Lake Shore BancorpLSBK +0.12%63 Dividend Payout Ratio is 0.35 as of Mar. 2026, which is 43% below its 10-year median of 0.61. 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 1,169 Banks companies, Lake Shore Bancorp ranks better than 72.88% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Lake Shore Bancorp's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.35.
The historical rank and industry rank for Lake Shore Bancorp's Dividend Payout Ratio or its related term are showing as below:
LSBK'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23 Med: 0.61 Max: 0.83
Current: 0.23
During the past 13 years, the highest Dividend Payout Ratio of Lake Shore Bancorp was 0.83. The lowest was 0.23. And the median was 0.61.
LSBK's Dividend Payout Ratio is ranked better than 72.88% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs LSBK: 0.23
During the past 12 months, Lake Shore Bancorp's average Dividends Per Share Growth Rate was -62.50% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -19.10% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Lake Shore Bancorp was 88.20% per year. The lowest was -19.10% per year. And the median was 9.10% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Lake Shore Bancorp (NAS:LSBK) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Lake Shore Bancorp Dividend Payout Ratio Related Terms
Lake Shore Bancorp Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Lake Shore Bancorp's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Lake Shore Bancorp's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's Dividend Payout Ratio falls into.
Lake Shore Bancorp Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Lake Shore Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.35 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Lake Shore Bancorp and its competitors. This is 43% below median its historical median of 0.61. Over the past decade, Lake Shore Bancorp's Dividend Payout Ratio has ranged from 0.23 to 0.83. According to the industry distribution chart, Lake Shore Bancorp ranks #317 out of 1169 companies in the Banks industry, placing it in the top 27.1%.
Is Lake Shore Bancorp's Dividend Payout Ratio too high?
Lake Shore Bancorp's current Dividend Payout Ratio of 0.35 is 43% below median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.83. The Banks industry median Dividend Payout Ratio is 0.32. Lake Shore Bancorp's value of 0.35 is 9.4% above this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #317 out of 1169 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 Dividend Payout Ratio compare to BBNA and CCNB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #317 out of 1169 companies for Dividend Payout Ratio. This puts Lake Shore Bancorp in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Lake Shore Bancorp's value of 0.35 is 9.4% above this benchmark. Historically, Lake Shore Bancorp's own Dividend Payout Ratio has ranged from 0.23 to 0.83 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current Dividend Payout Ratio of 0.35 is 9.4% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current Dividend Payout Ratio is 0.35, which is 43% below median its own 10-year median of 0.61. 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 $16.77 — trading 19.4% above its estimated fair value. The current Dividend Payout Ratio is 0.35, which is 43% below median its 10-year median of 0.61 and 9.4% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Dividend Payout Ratio is 0.35 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 $16.77 is trading 19.4% above its estimated GF Value™ of $14.04.
GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.
Key valuation signals for LSBK:
Dividend Payout Ratio: 0.35 (43% below median its 10-year median of 0.61)
GF Value™: $14.04 vs. price of $16.77 (19.4% above fair value)
Industry Position: 9.4% above the Banks median (#317 of 1169)
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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