Free Trial

This company has been marked as potentially delisted and may not be actively trading.

Lake Shore Bancorp (LSBK) Competitors

Lake Shore Bancorp logo

LSBK vs. FMAO, PDLB, SBT, WSBF, WNEB, FSFG, BVFL, FCAP, CZWI, and BCBP

Should you be buying Lake Shore Bancorp stock or one of its competitors? The main competitors of Lake Shore Bancorp include Farmers & Merchants Bancorp (FMAO), Ponce Financial Group (PDLB), Sterling Bancorp (SBT), Waterstone Financial (WSBF), Western New England Bancorp (WNEB), First Savings Financial Group (FSFG), BV Financial (BVFL), First Capital (FCAP), Citizens Community Bancorp (CZWI), and BCB Bancorp (BCBP). These companies are all part of the "federal savings institutions" industry.

Lake Shore Bancorp vs.

Lake Shore Bancorp (NASDAQ:LSBK) and Farmers & Merchants Bancorp (NASDAQ:FMAO) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, institutional ownership, risk, analyst recommendations, profitability, earnings, valuation, community ranking and media sentiment.

Farmers & Merchants Bancorp received 110 more outperform votes than Lake Shore Bancorp when rated by MarketBeat users. However, 64.34% of users gave Lake Shore Bancorp an outperform vote while only 57.61% of users gave Farmers & Merchants Bancorp an outperform vote.

CompanyUnderperformOutperform
Lake Shore BancorpOutperform Votes
83
64.34%
Underperform Votes
46
35.66%
Farmers & Merchants BancorpOutperform Votes
193
57.61%
Underperform Votes
142
42.39%

Farmers & Merchants Bancorp has a consensus price target of $26.00, suggesting a potential upside of 9.43%. Given Farmers & Merchants Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe Farmers & Merchants Bancorp is more favorable than Lake Shore Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lake Shore Bancorp
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00
Farmers & Merchants Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Farmers & Merchants Bancorp has a net margin of 14.48% compared to Lake Shore Bancorp's net margin of 12.94%. Farmers & Merchants Bancorp's return on equity of 7.97% beat Lake Shore Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Lake Shore Bancorp12.94% 5.62% 0.70%
Farmers & Merchants Bancorp 14.48%7.97%0.78%

8.8% of Lake Shore Bancorp shares are held by institutional investors. Comparatively, 24.0% of Farmers & Merchants Bancorp shares are held by institutional investors. 3.8% of Lake Shore Bancorp shares are held by company insiders. Comparatively, 7.3% of Farmers & Merchants Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Lake Shore Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 4.7%. Farmers & Merchants Bancorp pays an annual dividend of $0.88 per share and has a dividend yield of 3.7%. Lake Shore Bancorp pays out 83.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Farmers & Merchants Bancorp pays out 43.6% of its earnings in the form of a dividend. Farmers & Merchants Bancorp has increased its dividend for 19 consecutive years.

In the previous week, Farmers & Merchants Bancorp had 3 more articles in the media than Lake Shore Bancorp. MarketBeat recorded 3 mentions for Farmers & Merchants Bancorp and 0 mentions for Lake Shore Bancorp. Farmers & Merchants Bancorp's average media sentiment score of 0.94 beat Lake Shore Bancorp's score of 0.00 indicating that Farmers & Merchants Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Lake Shore Bancorp Neutral
Farmers & Merchants Bancorp Positive

Farmers & Merchants Bancorp has higher revenue and earnings than Lake Shore Bancorp. Farmers & Merchants Bancorp is trading at a lower price-to-earnings ratio than Lake Shore Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Lake Shore Bancorp$38.11M2.30$4.93M$0.8617.75
Farmers & Merchants Bancorp$102.89M3.17$25.94M$2.0211.76

Lake Shore Bancorp has a beta of 0.54, meaning that its stock price is 46% less volatile than the S&P 500. Comparatively, Farmers & Merchants Bancorp has a beta of 0.88, meaning that its stock price is 12% less volatile than the S&P 500.

Summary

Farmers & Merchants Bancorp beats Lake Shore Bancorp on 17 of the 20 factors compared between the two stocks.

Get Lake Shore Bancorp News Delivered to You Automatically

Sign up to receive the latest news and ratings for LSBK and its competitors with MarketBeat's FREE daily newsletter.

New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
Skip Chart

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
Skip Chart

LSBK vs. The Competition

MetricLake Shore BancorpFederal savings institutions IndustryFinance SectorNASDAQ Exchange
Market Cap$91.76M$3.17B$11.47B$8.39B
Dividend Yield4.50%3.32%5.45%4.10%
P/E Ratio17.7516.0022.4219.70
Price / Sales2.303.6327.62121.79
Price / Cash14.5919.1117.6234.62
Price / Book1.010.932.774.50
Net Income$4.93M$352.78M$1.03B$248.22M

Lake Shore Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
LSBK
Lake Shore Bancorp
0.7214 of 5 stars
$15.27
+13.8%
N/A+22.2%$91.76M$38.11M17.75115Gap Up
FMAO
Farmers & Merchants Bancorp
2.0513 of 5 stars
$25.55
+2.0%
$26.00
+1.8%
+6.5%$343.50M$102.89M13.45430
PDLB
Ponce Financial Group
0.4525 of 5 stars
$13.75
+1.5%
N/A+42.2%$329.79M$85.54M29.26250
SBT
Sterling Bancorp
N/A$4.84
flat
N/AN/A$253.13M$57.53M96.82N/A
WSBF
Waterstone Financial
1.8864 of 5 stars
$12.44
+0.5%
N/A-1.0%$240.34M$129.79M12.32600
WNEB
Western New England Bancorp
3.5706 of 5 stars
$9.64
+0.3%
$8.50
-11.8%
+33.9%$199.99M$72.99M17.21360Positive News
FSFG
First Savings Financial Group
4.3859 of 5 stars
$27.90
+1.3%
$32.33
+15.9%
+60.4%$192.93M$76.80M10.18470Positive News
High Trading Volume
BVFL
BV Financial
1.6522 of 5 stars
$15.80
+0.3%
N/A+46.2%$167.39M$38.33M14.50112
FCAP
First Capital
0.7228 of 5 stars
$47.68
+0.4%
N/A+57.5%$159.97M$43.45M13.36220
CZWI
Citizens Community Bancorp
3.6997 of 5 stars
$14.83
flat
N/A+32.6%$148.15M$55.30M11.15220News Coverage
Analyst Downgrade
BCBP
BCB Bancorp
4.0748 of 5 stars
$8.48
+2.2%
$11.75
+38.6%
-23.9%$145.54M$93.51M8.65290Positive News

Related Companies and Tools


This page (NASDAQ:LSBK) was last updated on 5/23/2025 by MarketBeat.com Staff
From Our Partners