Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Lake Shore BancorpLSBK -0.06%64 Shiller PE Ratio is 18.24 as of Aug. 17, 2026, which is 6% below its 10-year median of 19.35. GuruFocus rates LSBK with a GF Score™ of 64/100 and a GF Value™ of $14.50 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,240 Banks companies, Lake Shore Bancorp ranks worse than 72.82% on this metric.
The historical rank and industry rank for Lake Shore Bancorp's Shiller PE Ratio or its related term are showing as below:
LSBK'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.34 Med: 19.35 Max: 30.6
Current: 18.24
During the past years, Lake Shore Bancorp's highest Shiller PE Ratio was 30.60. The lowest was 11.34. And the median was 19.35.
LSBK's Shiller PE Ratio is ranked worse than 72.82% of 1240
companies
in the Banks industry
Industry Median: 14.015
vs LSBK: 18.24
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Lake Shore Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.290. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $0.94 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Lake Shore Bancorp (NAS:LSBK) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Lake Shore Bancorp Shiller PE Ratio Related Terms
Lake Shore Bancorp Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Lake Shore Bancorp's Shiller PE 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 FFDF, CMRB, CHBH: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Lake Shore Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Lake Shore Bancorp (LSBK) has a Shiller PE Ratio of 18.24 as of Aug. 17, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Lake Shore Bancorp and its competitors. This is near median its historical median of 19.35. Over the past decade, Lake Shore Bancorp's Shiller PE Ratio has ranged from 11.34 to 30.60. According to the industry distribution chart, Lake Shore Bancorp ranks #903 out of 1240 companies in the Banks industry, placing it in the top 72.8%.
Is Lake Shore Bancorp's Shiller PE Ratio too high?
Lake Shore Bancorp's current Shiller PE Ratio of 18.24 is near median its 10-year median of 19.35. Over the past 10 years, this metric has ranged from a low of 11.34 to a high of 30.60. The Banks industry median Shiller PE Ratio is 14.02. Lake Shore Bancorp's value of 18.24 is 30.1% above this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #903 out of 1240 companies in the Banks industry, which is below the industry midpoint. Overall, Lake Shore Bancorp has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lake Shore Bancorp's Shiller PE Ratio compare to FFDF and CMRB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #903 out of 1240 companies for Shiller PE Ratio. This places Lake Shore Bancorp in the lower half of its industry. The industry median Shiller PE Ratio is 14.02. Lake Shore Bancorp's value of 18.24 is 30.1% above this benchmark. Historically, Lake Shore Bancorp's own Shiller PE Ratio has ranged from 11.34 to 30.60 over the past decade. While the company's 10-year median is 19.35 vs. the industry median of 14.02, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 14.02, based on 1,240 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current Shiller PE Ratio of 18.24 is 30.1% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median Shiller PE Ratio is 14.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current Shiller PE Ratio is 18.24, which is near median its own 10-year median of 19.35. 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 $14.50, compared to a current price of $17.15 — trading 18.3% above its estimated fair value. The current Shiller PE Ratio is 18.24, which is near median its 10-year median of 19.35 and 30.1% above the Banks industry median of 14.02. Lake Shore Bancorp's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Shiller PE Ratio is 18.24 as of Aug. 17, 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 $17.15 is trading 18.3% above its estimated GF Value™ of $14.50.
GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.
Key valuation signals for LSBK:
Shiller PE Ratio: 18.24 (near median its 10-year median of 19.35)
GF Value™: $14.50 vs. price of $17.15 (18.3% above fair value)
Industry Position: 30.1% above the Banks median (#903 of 1240)
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.
64GF Score
Get the complete analysis for LSBK
Shiller PE Ratio 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 
