Lake Shore Bancorp, Inc. (LSBK) Fair Value 2026

LSBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.1 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, Lake Shore Bancorp, Inc. (LSBK) trades at $17.18, versus a $15.22 median fair value across its 6 active models — 11.4% below the current price. QOC: 8.1/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
LSBK
Price
$17.18
Quality Score
8.1/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Markov DDM suggests +5.0% upside with 51% confidence
Risk: Majority of models suggest overvaluation

Is Lake Shore Bancorp, Inc. (LSBK) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Lake Shore Bancorp, Inc. (LSBK) appears overvalued as of : the median of 6 independent fair value estimates is $15.22, 11.4% below the current price of $17.18. Estimates range from $9.41 to $24.41. LSBK scores 8.1/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. LSBK’s -11.4% gap is narrower than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Lake Shore Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give LSBK?

6 Intrinsic Value Models vs. Current Price ($17.18)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $9.41 -45.2%
Ensemble · Low Conviction
 $16.04 -6.6%
Intrinsic · High Conviction
 $18.04 +5.0%
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What Is LSBK's Fair Value Range?

Spread across 6 independent models · $9.41 to $24.41

CirclFi's 6 active models place Lake Shore Bancorp, Inc. (LSBK) between $9.41 and $24.41 per share, a spread of 99% of the median. The median of that range — $15.22 — is the fair value CirclFi publishes for LSBK, against a current price of $17.18.

Low · EPVHigh · ML-RIV
$9.41median $15.22$24.41
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$9.41
Most bullish modelML Residual Income$24.41
Model agreement1 bullish · 4 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on LSBK, not a CirclFi price target. How each model works →

What Is Lake Shore Bancorp, Inc. (LSBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Lake Shore Bancorp, Inc.'s intrinsic value is estimated at a median fair value of $15.22. Trading at $17.18, the stock is approaching fair value or slight overvaluation (implied return of -11.4%), as 4 of 6 models suggest limited further upside. The most optimistic model, ML-RIV, places fair value at $24.41 (+42.1%), while EPV — the most conservative — estimates $9.41 (-45.2%). This +87.3% gap reflects genuine analytical uncertainty about Lake Shore Bancorp, Inc.'s intrinsic worth.

What Do the Models Say About LSBK?

6 of 13 models are currently active for LSBK. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for LSBK is $15.22 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does LSBK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, LSBK ranks #160 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places LSBK in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Lake Shore Bancorp, Inc.'s positioning within the Banks - Regional segment means that return on tangible equity plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.

Is LSBK a Value Trap?

CirclFi's Value Trap algorithm assigns LSBK a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Lake Shore Bancorp, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Lake Shore Bancorp, Inc. earns a quality score of 8.1/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +87.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every LSBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across LSBK's 6 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Lake Shore Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FFINFirst Financial Bankshares, Inc.QOC 8.1CBKMConsumers Bancorp, Inc.QOC 8.1IBCPIndependent Bank CorporationQOC 8.1COSOCoastalSouth Bancshares, Inc.QOC 8.1SMBCSouthern Missouri Bancorp, Inc.QOC 8.1PGCPeapack-Gladstone Financial CorporationQOC 8.1FVCBFVCBankcorp, Inc.QOC 7.6CARVCarver Bancorp, Inc.QOC 5.7BOTJBank of the James Financial Group, Inc.QOC 8.4STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: FFIN · CBKM · IBCP · COSO · SMBC · PGC · FVCB · CARV · BOTJ · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to LSBK?

6 companies across all industries closest to LSBK’s Quality of Company score of 8.1/10.

DBXDropbox, Inc.QOC 8.1ARESAres Management CorporationQOC 8.1EFCEllington Financial Inc.QOC 8.1BYRNByrna Technologies Inc.QOC 8.1RNGRingCentral, Inc.QOC 8.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: DBX · ARES · EFC · BYRN · RNG · NVDA

Where Does LSBK Sit in CirclFi's Banks - Regional Rankings?

LSBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Lake Shore Bancorp, Inc.’s Valuation?

What is Lake Shore Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Lake Shore Bancorp, Inc. (LSBK)'s intrinsic value at $15.22 — the median of 6 independent model estimates as of 2026-08-28, ranging from $9.41 to $24.41. The Quality of Company score is 8.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is LSBK overvalued or undervalued right now?

At $17.18, 2 of 6 active models suggest LSBK may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $15.22, 11.4% below the current price of $17.18 — a consensus view that LSBK is overvalued. The assessment depends on which methodology best fits Lake Shore Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.1 mean for LSBK?

Lake Shore Bancorp, Inc.'s QOC of 8.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on LSBK?

CirclFi analyzes LSBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on LSBK?

Of the 6 models currently active on LSBK, ML Residual Income is the most bullish at $24.41 per share, and Earnings Power Value (EPV) is the most bearish at $9.41. CirclFi's published fair value for LSBK is the median of that range, $15.22, not either extreme. The gap between the two ends equals 99% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is LSBK a value trap in 2026?

Lake Shore Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Lake Shore Bancorp, Inc. (LSBK) has a median fair value of $15.22 — 11.4% below the current price of $17.18 — as of 2026-08-28.” Source: circlfi.com/stock/LSBK/ · Methodology
Primary sources for this LSBK valuation
  • Financial statements: Lake Shore Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0002059653) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for LSBK as of ; valuations recomputed .

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