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Lake Shore Bancorp (LSBK) Competitors

Lake Shore Bancorp logo

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

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), Waterstone Financial (WSBF), Sterling Bancorp (SBT), Western New England Bancorp (WNEB), BV Financial (BVFL), First Savings Financial Group (FSFG), BCB Bancorp (BCBP), Citizens Community Bancorp (CZWI), and Sound Financial Bancorp (SFBC). 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 contrast the two companies based on the strength of their media sentiment, profitability, institutional ownership, dividends, risk, earnings, analyst recommendations, valuation and community ranking.

Lake Shore Bancorp pays an annual dividend of $0.72 per share and has a dividend yield of 4.5%. 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 46.3% of its earnings in the form of a dividend. Farmers & Merchants Bancorp has increased its dividend for 19 consecutive years.

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%

In the previous week, Farmers & Merchants Bancorp had 3 more articles in the media than Lake Shore Bancorp. MarketBeat recorded 5 mentions for Farmers & Merchants Bancorp and 2 mentions for Lake Shore Bancorp. Farmers & Merchants Bancorp's average media sentiment score of 1.03 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$38.11M2.38$4.93M$0.8618.40
Farmers & Merchants Bancorp$98.90M3.31$25.94M$1.9012.58

Farmers & Merchants Bancorp has a consensus target price of $24.00, indicating a potential upside of 0.38%. 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)
2 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

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

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%

Lake Shore Bancorp has a beta of 0.54, meaning that its share price is 46% less volatile than the S&P 500. Comparatively, Farmers & Merchants Bancorp has a beta of 0.67, meaning that its share price is 33% 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.

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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.
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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.
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LSBK vs. The Competition

MetricLake Shore BancorpFederal savings institutions IndustryFinance SectorNASDAQ Exchange
Market Cap$91.76M$3.09B$11.31B$7.80B
Dividend Yield4.50%3.51%5.39%4.03%
P/E Ratio18.5915.9122.6018.68
Price / Sales2.383.6625.5889.74
Price / Cash14.5919.1117.6134.64
Price / Book1.040.902.674.12
Net Income$4.93M$352.78M$1.03B$247.10M

Lake Shore Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
LSBK
Lake Shore Bancorp
1.0854 of 5 stars
$15.83
+18.0%
N/A+37.8%$91.76M$38.11M18.59115Short Interest ↓
Gap Up
FMAO
Farmers & Merchants Bancorp
2.0749 of 5 stars
$24.29
+0.2%
$24.00
-1.2%
+8.3%$332.77M$98.90M12.78430Dividend Announcement
Positive News
PDLB
Ponce Financial Group
1.259 of 5 stars
$12.76
-0.3%
N/A+42.8%$305.81M$81.14M27.15250Positive News
WSBF
Waterstone Financial
2.8125 of 5 stars
$13.72
+1.9%
N/A+10.6%$265.07M$132.38M13.58740Analyst Downgrade
SBT
Sterling Bancorp
0.3731 of 5 stars
$4.86
+1.3%
N/A-5.4%$254.17M$57.53M97.22N/APositive News
WNEB
Western New England Bancorp
3.094 of 5 stars
$9.33
+2.0%
$8.50
-8.9%
+21.1%$193.58M$72.73M16.66360Short Interest ↑
BVFL
BV Financial
1.2665 of 5 stars
$15.61
+0.1%
N/A+47.7%$181.05M$37.70M14.32112Short Interest ↑
News Coverage
FSFG
First Savings Financial Group
3.9018 of 5 stars
$25.19
-3.2%
$27.33
+8.5%
+53.0%$174.19M$75.10M9.19470Positive News
BCBP
BCB Bancorp
4.1241 of 5 stars
$10.10
-0.3%
$13.38
+32.4%
-4.8%$173.35M$94.96M10.31290Short Interest ↑
CZWI
Citizens Community Bancorp
3.9279 of 5 stars
$14.69
+0.9%
N/A+18.3%$146.75M$56.29M11.05220Positive News
SFBC
Sound Financial Bancorp
1.302 of 5 stars
$51.00
-0.6%
N/A+27.5%$130.76M$35.69M28.33140Positive News
Gap Down
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This page (NASDAQ:LSBK) was last updated on 3/31/2025 by MarketBeat.com Staff
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