First Guaranty Bancshares, Inc. (FGBI) vs Lake Shore Bancorp, Inc. (LSBK)
A side-by-side comparison of First Guaranty Bancshares, Inc. and Lake Shore Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FGBI vs LSBK
growth of $100 · dividends reinvested · last 10yFGBI vs LSBK: by the numbers
- •LSBK is the larger company ($143M vs $141M market cap).
- •LSBK is profitable (20.74% net margin) while FGBI runs a net loss (-19.26%).
- •FGBI grew revenue faster over the past five years (8.68% vs 7.98% CAGR).
- •LSBK pays the higher dividend yield (1.92% vs 0.46%).
Metrics side by side
Valuation
| Metric | FGBI | LSBK |
|---|---|---|
| P/E ratio | N/A | 16.26 |
| Forward P/E | 21.36 | N/A |
| PEG ratio | N/A | 1.43 |
| P/S ratio | 0.75 | 3.54 |
| P/B ratio | 0.73 | 0.99 |
Profitability
| Metric | FGBI | LSBK |
|---|---|---|
| Operating margin | -34.99% | 25.20% |
| Net margin | -19.26% | 20.74% |
| ROE | -16.00% | 5.80% |
First Guaranty Bancshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Lake Shore Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FGBI | LSBK |
|---|---|---|
| Dividend yield | 0.46% | 1.92% |
| Payout ratio | N/A | 32.14% |
Growth (annualized)
| Metric | FGBI | LSBK |
|---|---|---|
| Revenue CAGR (5Y) | 8.68% | 7.98% |
| EPS CAGR (5Y) | N/A | 11.38% |
| Total return CAGR (5Y) | -11.70% | 13.99% |
Frequently asked
- Which has grown faster, FGBI or LSBK?
- Over the past five years, FGBI grew revenue faster — FGBI at a 8.68% CAGR versus LSBK at 7.98%.
- Does FGBI or LSBK pay a bigger dividend?
- FGBI yields 0.46% and LSBK yields 1.92% based on trailing dividends and the latest price.
- Is FGBI or LSBK more profitable?
- LSBK runs the higher net margin — FGBI at -19.26% versus LSBK at 20.74%.
- How have FGBI and LSBK total returns compared?
- Over the past 10 years, FGBI delivered -0.53% and LSBK delivered 9.45% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.