Lake Shore Bancorp, Inc. /MD/ (LSBK)
Savings Institution, Federally Chartered · Financial Services · $127M
Intrinsic Value (Consensus)
$25.26
Current Price
$16.20
Margin of Safety
+55.9%
55.9% Below Intrinsic Value
Value: $25
Price: $16
Valuation Model Estimates
Current Price: $16.20
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%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
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
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Data last updated: 2026-06-16
Source: Yahoo Finance