Lake Shore Bancorp Inc (LSBK) — Cash Flow Quality Index
Lake Shore Bancorp Inc (LSBK) has a Cash Flow Quality Index of 1.45x as of March 2026. Operating cash flow of $2.79 Million exceeds net income of $1.92 Million, indicating high earnings quality where cash backs reported profits. Explore Lake Shore Bancorp Inc cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Lake Shore Bancorp Inc Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Lake Shore Bancorp Inc across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Lake Shore Bancorp Inc operating cash flow efficiency.
Annual Cash Flow Quality Index for Lake Shore Bancorp Inc (2004–2025)
Year-by-year earnings quality comparison for Lake Shore Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.10x | $8.00 Million | $7.27 Million | ▲ +116.3% |
| 2024 | 0.51x | $2.51 Million | $4.93 Million | ▼ -60.5% |
| 2023 | 1.29x | $6.21 Million | $4.82 Million | ▼ -9.7% |
| 2022 | 1.43x | $8.14 Million | $5.71 Million | ▲ +3.1% |
| 2021 | 1.38x | $8.55 Million | $6.19 Million | ▲ +12.4% |
| 2020 | 1.23x | $5.60 Million | $4.56 Million | ▼ -13.9% |
| 2019 | 1.43x | $5.84 Million | $4.09 Million | ▼ -6.6% |
| 2018 | 1.53x | $6.11 Million | $4.00 Million | ▼ -11.4% |
| 2017 | 1.72x | $5.83 Million | $3.38 Million | ▲ +41.2% |
| 2016 | 1.22x | $4.29 Million | $3.52 Million | ▼ -17.8% |
| 2015 | 1.49x | $4.96 Million | $3.34 Million | ▲ +8.0% |
| 2014 | 1.38x | $4.35 Million | $3.16 Million | ▼ -4.3% |
| 2013 | 1.44x | $5.38 Million | $3.74 Million | ▼ -22.8% |
| 2012 | 1.86x | $6.75 Million | $3.63 Million | ▲ +11.4% |
| 2011 | 1.67x | $6.15 Million | $3.68 Million | ▲ +3.8% |
| 2010 | 1.61x | $4.90 Million | $3.04 Million | ▲ +36.6% |
| 2009 | 1.18x | $2.55 Million | $2.16 Million | ▼ -58.6% |
| 2008 | 2.85x | $4.18 Million | $1.47 Million | ▲ +147.6% |
| 2007 | 1.15x | $2.09 Million | $1.82 Million | ▼ -53.5% |
| 2006 | 2.47x | $4.50 Million | $1.82 Million | ▲ +73.4% |
| 2005 | 1.43x | $2.93 Million | $2.05 Million | ▼ -18.7% |
| 2004 | 1.76x | $3.83 Million | $2.18 Million | — |