LSBK
Lake Shore Bancorp, Inc.
Banks - Regional
Market Cap$137M
5Y Perf.+92.3%
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KRNY
NBTB
NFBK
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Stock Comparison
LSBK vs KRNY vs NBTB vs NFBK
Revenue, margins, valuation, and 5-year total return — side by side.
KRNY
Kearny Financial Corp.
Banks - Regional
Market Cap$533M
5Y Perf.+3.5%
NBTB
NBT Bancorp Inc.
Banks - Regional
Market Cap$2.44B
5Y Perf.+51.8%
NFBK
Northfield Bancorp, Inc.
Banks - Regional
Market Cap$602M
5Y Perf.+25.1%
LSBK vs KRNY vs NBTB vs NFBK — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  LSBK |  KRNY |  NBTB |  NFBK |
|---|---|---|---|---|
| Industry | Banks - Regional | Banks - Regional | Banks - Regional | Banks - Regional |
| Market Cap | $137M | $533M | $2.44B | $602M |
| Revenue (TTM) | $40M | $344M | $902M | $266M |
| Net Income (TTM) | $7M | $32M | $169M | $796K |
| Gross Margin | 70.9% | 47.7% | 73.6% | 55.3% |
| Operating Margin | 22.1% | 11.6% | 24.3% | 6.4% |
| Forward P/E | 18.1x | 13.6x | 11.2x | 10.7x |
| Total Debt | $1M | $1.26B | $327M | $992M |
| Cash & Equiv. | $64M | $167M | $185M | $12M |
LSBK vs KRNY vs NBTB vs NFBK — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LSBK
KRNY
NBTB
NFBK
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Lake Shore Bancorp,… (LSBK) | 100 | 192.3 | +92.3% |
| Kearny Financial Co… (KRNY) | 100 | 103.5 | +3.5% |
| NBT Bancorp Inc. (NBTB) | 100 | 151.8 | +51.8% |
| Northfield Bancorp,… (NFBK) | 100 | 125.1 | +25.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LSBK vs KRNY vs NBTB vs NFBK
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: LSBK and NBTB are tied at the top with 2 categories each — the right choice depends on your priorities. NBT Bancorp Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. NFBK and KRNY also each lead in at least one category. As sector peers, any of these can serve as alternatives in the same allocation.
LSBK
Lake Shore Bancorp, Inc.
The Banking Pick
LSBK has the current edge in this matchup, primarily because of its strength in long-term compounding and sleep-well-at-night.
- 111.6% 10Y total return vs NBTB's 103.1%
- Lower volatility, beta 0.27, Low D/E 0.9%, current ratio 200.88x
- Beta 0.27, yield 0.8%, current ratio 200.88x
- NIM 3.4% vs KRNY's 1.7%
Best for: long-term compounding and sleep-well-at-night
KRNY
Kearny Financial Corp.
The Banking Pick
KRNY is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.67, yield 5.2%
- Rev growth 5.1%, EPS growth 130.2%
- 5.2% yield, vs NBTB's 3.1%
Best for: income & stability and growth exposure
NBTB
NBT Bancorp Inc.
The Banking Pick
NBTB is the #2 pick in this set and the best alternative if valuation efficiency is your priority.
- PEG 1.59 vs LSBK's 1.59
- 10.4% NII/revenue growth vs NFBK's -26.7%
- Lower P/E (11.2x vs 18.1x), PEG 1.59 vs 1.59
Best for: valuation efficiency
NFBK
Northfield Bancorp, Inc.
The Banking Pick
NFBK is the clearest fit if your priority is quality and efficiency.
- Efficiency ratio 0.3% vs LSBK's 0.5% (lower = leaner)
- Efficiency ratio 0.3% vs LSBK's 0.5%
Best for: quality and efficiency
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  NBTB | 10.4% NII/revenue growth vs NFBK's -26.7% |
| Value | NBTB | Lower P/E (11.2x vs 18.1x), PEG 1.59 vs 1.59 |
| Quality / Margins |  NFBK | Efficiency ratio 0.3% vs LSBK's 0.5% (lower = leaner) |
| Stability / Safety |  LSBK | Beta 0.27 vs NBTB's 0.73, lower leverage |
| Dividends |  KRNY | 5.2% yield, vs NBTB's 3.1% |
| Momentum (1Y) | LSBK | +53.1% vs NBTB's +20.5% |
| Efficiency (ROA) | NFBK | Efficiency ratio 0.3% vs LSBK's 0.5% |
LSBK vs KRNY vs NBTB vs NFBK — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
FY 2025
FY 2025
LSBK vs KRNY vs NBTB vs NFBK — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLLSBKLAGGINGNFBK
Who Leads Where
NBTB leads in 2 of 6 categories
LSBK leads 2 • KRNY leads 0 • NFBK leads 0 • 2 tied
Explore the data ↓NFBKNorthfield Bancorp, I…
0leads
KRNYKearny Financial Corp.
