LSBK
Lake Shore Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: LSBK
- PE Ratio
As of Jul 2, 2026, the Lake Shore Bancorp stock's PE ratio is 14.12. This results from the current EPS of $1.19 and stock price of $16.8. The PE ratio has grown by 3.2% from the past four quarters average of 13.7.
LSBK PE ratio history
The PE ratio of Lake Shore Bancorp has averaged 19.78 over the last ten years. The current P/E ratio of 14.12 is 29% lower than the historical average. In the past ten years, LSBK's PE ratio peaked in the Mar 2017 quarter at 40.99, when the stock price was $15.58 and the EPS was $0.38. The lowest point was in the Mar 2023 quarter, when it reached 9.34 with a price of $10.09 and an EPS of $1.08.
Lake Shore Bancorp PE ratio by year
Maximum annual increase: 48.04% in 2024
Maximum annual decrease: -28.52% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 15.11 | -28.52% | $14.66 | $0.97 |
| 2024 | 21.14 | 48.04% | $13.74 | $0.65 |
| 2023 | 14.28 | 14.79% | $11.71 | $0.82 |
| 2022 | 12.44 | -12.33% | $12.07 | $0.97 |
| 2021 | 14.19 | -15.94% | $14.9 | $1.05 |
| 2020 | 16.88 | -24.98% | $13 | $0.77 |
| 2019 | 22.5 | -1.4% | $15.3 | $0.68 |
| 2018 | 22.82 | -26.81% | $15.06 | $0.66 |
| 2017 | 31.18 | 11.16% | $17.15 | $0.55 |
| 2016 | 28.05 | 19.31% | $16.27 | $0.58 |
| 2015 | 23.51 | -4.62% | $13.4 | $0.57 |
| 2014 | 24.65 | 33.39% | $13.56 | $0.55 |
| 2013 | 18.48 | 14.93% | $12.2 | $0.66 |
| 2012 | 16.08 | 9.46% | $10.29 | $0.64 |
| 2011 | 14.69 | -15.67% | $9.55 | $0.65 |
Lake Shore Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 12.76 | -15.55% | $15.18 | $1.19 |
| Dec 2025 | 15.11 | 15.08% | $14.66 | $0.97 |
| Sep 2025 | 13.13 | -4.37% | $13 | $0.99 |
| Jun 2025 | 13.73 | -39.17% | $11.67 | $0.85 |
| Mar 2025 | 22.57 | 6.76% | $15.8 | $0.7 |
| Dec 2024 | 21.14 | 5.02% | $13.74 | $0.65 |
| Sep 2024 | 20.13 | 22.3% | $13.49 | $0.67 |
| Jun 2024 | 16.46 | 0.73% | $12.51 | $0.76 |
| Mar 2024 | 16.34 | 14.43% | $11.6 | $0.71 |
| Dec 2023 | 14.28 | 26.48% | $11.71 | $0.82 |
| Sep 2023 | 11.29 | -2.5% | $10.16 | $0.9 |
| Jun 2023 | 11.58 | 23.98% | $10.77 | $0.93 |
| Mar 2023 | 9.34 | -24.92% | $10.09 | $1.08 |
| Dec 2022 | 12.44 | 1.97% | $12.07 | $0.97 |
| Sep 2022 | 12.2 | -6.73% | $13.18 | $1.08 |
LSBK Price vs fair value
LSBK average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, LSBK's PE ratio is lower than the 3, 5 and 10-year averages.
PE comparison
Lake Shore Bancorp's P/E of 14.12 is above the Financial Services sector, the industry and its peers average. In comparison with its Financial Services sector average of 13.27, Lake Shore Bancorp's P/E is 6% higher.
LSBK PE vs peers
In comparison to its peers CZNC and SFBC, LSBK's PE ratio is lower, but it is higher than FMBH's and CAC's. Lake Shore Bancorp's PE ratio is trading above the peer group average of 13.27.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CIVB Civista Bancshares Inc | 10.5 | $591.49M |
| HWBK Hawthorn Bancshares Inc | 11.04 | $266.48M |
| FUNC First United Corp | 11.39 | $287.07M |
| CAC Camden National Corp | 11.56 | $923.2M |
| FMBH First Mid Bancshares Inc | 12.21 | $1.29B |
| FCAP First Capital Inc. | 12.37 | $216.42M |
| LSBK Lake Shore Bancorp | 14.12 | $132.09M |
| SFBC Sound Financial Bancorp Inc | 15.19 | $114.63M |
| CZNC Citizens & Northern Corp | 21.88 | $423.37M |
Frequently asked questions
What is Lake Shore Bancorp's PE ratio?
The price to earnings ratio for LSBK stock is 14.12 as of Jul 2, 2026.
What is the 3-year average PE ratio for Lake Shore Bancorp (LSBK)?
The 3-year average price to earnings ratio for LSBK stock is 16.09.
What is the 5-year average PE ratio for Lake Shore Bancorp (LSBK)?
The 5-year average price to earnings ratio for LSBK stock is 14.79.
What is the highest PE ratio for LSBK?
The highest quarterly PE ratio in the last ten years has been 40.99 and it was in the Mar 2017 quarter.
How does the current PE ratio for LSBK compare to its historical average?
LSBK's price to earnings ratio is currently 29% below its 10-year historical average.
How is LSBK's PE ratio calculated (Lake Shore Bancorp PE ratio formula)?
The P/E ratio is obtained by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jul 2, 2026), Lake Shore Bancorp's stock price is $16.8. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $1.19. Therefore, Lake Shore Bancorp's PE ratio for today is 14.12. PE RATIO(14.12) = STOCK PRICE($16.8) / TTM EPS($1.19)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.