Lake Shore Bancorp (LSBK) Competitors

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

Which has better earnings & valuation, LSBK or KRNY?

Kearny Financial has higher revenue and earnings than Lake Shore Bancorp. Kearny Financial 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	2.61	$4.93M	$0.86	14.78
Kearny Financial	$343.53M	1.14	$26.08M	$0.42	14.40

Does the media favor LSBK or KRNY?

In the previous week, Kearny Financial had 1 more articles in the media than Lake Shore Bancorp. MarketBeat recorded 1 mentions for Kearny Financial and 0 mentions for Lake Shore Bancorp. Kearny Financial's average media sentiment score of 1.79 beat Lake Shore Bancorp's score of 0.00 indicating that Kearny Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Lake Shore Bancorp	Neutral
Kearny Financial	Very Positive

Do insiders & institutionals believe in LSBK or KRNY?

8.8% of Lake Shore Bancorp shares are owned by institutional investors. Comparatively, 71.0% of Kearny Financial shares are owned by institutional investors. 4.1% of Lake Shore Bancorp shares are owned by company insiders. Comparatively, 8.6% of Kearny Financial shares are owned 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 prefer LSBK or KRNY?

Kearny Financial has a consensus price target of $7.75, indicating a potential upside of 28.10%. Given Kearny Financial's stronger consensus rating and higher probable 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
Lake Shore Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Kearny Financial	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Is LSBK or KRNY a better dividend stock?

Lake Shore Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.8%. Kearny Financial pays an annual dividend of $0.44 per share and has a dividend yield of 7.3%. Lake Shore Bancorp pays out 41.9% of its earnings in the form of a dividend. 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.

Which has more risk & volatility, LSBK or KRNY?

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

Is LSBK or KRNY 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
Lake Shore Bancorp	15.08%	6.41%	0.84%
Kearny Financial	7.59%	3.49%	0.34%

Summary

Kearny Financial beats Lake Shore Bancorp on 11 of the 18 factors compared between the two stocks.