Lake Shore BancorpLSBK +1.01%63 Median PS Value is $16.05 as of Jun. 24, 2026, which is 1645% above its 10-year median of 0.92. 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 1,043 Banks companies, Lake Shore Bancorp ranks better than 55.99% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Lake Shore Bancorp's Median PS Value or its related term are showing as below:
LSBK'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.51 Med: 0.92 Max: 1.33
Current: 1.05
During the past 13 years, the highest Price to Median PS Value of Lake Shore Bancorp was 1.33. The lowest was 0.51. And the median was 0.92.
LSBK's Price-to-Median-PS-Value is ranked better than 55.99% of 1043
companies
in the Banks industry
Industry Median: 1.09
vs LSBK: 1.05
Lake Shore Bancorp (NAS:LSBK) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Lake Shore Bancorp's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
16.92
/
16.05
=
1.05
* 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 Median PS Value Related Terms
Lake Shore Bancorp Median PS Value Historical Data
* Premium members only.
The historical data trend for Lake Shore Bancorp's Median PS Value 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 BBNA, CCNB, FMBM: Median PS Value Comparison
For the Banks - Regional subindustry, Lake Shore Bancorp's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.8042.
Lake Shore Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.219.
* 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 Median PS Value of $16.05 as of Jun. 24, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Lake Shore Bancorp and its competitors. This is 1645% above median its historical median of 0.92. Over the past decade, Lake Shore Bancorp's Median PS Value has ranged from 0.51 to 1.33. According to the industry distribution chart, Lake Shore Bancorp ranks #459 out of 1043 companies in the Banks industry, placing it in the top 44%.
Is Lake Shore Bancorp's Median PS Value too high?
Lake Shore Bancorp's current Median PS Value of $16.05 is 1645% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.33. The Banks industry median Median PS Value is 1.09. Lake Shore Bancorp's value of $16.05 is 1372.5% above this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #459 out of 1043 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 Median PS Value compare to BBNA and CCNB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #459 out of 1043 companies for Median PS Value. This puts Lake Shore Bancorp in the upper half of its industry. The industry median Median PS Value is 1.09. Lake Shore Bancorp's value of $16.05 is 1372.5% above this benchmark. Historically, Lake Shore Bancorp's own Median PS Value has ranged from 0.51 to 1.33 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.09, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.09, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current Median PS Value of $16.05 is 1372.5% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median Median PS Value is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current Median PS Value is $16.05, which is 1645% above median its own 10-year median of 0.92. 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 Median PS Value is $16.05, which is 1645% above median its 10-year median of 0.92 and 1372.5% above the Banks industry median of 1.09. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Median PS Value is $16.05 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:
Median PS Value: $16.05 (1645% above median its 10-year median of 0.92)
GF Value™: $14.04 vs. price of $16.92 (20.5% above fair value)
Industry Position: 1372.5% above the Banks median (#459 of 1043)
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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