FinWise Bancorp (FINW) 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
Lake Shore Bancorp (LSBK) has outperformed FinWise Bancorp (FINW) over the past year, gaining 39.2% versus a loss of 43.0%. FinWise Bancorp is the larger company by market cap ($150.2 million vs $141.7 million), about 1.1 times the size. On valuation, FinWise Bancorp trades at a lower trailing P/E (11.3x vs 15.7x for Lake Shore Bancorp).
Lake Shore Bancorp pays a dividend yielding 2.00%, while FinWise Bancorp 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 | FINW | LSBK |
|---|---|---|
| Share price | $10.82 | $18.04 |
| Market cap | $150.21M | $141.68M |
| 1-day change | -0.55% | +0.50% |
| YTD return | -39.69% | +23.06% |
| 1-year return | -43.02% | +39.20% |
| 5-year return | — | +62.30% |
| P/E ratio (TTM) | 11.27 | 15.69 |
| Forward P/E | 10.68 | — |
| EPS (TTM) | $0.96 | $1.15 |
| Dividend yield | 0.00% | 2.00% |
| Annual dividend | $0.00 | $0.36 |
| 52-week high | $19.86 | $19.09 |
| 52-week low | $10.77 | $12.50 |
| Distance from 52-week high | -45.52% | -5.50% |
| Analyst consensus | none | — |
| Avg. price target upside | +50.92% | — |
| Average volume | 30.31K | 18.16K |
| Shares outstanding | 13.88M | 7.85M |
| Employees | 206 | 87 |
| Sector | Finance | Finance |
| Industry | Major Banks | 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
- LSBK has outperformed FINW by 82.2 percentage points over the past year.
- Lake Shore Bancorp trades at a higher earnings multiple (15.7x vs 11.3x trailing P/E).
- Lake Shore Bancorp offers a meaningfully higher dividend yield (2.00% vs 0.00%).
About FinWise Bancorp
FINW stock →FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company operates in three segments: Traditional Banking; BaaS and Treasury; and Administration.
Finance · Major Banks · 206 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
FINW vs LSBK FAQ
Which is bigger, FinWise Bancorp or Lake Shore Bancorp?
FinWise Bancorp (FINW) is larger, with a market capitalization of $150.21M compared with $141.68M for Lake Shore Bancorp (LSBK).
Which stock has performed better over the past year, FINW or LSBK?
LSBK returned +39.20% over the past 12 months, compared with -43.02% for FINW (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FINW or LSBK?
FINW has the lower trailing P/E at 11.3, versus 15.7 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, FinWise Bancorp or Lake Shore Bancorp?
Lake Shore Bancorp pays a dividend yielding 2.00%, while FinWise Bancorp does not currently pay a regular dividend.
Are FinWise Bancorp and Lake Shore Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for FinWise Bancorp and Savings Institutions for Lake Shore Bancorp.