Lake Shore BancorpLSBK +1.01%63 Pretax Margin % is 31.96% as of Mar. 2026, which is 36% above its 10-year median of 23.48. 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 worse than 52.52% on this metric.
The historical rank and industry rank for Lake Shore Bancorp's Pretax Margin % or its related term are showing as below:
LSBK'
s Pretax Margin % Range Over the Past 10 Years
Min: 21.99 Med: 23.48 Max: 33.92
Current: 33.92
LSBK's Pretax Margin % is ranked worse than 52.52% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs LSBK: 33.92
Lake Shore Bancorp (NAS:LSBK) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Lake Shore Bancorp Pretax Margin % Related Terms
Lake Shore Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Lake Shore Bancorp's Pretax 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.
LSBK vs BBNA, CCNB, FMBM: Pretax Margin % Comparison
For the Banks - Regional subindustry, Lake Shore Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's Pretax 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 Pretax Margin % of 31.96% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lake Shore Bancorp and its competitors. This is 36% above median its historical median of 23.48. Over the past decade, Lake Shore Bancorp's Pretax Margin % has ranged from 21.99 to 33.92. According to the industry distribution chart, Lake Shore Bancorp ranks #802 out of 1527 companies in the Banks industry, placing it in the top 52.5%.
Is Lake Shore Bancorp's Pretax Margin % too high?
Lake Shore Bancorp's current Pretax Margin % of 31.96% is 36% above median its 10-year median of 23.48. Over the past 10 years, this metric has ranged from a low of 21.99 to a high of 33.92. The Banks industry median Pretax Margin % is 34.88. Lake Shore Bancorp's value of 31.96% is 8.4% below this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #802 out of 1527 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 Pretax Margin % compare to BBNA and CCNB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #802 out of 1527 companies for Pretax Margin %. This places Lake Shore Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. Lake Shore Bancorp's value of 31.96% is 8.4% below this benchmark. Historically, Lake Shore Bancorp's own Pretax Margin % has ranged from 21.99 to 33.92 over the past decade. While the company's 10-year median is 23.48 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current Pretax Margin % of 31.96% is 8.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current Pretax Margin % is 31.96%, which is 36% above median its own 10-year median of 23.48. 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 Pretax Margin % is 31.96%, which is 36% above median its 10-year median of 23.48 and 8.4% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Pretax Margin % is 31.96% 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:
Pretax Margin %: 31.96% (36% above median its 10-year median of 23.48)
GF Value™: $14.04 vs. price of $16.92 (20.5% above fair value)
Industry Position: 8.4% below the Banks median (#802 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
Get the complete analysis for LSBK
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSBK has been successfully added to your 
