Citizens Community Bancorp (CZWI) vs Lake Shore Bancorp (LSBK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Lake Shore Bancorp (LSBK) has outperformed Citizens Community Bancorp (CZWI) over the past year, gaining 39.2% versus a gain of 34.7%. Over five years, LSBK leads with a +62.3% price change compared with +54.8% for CZWI. Citizens Community Bancorp is the larger company by market cap ($206.6 million vs $141.7 million), about 1.5 times the size.
On valuation, Lake Shore Bancorp trades at a lower trailing P/E (15.7x vs 16.3x for Citizens Community Bancorp). Lake Shore Bancorp offers the higher dividend yield (2.00% vs 0.98%).
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 | CZWI | LSBK |
|---|---|---|
| Share price | $21.41 | $18.04 |
| Market cap | $206.61M | $141.68M |
| 1-day change | +0.23% | +0.50% |
| YTD return | +20.15% | +23.06% |
| 1-year return | +34.65% | +39.20% |
| 5-year return | +54.81% | +62.30% |
| P/E ratio (TTM) | 16.34 | 15.69 |
| Forward P/E | 9.87 | — |
| EPS (TTM) | $1.31 | $1.15 |
| Dividend yield | 0.98% | 2.00% |
| Annual dividend | $0.21 | $0.36 |
| 52-week high | $24.43 | $19.09 |
| 52-week low | $14.61 | $12.50 |
| Distance from 52-week high | -12.36% | -5.50% |
| Analyst consensus | none | — |
| Avg. price target upside | +3.92% | — |
| Average volume | 48.57K | 18.16K |
| Shares outstanding | 9.65M | 7.85M |
| Employees | 217 | 87 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
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 (2.00% vs 0.98%).
About Citizens Community Bancorp
CZWI stock →Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A.
Finance · Savings Institutions · 217 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.
Finance · Savings Institutions · 87 employees
CZWI vs LSBK FAQ
Which is bigger, Citizens Community Bancorp or Lake Shore Bancorp?
Citizens Community Bancorp (CZWI) is larger, with a market capitalization of $206.61M compared with $141.68M for Lake Shore Bancorp (LSBK).
Which stock has performed better over the past year, CZWI or LSBK?
LSBK returned +39.20% over the past 12 months, compared with +34.65% for CZWI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZWI or LSBK?
LSBK has the lower trailing P/E at 15.7, versus 16.3 for CZWI. 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, Citizens Community Bancorp or Lake Shore Bancorp?
Lake Shore Bancorp has the higher yield at 2.00%, compared with 0.98% for Citizens Community Bancorp.
Are Citizens Community Bancorp and Lake Shore Bancorp in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.