Which has grown faster, FGBIP or LSBK?

Over the past five years, FGBIP grew revenue faster — FGBIP at a 8.68% CAGR versus LSBK at 7.98%.

Does FGBIP or LSBK pay a bigger dividend?

FGBIP yields 9.82% and LSBK yields 1.92% based on trailing dividends and the latest price.

Is FGBIP or LSBK more profitable?

LSBK runs the higher net margin — FGBIP at -19.26% versus LSBK at 20.74%.

How have FGBIP and LSBK total returns compared?

Over the past 5 years, FGBIP delivered -1.00% and LSBK delivered 13.99% annualized total return. Past performance doesn't predict future results.

First Guaranty Bancshares, Inc. (FGBIP) 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.

FGBIP

First Guaranty Bancshares, Inc.

$141M

$17.10Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

LSBK

Lake Shore Bancorp, Inc.

$141M

$17.99Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — FGBIP vs LSBK

growth of $100 · dividends reinvested · last 5y

FGBIP +0.3% (+0.1%/yr)LSBK +100.9% (+15.0%/yr)LSBK compounded faster over this window

FGBIP LSBK

FGBIP vs LSBK: by the numbers

•LSBK is the larger company ($141M vs $141M market cap).
•LSBK is profitable (20.74% net margin) while FGBIP runs a net loss (-19.26%).
•FGBIP grew revenue faster over the past five years (8.68% vs 7.98% CAGR).
•FGBIP pays the higher dividend yield (9.82% vs 1.92%).

Metrics side by side

Valuation

Metric	FGBIP	LSBK
P/E ratio	N/A	16.06
Forward P/E	42.75	N/A
PEG ratio	N/A	1.41
P/S ratio	0.74	3.50
P/B ratio	0.72	0.98

Profitability

Metric	FGBIP	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	FGBIP	LSBK
Dividend yield	9.82%	1.92%
Payout ratio	N/A	32.14%

Growth (annualized)

Metric	FGBIP	LSBK
Revenue CAGR (5Y)	8.68%	7.98%
EPS CAGR (5Y)	N/A	11.38%
Total return CAGR (5Y)	-1.00%	13.99%

Frequently asked

Which has grown faster, FGBIP or LSBK?: Over the past five years, FGBIP grew revenue faster — FGBIP at a 8.68% CAGR versus LSBK at 7.98%.
Does FGBIP or LSBK pay a bigger dividend?: FGBIP yields 9.82% and LSBK yields 1.92% based on trailing dividends and the latest price.
Is FGBIP or LSBK more profitable?: LSBK runs the higher net margin — FGBIP at -19.26% versus LSBK at 20.74%.
How have FGBIP and LSBK total returns compared?: Over the past 5 years, FGBIP delivered -1.00% and LSBK delivered 13.99% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FGBIP analysis Full LSBK analysis Interactive comparison tool

Dig into the metrics

Lake Shore Bancorp P/E ratio First Guaranty Bancshares dividend yield Lake Shore Bancorp dividend yield First Guaranty Bancshares ROE Lake Shore Bancorp ROE First Guaranty Bancshares operating margin Lake Shore Bancorp operating margin First Guaranty Bancshares revenue growth Lake Shore Bancorp revenue growth

First Guaranty Bancshares & Lake Shore Bancorp appear in these rankings

Highest Dividend Yield Stocks

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.