Finward Bancorp (FNWD) 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 Finward Bancorp (FNWD) over the past year, gaining 39.2% versus a gain of 30.3%. Over five years, LSBK leads with a +62.3% price change compared with -0.7% for FNWD. Finward Bancorp is the larger company by market cap ($180.3 million vs $141.7 million), about 1.3 times the size.
On valuation, Lake Shore Bancorp trades at a lower trailing P/E (15.7x vs 18.3x for Finward Bancorp). Lake Shore Bancorp offers the higher dividend yield (2.00% vs 1.15%).
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 | FNWD | LSBK |
|---|---|---|
| Share price | $41.64 | $18.04 |
| Market cap | $180.34M | $141.68M |
| 1-day change | +1.09% | +0.50% |
| YTD return | +18.33% | +23.06% |
| 1-year return | +30.29% | +39.20% |
| 5-year return | -0.74% | +62.30% |
| P/E ratio (TTM) | 18.34 | 15.69 |
| Forward P/E | 13.30 | — |
| EPS (TTM) | $2.27 | $1.15 |
| Dividend yield | 1.15% | 2.00% |
| Annual dividend | $0.48 | $0.36 |
| 52-week high | $45.90 | $19.09 |
| 52-week low | $30.05 | $12.50 |
| Distance from 52-week high | -9.28% | -5.50% |
| Analyst consensus | none | — |
| Avg. price target upside | -8.74% | — |
| Average volume | 16.53K | 18.16K |
| Shares outstanding | 4.33M | 7.85M |
| Employees | 296 | 87 |
| Sector | Financial Services | Finance |
| Industry | Banks - Regional | 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
- The two companies sit in different sectors: Finward Bancorp in Financial Services and Lake Shore Bancorp in Finance.
About Finward Bancorp
FNWD stock →Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans.
Financial Services · Banks - Regional · 296 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
FNWD vs LSBK FAQ
Which is bigger, Finward Bancorp or Lake Shore Bancorp?
Finward Bancorp (FNWD) is larger, with a market capitalization of $180.34M compared with $141.68M for Lake Shore Bancorp (LSBK).
Which stock has performed better over the past year, FNWD or LSBK?
LSBK returned +39.20% over the past 12 months, compared with +30.29% for FNWD (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FNWD or LSBK?
LSBK has the lower trailing P/E at 15.7, versus 18.3 for FNWD. 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, Finward Bancorp or Lake Shore Bancorp?
Lake Shore Bancorp has the higher yield at 2.00%, compared with 1.15% for Finward Bancorp.
Are Finward Bancorp and Lake Shore Bancorp in the same industry?
No. Finward Bancorp is in the Financial Services sector, while Lake Shore Bancorp is in Finance.