BV Financial (BVFL) vs Lake Shore Bancorp (LSBK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
BV Financial (BVFL) has outperformed Lake Shore Bancorp (LSBK) over the past year, gaining 41.9% versus a gain of 38.2%. Over five years, BVFL leads with a +67.6% price change compared with +61.5% for LSBK. BV Financial is the larger company by market cap ($185.2 million vs $141.0 million), about 1.3 times the size.
On valuation, BV Financial trades at a lower trailing P/E (14.5x vs 15.6x for Lake Shore Bancorp). Lake Shore Bancorp pays a dividend yielding 2.01%, while BV Financial does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BVFL | LSBK |
|---|---|---|
| Share price | $21.86 | $17.95 |
| Market cap | $185.17M | $140.98M |
| 1-day change | +1.63% | -0.22% |
| YTD return | +20.51% | +22.44% |
| 1-year return | +41.86% | +38.18% |
| 5-year return | +67.58% | +61.49% |
| P/E ratio (TTM) | 14.48 | 15.61 |
| EPS (TTM) | $1.51 | $1.15 |
| Dividend yield | 0.00% | 2.01% |
| Annual dividend | $0.00 | $0.36 |
| 52-week high | $22.17 | $19.09 |
| 52-week low | $14.60 | $12.50 |
| Distance from 52-week high | -1.40% | -5.97% |
| Average volume | 16.08K | 18.51K |
| Shares outstanding | 8.47M | 7.85M |
| Employees | 99 | 87 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Lake Shore Bancorp offers a meaningfully higher dividend yield (2.01% vs 0.00%).
About BV Financial
BVFL stock →BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in the United States.
Financial Services · Banks - Regional · 99 employees
About Lake Shore Bancorp
LSBK stock →Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York.
Financial Services · Banks - Regional · 87 employees
BVFL vs LSBK FAQ
Which is bigger, BV Financial or Lake Shore Bancorp?
BV Financial (BVFL) is larger, with a market capitalization of $185.17M compared with $140.98M for Lake Shore Bancorp (LSBK).
Which stock has performed better over the past year, BVFL or LSBK?
BVFL returned +41.86% over the past 12 months, compared with +38.18% for LSBK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BVFL or LSBK?
BVFL has the lower trailing P/E at 14.5, versus 15.6 for LSBK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, BV Financial or Lake Shore Bancorp?
Lake Shore Bancorp pays a dividend yielding 2.01%, while BV Financial does not currently pay a regular dividend.
Are BV Financial and Lake Shore Bancorp in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.