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Lake Shore BancorpLSBK 64 3-Year Book Growth Rate is 8.30% as of Jun. 2026, which is 87% above its 10-year median of 4.45. GuruFocus rates LSBK with a GF Score™ of 64/100 and a GF Value™ of $14.48 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,492 Banks companies, Lake Shore Bancorp ranks worse than 53.82% on this metric.
During the past 12 months, Lake Shore Bancorp's average Book Value per Share Growth Rate was 14.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 3.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Lake Shore Bancorp was 29.20% per year. The lowest was 0.60% per year. And the median was 4.45% per year.
Lake Shore Bancorp (NAS:LSBK) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Lake Shore Bancorp 3-Year Book Growth Rate Related Terms
LSBK vs FFDF, CMRB, CHBH: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Lake Shore Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lake Shore Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's 3-Year Book Growth Rate falls into.
Lake Shore Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 8.30% mean?
Lake Shore Bancorp (LSBK) has a 3-Year Book Growth Rate of 8.30% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Lake Shore Bancorp and its competitors. This is 87% above median its historical median of 4.45. Over the past decade, Lake Shore Bancorp's 3-Year Book Growth Rate has ranged from 0.60 to 29.20. According to the industry distribution chart, Lake Shore Bancorp ranks #803 out of 1492 companies in the Banks industry, placing it in the top 53.8%.
Is Lake Shore Bancorp's 3-Year Book Growth Rate too high?
Lake Shore Bancorp's current 3-Year Book Growth Rate of 8.30% is 87% above median its 10-year median of 4.45. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 29.20. The Banks industry median 3-Year Book Growth Rate is 8.80. Lake Shore Bancorp's value of 8.30% is 5.7% below this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #803 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Lake Shore Bancorp has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lake Shore Bancorp's 3-Year Book Growth Rate compare to FFDF and CMRB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #803 out of 1492 companies for 3-Year Book Growth Rate. This places Lake Shore Bancorp in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Lake Shore Bancorp's value of 8.30% is 5.7% below this benchmark. Historically, Lake Shore Bancorp's own 3-Year Book Growth Rate has ranged from 0.60 to 29.20 over the past decade. While the company's 10-year median is 4.45 vs. the industry median of 8.80, Lake Shore Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current 3-Year Book Growth Rate of 8.30% is 5.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Lake Shore Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current 3-Year Book Growth Rate is 8.30%, which is 87% above median its own 10-year median of 4.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lake Shore Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Lake Shore Bancorp (LSBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.48, compared to a current price of $17.24 — trading 19.1% above its estimated fair value. The current 3-Year Book Growth Rate is 8.30%, which is 87% above median its 10-year median of 4.45 and 5.7% below the Banks industry median of 8.80. Lake Shore Bancorp's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current 3-Year Book Growth Rate is 8.30% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Lake Shore Bancorp (LSBK) Overvalued in 2026?
Based on GuruFocus' analysis, Lake Shore Bancorp stock appears to be overvalued.
The current stock price of $17.24 is trading 19.1% above its estimated GF Value™ of $14.48.
GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.
Key valuation signals for LSBK:
3-Year Book Growth Rate: 8.30% (87% above median its 10-year median of 4.45)
GF Value™: $14.48 vs. price of $17.24 (19.1% above fair value)
Industry Position: 5.7% below the Banks median (#803 of 1492)
No single metric tells the full story. See the LSBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lake Shore Bancorp Inc operates as a savings and loan holding company. The bank's business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, in commercial real estate loans, one-to-four family residential mortgage loans, home equity lines of credit, and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its revenues are principally derived from interest earned on loans and investment securities.
64GF Score
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