Lake Shore Bancorp (LSBK) vs Provident Financial (PROV)
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 Provident Financial (PROV) over the past year, gaining 38.2% versus a gain of 15.6%. Over five years, LSBK leads with a +61.5% price change compared with +9.1% for PROV. Lake Shore Bancorp is the larger company by market cap ($141.0 million vs $114.2 million), about 1.2 times the size.
On valuation, Lake Shore Bancorp trades at a lower trailing P/E (15.6x vs 17.8x for Provident Financial). Provident Financial offers the higher dividend yield (3.06% vs 2.01%).
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 | LSBK | PROV |
|---|---|---|
| Share price | $17.95 | $18.32 |
| Market cap | $140.98M | $114.17M |
| 1-day change | -0.22% | -0.25% |
| YTD return | +22.44% | +15.12% |
| 1-year return | +38.18% | +15.55% |
| 5-year return | +61.49% | +9.08% |
| P/E ratio (TTM) | 15.61 | 17.78 |
| Forward P/E | — | 14.42 |
| EPS (TTM) | $1.15 | $1.03 |
| Dividend yield | 2.01% | 3.06% |
| Annual dividend | $0.36 | $0.56 |
| 52-week high | $19.09 | $18.99 |
| 52-week low | $12.50 | $14.95 |
| Distance from 52-week high | -5.97% | -3.55% |
| Average volume | 18.51K | 12.98K |
| Shares outstanding | 7.85M | 6.23M |
| Employees | 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
- LSBK has outperformed PROV by 22.6 percentage points over the past year.
- Provident Financial offers a meaningfully higher dividend yield (3.06% vs 2.01%).
- The two companies sit in different sectors: Lake Shore Bancorp in Financial Services and Provident Financial in Finance.
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
LSBK vs PROV FAQ
Which is bigger, Lake Shore Bancorp or Provident Financial?
Lake Shore Bancorp (LSBK) is larger, with a market capitalization of $140.98M compared with $114.17M for Provident Financial (PROV).
Which stock has performed better over the past year, LSBK or PROV?
LSBK returned +38.18% over the past 12 months, compared with +15.55% for PROV (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, LSBK or PROV?
LSBK has the lower trailing P/E at 15.6, versus 17.8 for PROV. 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, Lake Shore Bancorp or Provident Financial?
Provident Financial has the higher yield at 3.06%, compared with 2.01% for Lake Shore Bancorp.
Are Lake Shore Bancorp and Provident Financial in the same industry?
No. Lake Shore Bancorp is in the Financial Services sector, while Provident Financial is in Finance.