LAKE SHORE BANCORP INC/MD (LSBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-07-07
$17.17+0.94%
Close 2026-07-07 · 1-day change
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Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 10 valuation methods, at three horizons. Current price $17.17. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $17 LSBK trades at 0.9× p/b, below its 1.2× p/b peer median. Our $18 fair value sits above the price. It's a high-confidence read. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $46.94 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $55.30 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $8.88 | — | — | TTM | high |
| graham number | 12M | $22.53 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Around its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $23.60 |
| 1.2 |
| 19.33 |
| TTM |
| high |
| Peer P/FCF | 12M | $16.16 | 12.4 | 1.31 | TTM | high |
| Peer P/E | 12M | $13.98 | 12.0 | 1.17 | TTM | high |
| Peer P/S | 12M | $14.94 | 3.0 | 5.02 | TTM | high |
| residual income | 12M | $19.30 | — | — | TTM | high |
| Own P/E history | 12M | $16.85 | 14.4 | 1.17 | TTM | high |
| Peer P/FCF | 3Y | $20.12 | 12.4 | 1.63 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 5Y | $23.28 | 12.4 | 1.88 | Hist. CAGR(prov.) | medium |