LSBK (Lake Shore Bancorp) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


LSBK Lake Shore Bancorp Inc LSBK
63 GF Score
Price $17.81
GF Value $14.03
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Lake Shore Bancorp ROC (Joel Greenblatt) %?

Lake Shore Bancorp LSBK +5.45% 63 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates LSBK with a GF Score™ of 63/100 and a GF Value™ of $14.03 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 47 Banks companies, Lake Shore Bancorp ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

LSBK
63GF Score
Lake Shore Bancorp Inc LSBK
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Lake Shore Bancorp (LSBK) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Lake Shore Bancorp and its competitors. According to the industry distribution chart, Lake Shore Bancorp ranks #999999 out of 47 companies in the Banks industry.
Is Lake Shore Bancorp's ROC (Joel Greenblatt) % too high?
Lake Shore Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Lake Shore Bancorp ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to AFBI and CMRB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places Lake Shore Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 70.66. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 70.66, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 70.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current ROC (Joel Greenblatt) % is %. 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 $14.03, compared to a current price of $17.81 — trading 26.9% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Lake Shore Bancorp's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current ROC (Joel Greenblatt) % is % 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 $17.81 is trading 26.9% above its estimated GF Value™ of $14.03. GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.

Key valuation signals for LSBK:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $14.03 vs. price of $17.81 (26.9% above fair value)
  • GF Score™: 63/100 with 4 warning signs

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 Business Description

Address 31 East Fourth Street, Dunkirk, NY, USA, 14048
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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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.81
Price
$14.03
GF Value