Lake Shore BancorpLSBK -4.00%63 5-Year Yield-on-Cost % is 2.14 as of Jul. 04, 2026, which is 30% below its 10-year median of 3.07. GuruFocus rates LSBK with a GF Score™ of 63/100 and a GF Value™ of $14.01 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,251 Banks companies, Lake Shore Bancorp ranks worse than 79.78% on this metric.
Lake Shore Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 2.14.
The historical rank and industry rank for Lake Shore Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
LSBK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.31 Med: 3.07 Max: 6.75
Current: 2.14
During the past 13 years, Lake Shore Bancorp's highest Yield on Cost was 6.75. The lowest was 1.31. And the median was 3.07.
LSBK's 5-Year Yield-on-Cost % is ranked worse than 79.78% of 1251
companies
in the Banks industry
Industry Median: 3.93
vs LSBK: 2.14
Lake Shore Bancorp (NAS:LSBK) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Lake Shore Bancorp 5-Year Yield-on-Cost % Related Terms
LSBK vs AFBI, CMRB, CBBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Lake Shore Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Lake Shore Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Lake Shore Bancorp's 5-Year Yield-on-Cost % falls into.
Lake Shore Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Lake Shore Bancorp (LSBK) has a 5-Year Yield-on-Cost % of 2.14 as of Jul. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Lake Shore Bancorp and its competitors. This is 30% below median its historical median of 3.07. Over the past decade, Lake Shore Bancorp's 5-Year Yield-on-Cost % has ranged from 1.31 to 6.75. According to the industry distribution chart, Lake Shore Bancorp ranks #998 out of 1251 companies in the Banks industry, placing it in the top 79.8%.
Is Lake Shore Bancorp's 5-Year Yield-on-Cost % too high?
Lake Shore Bancorp's current 5-Year Yield-on-Cost % of 2.14 is 30% below median its 10-year median of 3.07. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 6.75. The Banks industry median 5-Year Yield-on-Cost % is 3.93. Lake Shore Bancorp's value of 2.14 is 45.5% below this industry median. Based on the distribution chart, Lake Shore Bancorp ranks #998 out of 1251 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 5-Year Yield-on-Cost % compare to AFBI and CMRB?
According to the Banks industry distribution chart, Lake Shore Bancorp ranks #998 out of 1251 companies for 5-Year Yield-on-Cost %. This places Lake Shore Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.93. Lake Shore Bancorp's value of 2.14 is 45.5% below this benchmark. Historically, Lake Shore Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.31 to 6.75 over the past decade. While the company's 10-year median is 3.07 vs. the industry median of 3.93, Lake Shore Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.93, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lake Shore Bancorp's current 5-Year Yield-on-Cost % of 2.14 is 45.5% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Lake Shore Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Shore Bancorp's current 5-Year Yield-on-Cost % is 2.14, which is 30% below median its own 10-year median of 3.07. 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 $14.01, compared to a current price of $16.80 — trading 19.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.14, which is 30% below median its 10-year median of 3.07 and 45.5% below the Banks industry median of 3.93. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Lake Shore Bancorp (LSBK), the current 5-Year Yield-on-Cost % is 2.14 as of Jul. 04, 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 $16.80 is trading 19.9% above its estimated GF Value™ of $14.01.
GuruFocus considers Lake Shore Bancorp to be Modestly Overvalued.
Key valuation signals for LSBK:
5-Year Yield-on-Cost %: 2.14 (30% below median its 10-year median of 3.07)
GF Value™: $14.01 vs. price of $16.80 (19.9% above fair value)
Industry Position: 45.5% below the Banks median (#998 of 1251)
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.
63GF Score
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