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


LSBK Lake Shore Bancorp Inc LSBK
63 GF Score
Price $16.77
GF Value $14.04
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Lake Shore Bancorp ROC %?

Lake Shore Bancorp LSBK +0.12% 63 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

LSBK
63GF Score
Lake Shore Bancorp Inc LSBK
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Lake Shore Bancorp (LSBK) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Lake Shore Bancorp and its competitors.
Is Lake Shore Bancorp's ROC % too high?
Lake Shore Bancorp's current ROC % is %. 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 % compare to BBNA and CCNB?
Lake Shore Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current ROC % 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 $14.04, compared to a current price of $16.77 — trading 19.4% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current ROC % 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 $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:

  • ROC %: %
  • GF Value™: $14.04 vs. price of $16.77 (19.4% above fair value)
  • GF Score™: 63/100 with 3 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 % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.77
Price
$14.04
GF Value