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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Lake Shore Bancorp's Debt-to-Equity or its related term are showing as below:
LSBK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.31 Max: 0.5
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Lake Shore Bancorp was 0.50. The lowest was 0.01. And the median was 0.31.
LSBK's Debt-to-Equity is ranked better than 99.93% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs LSBK: 0.01
Lake Shore Bancorp (NAS:LSBK) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Lake Shore Bancorp Debt-to-Equity Related Terms
Lake Shore Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Lake Shore Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LSBK vs AFBI, CMRB, CBBI: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Lake Shore Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Lake Shore Bancorp (LSBK) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Lake Shore Bancorp and its competitors. Over the past decade, Lake Shore Bancorp's Debt-to-Equity has ranged from 0.01 to 0.50. According to the industry distribution chart, Lake Shore Bancorp ranks #1 out of 1423 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Lake Shore Bancorp's Debt-to-Equity too high?
Lake Shore Bancorp's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.50. Based on the distribution chart, Lake Shore Bancorp ranks #1 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Lake Shore Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lake Shore Bancorp's Debt-to-Equity compare to AFBI and CMRB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #1 out of 1423 companies for Debt-to-Equity. This places Lake Shore Bancorp in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Historically, Lake Shore Bancorp's own Debt-to-Equity has ranged from 0.01 to 0.50 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current Debt-to-Equity is 0.00. 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 $13.98, compared to a current price of $17.05 — trading 22% above its estimated fair value. The current Debt-to-Equity is 0.00. Lake Shore Bancorp's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Debt-to-Equity is 0.00 as of Mar. 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 $17.05 is trading 22% above its estimated GF Value™ of $13.98.
GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.
Key valuation signals for LSBK:
Debt-to-Equity: 0.00
GF Value™: $13.98 vs. price of $17.05 (22% above fair value)
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.
63GF Score
Get the complete analysis for LSBK
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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