LSBK (Lake Shore Bancorp) Total Payout Yield %: -31.03 (As of Jul. 01, 2026)


LSBK Lake Shore Bancorp Inc LSBK
63 GF Score
Price $17.81
GF Value $14.02
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Lake Shore Bancorp Total Payout Yield %?

Lake Shore Bancorp LSBK +5.45% 63 Total Payout Yield % is -31.03 as of Jul. 01, 2026. GuruFocus rates LSBK with a GF Score™ of 63/100 and a GF Value™ of $14.02 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Total Payout Yield % is the percent a company has paid to its shareholders through net repurchases of shares and dividends based on its Market Cap. It is a measure of shareholder return.

Lake Shore Bancorp's current Total Payout Yield % is -31.03%.


Lake Shore Bancorp Total Payout Yield % Explanation

Similar to Dividend Yield, Total Payout Yield % is a measurement of shareholder return. Dividends is not the only way that companies are able to distribute their excess cash back to the shareholders. The other way to distribute the cash is a stock repurchase. The stock repurchase buys back the company's own shares from the marketplace. This results in a reduced number of oustanding shares, making each share worth a greater percentage of the corporation.


Lake Shore Bancorp Total Payout Yield % Related Terms


Lake Shore Bancorp Total Payout Yield % Historical Data

* Premium members only.

The historical data trend for Lake Shore Bancorp's Total Payout Yield % 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.

Lake Shore Bancorp Total Payout Yield % Chart

Lake Shore Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.94 2.21 0.09 1.44 -36.13

Lake Shore Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Payout Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.74 0.07 -179.22 2.29 2.33

LSBK vs AFBI, CMRB, CBBI: Total Payout Yield % Comparison

For the Banks - Regional subindustry, Lake Shore Bancorp's Total Payout Yield %, along with its competitors' market caps and Total Payout Yield % 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 Total Payout Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Lake Shore Bancorp's Total Payout Yield % distribution charts can be found below:

* The bar in red indicates where Lake Shore Bancorp's Total Payout Yield % falls into.


LSBK
63GF Score
Lake Shore Bancorp Inc LSBK
Total Payout Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Lake Shore Bancorp Total Payout Yield % Calculation

Total Payout Yield % is a measure of shareholder return.

Lake Shore Bancorp's Total Payout Yield % for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Yield %=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Market Cap
=- (-0.053 + 43.239 + -1.676) / 114.87576
=-36.13%

Lake Shore Bancorp's annualized Total Payout Yield % for the quarter that ended in Mar. 2026 is calculated as

Total Payout Yield %=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) * Annualized Factor / Market Cap
=- (-0.032 + 0 + -0.662) * 4 / 119.36034
=2.33%

* 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.

Frequently Asked Questions Learn more about Total Payout Yield % →
What does a Total Payout Yield % of -31.03 mean?
Lake Shore Bancorp (LSBK) has a Total Payout Yield % of -31.03 as of Jul. 01, 2026. Total Payout Yield is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Market Cap. View historical data on Lake Shore Bancorp and its competitors.
Is Lake Shore Bancorp's Total Payout Yield % too high?
Lake Shore Bancorp's current Total Payout Yield % is -31.03. 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 Total Payout Yield % compare to AFBI and CMRB?
Lake Shore Bancorp's Total Payout Yield % of -31.03 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 Total Payout Yield % for a Banks company?
A good Total Payout Yield % depends on the Banks industry context. However, Total Payout Yield % 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 Total Payout Yield % mean?
A high Total Payout Yield % can signal that a stock is expensive relative to its fundamentals. Total Payout Yield is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Market Cap. View historical data on Lake Shore Bancorp and its competitors. Lake Shore Bancorp's current Total Payout Yield % is -31.03. 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 $14.02, compared to a current price of $17.81 — trading 27% above its estimated fair value. The current Total Payout Yield % is -31.03. 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 Total Payout Yield % calculated?
Total Payout Yield % is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current Total Payout Yield % is -31.03 as of Jul. 01, 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 27% above its estimated GF Value™ of $14.02. GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.

Key valuation signals for LSBK:

  • Total Payout Yield %: -31.03
  • GF Value™: $14.02 vs. price of $17.81 (27% 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

Get the complete analysis for LSBK

Total Payout Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.81
Price
$14.02
GF Value