Lake Shore BancorpLSBK +1.01%63 FCF Yield % is 7.26 as of Jun. 24, 2026, which is 19% above its 10-year median of 6.11. 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 worse than 54.09% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Lake Shore Bancorp FCF Yield % Related Terms
Lake Shore Bancorp FCF Yield % Historical Data
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The historical data trend for Lake Shore Bancorp's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's FCF Yield % 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 Yield % of 7.26 as of Jun. 24, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Lake Shore Bancorp and its competitors. This is 19% above median its historical median of 6.11. Over the past decade, Lake Shore Bancorp's FCF Yield % has ranged from 0.63 to 13.72. According to the industry distribution chart, Lake Shore Bancorp ranks #814 out of 1505 companies in the Banks industry, placing it in the top 54.1%.
Is Lake Shore Bancorp's FCF Yield % too high?
Lake Shore Bancorp's current FCF Yield % of 7.26 is 19% above median its 10-year median of 6.11. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 13.72. The Banks industry median FCF Yield % is 8.26. Lake Shore Bancorp's value of 7.26 is 12.1% below this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #814 out of 1505 companies in the Banks industry, which is below 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 Yield % compare to BBNA and CCNB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #814 out of 1505 companies for FCF Yield %. This places Lake Shore Bancorp in the lower half of its industry. The industry median FCF Yield % is 8.26. Lake Shore Bancorp's value of 7.26 is 12.1% below this benchmark. Historically, Lake Shore Bancorp's own FCF Yield % has ranged from 0.63 to 13.72 over the past decade. While the company's 10-year median is 6.11 vs. the industry median of 8.26, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.26, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current FCF Yield % of 7.26 is 12.1% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current FCF Yield % is 7.26, which is 19% above median its own 10-year median of 6.11. 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 Yield % is 7.26, which is 19% above median its 10-year median of 6.11 and 12.1% below the Banks industry median of 8.26. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current FCF Yield % is 7.26 as of Jun. 24, 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 Yield %: 7.26 (19% above median its 10-year median of 6.11)
GF Value™: $14.04 vs. price of $16.92 (20.5% above fair value)
Industry Position: 12.1% below the Banks median (#814 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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