Lake Shore Bancorp (LSBK) Competitors

Kearny Financial (NASDAQ:KRNY) and Lake Shore Bancorp (NASDAQ:LSBK) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, earnings, risk, dividends, media sentiment, valuation, analyst recommendations and profitability.

Does the media favor KRNY or LSBK?

In the previous week, Kearny Financial and Kearny Financial both had 1 articles in the media. Kearny Financial's average media sentiment score of 0.45 beat Lake Shore Bancorp's score of 0.00 indicating that Kearny Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Kearny Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Lake Shore Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is KRNY or LSBK more profitable?

Lake Shore Bancorp has a net margin of 15.08% compared to Kearny Financial's net margin of 7.59%. Lake Shore Bancorp's return on equity of 6.41% beat Kearny Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Kearny Financial	7.59%	3.49%	0.34%
Lake Shore Bancorp	15.08%	6.41%	0.84%

Do analysts rate KRNY or LSBK?

Kearny Financial currently has a consensus target price of $7.75, indicating a potential upside of 17.87%. Given Kearny Financial's stronger consensus rating and higher possible upside, analysts clearly believe Kearny Financial is more favorable than Lake Shore Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Kearny Financial	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Lake Shore Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is KRNY or LSBK a better dividend stock?

Kearny Financial pays an annual dividend of $0.44 per share and has a dividend yield of 6.7%. Lake Shore Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.8%. Kearny Financial pays out 104.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Lake Shore Bancorp pays out 41.9% of its earnings in the form of a dividend.

Which has higher earnings and valuation, KRNY or LSBK?

Kearny Financial has higher revenue and earnings than Lake Shore Bancorp. Lake Shore Bancorp is trading at a lower price-to-earnings ratio than Kearny Financial, 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
Kearny Financial	$343.53M	1.24	$26.08M	$0.42	15.65
Lake Shore Bancorp	$38.11M	2.69	$4.93M	$0.86	15.22

Do institutionals & insiders hold more shares of KRNY or LSBK?

71.0% of Kearny Financial shares are owned by institutional investors. Comparatively, 8.8% of Lake Shore Bancorp shares are owned by institutional investors. 8.6% of Kearny Financial shares are owned by company insiders. Comparatively, 4.1% of Lake Shore Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Which has more risk & volatility, KRNY or LSBK?

Kearny Financial has a beta of 0.73, indicating that its share price is 27% less volatile than the S&P 500. Comparatively, Lake Shore Bancorp has a beta of 0.3, indicating that its share price is 70% less volatile than the S&P 500.

Summary

Kearny Financial beats Lake Shore Bancorp on 11 of the 17 factors compared between the two stocks.