First Capital (FCAP) vs Lake Shore Bancorp (LSBK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
First Capital (FCAP) has outperformed Lake Shore Bancorp (LSBK) over the past year, gaining 40.6% versus a gain of 38.2%. Over five years, LSBK leads with a +61.5% price change compared with +56.7% for FCAP. First Capital is the larger company by market cap ($215.1 million vs $141.0 million), about 1.5 times the size.
On valuation, First Capital trades at a lower trailing P/E (11.7x vs 15.6x for Lake Shore Bancorp). Lake Shore Bancorp offers the higher dividend yield (2.01% vs 1.93%).
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 | FCAP | LSBK |
|---|---|---|
| Share price | $64.32 | $17.95 |
| Market cap | $215.13M | $140.98M |
| 1-day change | -0.42% | -0.22% |
| YTD return | +8.65% | +22.44% |
| 1-year return | +40.59% | +38.18% |
| 5-year return | +56.69% | +61.49% |
| P/E ratio (TTM) | 11.65 | 15.61 |
| EPS (TTM) | $5.52 | $1.15 |
| Dividend yield | 1.93% | 2.01% |
| Annual dividend | $1.24 | $0.36 |
| 52-week high | $71.00 | $19.09 |
| 52-week low | $37.64 | $12.50 |
| Distance from 52-week high | -9.41% | -5.97% |
| Average volume | 17.91K | 18.51K |
| Shares outstanding | 3.34M | 7.85M |
| 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 trades at a higher earnings multiple (15.6x vs 11.7x trailing P/E).
FCAP vs LSBK FAQ
Which is bigger, First Capital or Lake Shore Bancorp?
First Capital (FCAP) is larger, with a market capitalization of $215.13M compared with $140.98M for Lake Shore Bancorp (LSBK).
Which stock has performed better over the past year, FCAP or LSBK?
FCAP returned +40.59% 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, FCAP or LSBK?
FCAP has the lower trailing P/E at 11.7, 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, First Capital or Lake Shore Bancorp?
Lake Shore Bancorp has the higher yield at 2.01%, compared with 1.93% for First Capital.
Are First Capital and Lake Shore Bancorp in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.