LSBK (Lake Shore Bancorp) Scaled Net Operating Assets: 0.04 (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
View Full Analysis

What is Lake Shore Bancorp Scaled Net Operating Assets?

Lake Shore Bancorp LSBK +0.12% 63 Scaled Net Operating Assets is 0.04 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Lake Shore Bancorp's operating assets for the quarter that ended in Mar. 2026 was $609.73 Mil. Lake Shore Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $579.63 Mil. Lake Shore Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $727.32 Mil. Therefore, Lake Shore Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

LSBK
63GF Score
Lake Shore Bancorp Inc LSBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Lake Shore Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Lake Shore Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(663.043-585.684)/685.504
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=727.323 - 64.28
=663.043

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=585.684 - 0 - 0
=585.684

Lake Shore Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(609.725-579.633)/727.323
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=722.011 - 112.286
=609.725

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=579.633 - 0 - 0
=579.633

* 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.

What does a Scaled Net Operating Assets of 0.04 mean?
Lake Shore Bancorp (LSBK) has a Scaled Net Operating Assets of 0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Lake Shore Bancorp and its competitors.
Is Lake Shore Bancorp's Scaled Net Operating Assets too high?
Lake Shore Bancorp's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets compare to BBNA and CCNB?
Lake Shore Bancorp's Scaled Net Operating Assets of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Lake Shore Bancorp and its competitors. Lake Shore Bancorp's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Scaled Net Operating Assets is 0.04 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:

  • Scaled Net Operating Assets: 0.04
  • 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

Get the complete analysis for LSBK

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.77
Price
$14.04
GF Value