Lake Shore BancorpLSBK +1.01%63 FCF Margin % is 37.78% as of Mar. 2026, which is 64% above its 10-year median of 23.01. GuruFocus rates LSBK with a GF Score™ of 63/100 and a GF Value™ of $14.04 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, Lake Shore Bancorp ranks better than 61.46% on this metric.
The historical rank and industry rank for Lake Shore Bancorp's FCF Margin % or its related term are showing as below:
LSBK'
s FCF Margin % Range Over the Past 10 Years
Min: 10.29 Med: 23.01 Max: 33.27
Current: 33.27
During the past 13 years, the highest FCF Margin % of Lake Shore Bancorp was 33.27%. The lowest was 10.29%. And the median was 23.01%.
LSBK's FCF Margin % is ranked better than 61.46% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs LSBK: 33.27
Lake Shore Bancorp FCF Margin % Related Terms
Lake Shore Bancorp FCF Margin % Historical Data
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The historical data trend for Lake Shore Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Lake Shore Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's FCF Margin % 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 FCF Margin % of 37.78% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lake Shore Bancorp and its competitors. This is 64% above median its historical median of 23.01. Over the past decade, Lake Shore Bancorp's FCF Margin % has ranged from 10.29 to 33.27. According to the industry distribution chart, Lake Shore Bancorp ranks #580 out of 1505 companies in the Banks industry, placing it in the top 38.5%.
Is Lake Shore Bancorp's FCF Margin % too high?
Lake Shore Bancorp's current FCF Margin % of 37.78% is 64% above median its 10-year median of 23.01. Over the past 10 years, this metric has ranged from a low of 10.29 to a high of 33.27. The Banks industry median FCF Margin % is 26.42. Lake Shore Bancorp's value of 37.78% is 43% above this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #580 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to BBNA and CCNB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #580 out of 1505 companies for FCF Margin %. This puts Lake Shore Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.42. Lake Shore Bancorp's value of 37.78% is 43% above this benchmark. Historically, Lake Shore Bancorp's own FCF Margin % has ranged from 10.29 to 33.27 over the past decade. While the company's 10-year median is 23.01 vs. the industry median of 26.42, Lake Shore Bancorp has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current FCF Margin % of 37.78% is 43% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current FCF Margin % is 37.78%, which is 64% above median its own 10-year median of 23.01. 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 $14.04, compared to a current price of $16.92 — trading 20.5% above its estimated fair value. The current FCF Margin % is 37.78%, which is 64% above median its 10-year median of 23.01 and 43% above the Banks industry median of 26.42. Lake Shore Bancorp's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current FCF Margin % is 37.78% 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 $16.92 is trading 20.5% above its estimated GF Value™ of $14.04.
GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.
Key valuation signals for LSBK:
FCF Margin %: 37.78% (64% above median its 10-year median of 23.01)
GF Value™: $14.04 vs. price of $16.92 (20.5% above fair value)
Industry Position: 43% above the Banks median (#580 of 1505)
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
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