Lake Shore Bancorp, Inc. /MD/ (LSBK)
Savings Institution, Federally Chartered · Financial Services · $153M
Intrinsic Value (Consensus)
$25.26
Current Price
$19.40
Margin of Safety
+30.2%
30.2% Below Intrinsic Value
Value: $25
Price: $19
Valuation Model Estimates
Current Price: $19.40
DCF (Discounted Cash Flow)
$47.65
Graham Number
$19.83
Earnings Power Value
$9.42
Relative Value (P/E)
$19.40
Dividend Discount Model
$30.00
Consensus Value
$25.26
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Key Financials
- EPS (TTM)
- $0.97
- EPS (Forward)
- $1.16
- Book Value
- $18.01
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 5.1%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.5%
- Beta
- 1.00
Data last updated: 2026-06-12
Source: Yahoo Finance