $88.4M |
| Shares (wtd avg diluted) | 7.62M | 7.52M |
Every figure is extracted from Lake Shore Bancorp, Inc. /MD/’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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