Lake Shore Bancorp (LSBK) Competitors

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

Which has more risk and volatility, LSBK or FMAO?

Lake Shore Bancorp has a beta of 0.54, indicating that its share price is 46% less volatile than the S&P 500. Comparatively, Farmers & Merchants Bancorp has a beta of 0.75, indicating that its share price is 25% less volatile than the S&P 500.

Is LSBK or FMAO more profitable?

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 Bancorp	12.94%	5.62%	0.70%
Farmers & Merchants Bancorp	14.48%	7.97%	0.78%

Does the MarketBeat Community favor LSBK or FMAO?

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.

Company	Underperform	Outperform
Lake Shore Bancorp	Outperform Votes 83 64.34%	Underperform Votes 46 35.66%
Farmers & Merchants Bancorp	Outperform Votes 193 57.61%	Underperform Votes 142 42.39%

Do institutionals & insiders believe in LSBK or FMAO?

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 hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Do analysts rate LSBK or FMAO?

Farmers & Merchants Bancorp has a consensus target price of $26.00, indicating a potential upside of 7.00%. Given Farmers & Merchants Bancorp's stronger consensus rating and higher probable 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

Is LSBK or FMAO a better dividend stock?

Lake Shore Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 4.8%. Farmers & Merchants Bancorp pays an annual dividend of $0.88 per share and has a dividend yield of 3.6%. 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 46.3% of its earnings in the form of a dividend. Farmers & Merchants Bancorp has increased its dividend for 19 consecutive years.

Which has better earnings & valuation, LSBK or FMAO?

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Lake Shore Bancorp	$38.11M	2.25	$4.93M	$0.86	17.35
Farmers & Merchants Bancorp	$98.90M	3.37	$25.94M	$1.90	12.79

Does the media favor LSBK or FMAO?

In the previous week, Farmers & Merchants Bancorp had 1 more articles in the media than Lake Shore Bancorp. MarketBeat recorded 7 mentions for Farmers & Merchants Bancorp and 6 mentions for Lake Shore Bancorp. Farmers & Merchants Bancorp's average media sentiment score of 1.07 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	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Lake Shore Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Farmers & Merchants Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

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