Lake Shore BancorpLSBK +1.01%63 Net Margin % is 26.12% as of Mar. 2026, which is 32% above its 10-year median of 19.74. 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 1,527 Banks companies, Lake Shore Bancorp ranks better than 54.49% on this metric.
The historical rank and industry rank for Lake Shore Bancorp's Net Margin % or its related term are showing as below:
LSBK'
s Net Margin % Range Over the Past 10 Years
Min: 17.38 Med: 19.74 Max: 28.04
Current: 28.04
LSBK's Net Margin % is ranked better than 54.49% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs LSBK: 28.04
Lake Shore Bancorp (NAS:LSBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Lake Shore Bancorp Net Margin % Related Terms
Lake Shore Bancorp Net Margin % Historical Data
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The historical data trend for Lake Shore Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's Net 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 Net Margin % of 26.12% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Lake Shore Bancorp and its competitors. This is 32% above median its historical median of 19.74. Over the past decade, Lake Shore Bancorp's Net Margin % has ranged from 17.38 to 28.04. According to the industry distribution chart, Lake Shore Bancorp ranks #695 out of 1527 companies in the Banks industry, placing it in the top 45.5%.
Is Lake Shore Bancorp's Net Margin % too high?
Lake Shore Bancorp's current Net Margin % of 26.12% is 32% above median its 10-year median of 19.74. Over the past 10 years, this metric has ranged from a low of 17.38 to a high of 28.04. The Banks industry median Net Margin % is 26.95. Lake Shore Bancorp's value of 26.12% is 3.1% below this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #695 out of 1527 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 Net Margin % compare to BBNA and CCNB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #695 out of 1527 companies for Net Margin %. This puts Lake Shore Bancorp in the upper half of its industry. The industry median Net Margin % is 26.95. Lake Shore Bancorp's value of 26.12% is 3.1% below this benchmark. Historically, Lake Shore Bancorp's own Net Margin % has ranged from 17.38 to 28.04 over the past decade. While the company's 10-year median is 19.74 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current Net Margin % of 26.12% is 3.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current Net Margin % is 26.12%, which is 32% above median its own 10-year median of 19.74. 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 Net Margin % is 26.12%, which is 32% above median its 10-year median of 19.74 and 3.1% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Net Margin % is 26.12% 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:
Net Margin %: 26.12% (32% above median its 10-year median of 19.74)
GF Value™: $14.04 vs. price of $16.92 (20.5% above fair value)
Industry Position: 3.1% below the Banks median (#695 of 1527)
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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