0leads
NBTBNBT Bancorp Inc.
2leads
LSBKLake Shore Bancorp, I…
2leads
6 Total Categories
CATEGORYLEADERvs NBTBvs KRNYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NBTB4/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NBTB5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
LSBK5/6
Risk & VolatilityBeta, volatility, and downside exposure
LSBK2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
NBTB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NBTB is the larger business by revenue, generating $902M annually — 22.8x LSBK's $40M. NBTB is the more profitable business, keeping 18.8% of every revenue dollar as net income compared to NFBK's 0.3%.
| Metric | LSBKLake Shore Bancor… | KRNYKearny Financial … | NBTBNBT Bancorp Inc. | NFBKNorthfield Bancor… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $40M | $344M | $902M | $266M |
| EBITDAEarnings before interest/tax | $9M | $43M | $241M | $25M |
| Net IncomeAfter-tax profit | $7M | $32M | $169M | $796,000 |
| Free Cash FlowCash after capex | $7M | $40M | $225M | $52M |
| Gross MarginGross profit ÷ Revenue | +70.9% | +47.7% | +73.6% | +55.3% |
| Operating MarginEBIT ÷ Revenue | +22.1% | +11.6% | +24.3% | +6.4% |
| Net MarginNet income ÷ Revenue | +18.4% | +9.4% | +18.8% | +0.3% |
| FCF MarginFCF ÷ Revenue | +18.8% | +11.6% | +24.9% | +19.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +36.8% | +50.0% | +39.5% | +68.8% |
NBTB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
Evenly matched — LSBK and KRNY and NBTB each lead in 2 of 7 comparable metrics.
Valuation Metrics
At 14.0x trailing earnings, NBTB trades at a 98% valuation discount to NFBK's 727.8x P/E. Adjusting for growth (PEG ratio), LSBK offers better value at 1.59x vs NBTB's 1.99x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | LSBKLake Shore Bancor… | KRNYKearny Financial … | NBTBNBT Bancorp Inc. | NFBKNorthfield Bancor… |
|---|---|---|---|---|
| Market CapShares × price | $137M | $533M | $2.4B | $602M |
| Enterprise ValueMkt cap + debt − cash | $74M | $1.6B | $2.6B | $1.6B |
| Trailing P/EPrice ÷ TTM EPS | 18.13x | 20.17x | 14.02x | 727.78x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 13.55x | 11.18x | 10.67x |
| PEG RatioP/E ÷ EPS growth rate | 1.59x | — | 1.99x | — |
| EV / EBITDAEnterprise value multiple | 8.02x | 45.20x | 10.70x | 63.21x |
| Price / SalesMarket cap ÷ Revenue | 3.46x | 1.55x | 2.81x | 3.27x |
| Price / BookPrice ÷ Book value/share | 0.91x | 0.71x | 1.25x | 0.84x |
| Price / FCFMarket cap ÷ FCF | 18.40x | 24.90x | 11.13x | 11.53x |
Evenly matched — LSBK and KRNY and NBTB each lead in 2 of 7 comparable metrics.
Profitability & Efficiency
NBTB leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
NBTB delivers a 9.5% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $0 for NFBK. LSBK carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to KRNY's 1.68x. On the Piotroski fundamental quality scale (0–9), LSBK scores 8/9 vs NFBK's 5/9, reflecting strong financial health.
| Metric | LSBKLake Shore Bancor… | KRNYKearny Financial … | NBTBNBT Bancorp Inc. | NFBKNorthfield Bancor… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +6.3% | +4.3% | +9.5% | +0.1% |
| ROA (TTM)Return on assets | +1.0% | +0.4% | +1.1% | +0.0% |
| ROICReturn on invested capital | +5.4% | +1.1% | +7.9% | +0.8% |
| ROCEReturn on capital employed | +2.1% | +1.5% | +2.4% | +1.0% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 7 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.01x | 1.68x | 0.17x | 1.44x |
| Net DebtTotal debt minus cash | -$63M | $1.1B | $142M | $979M |
| Cash & Equiv.Liquid assets | $64M | $167M | $185M | $12M |
| Total DebtShort + long-term debt | $1M | $1.3B | $327M | $992M |
| Interest CoverageEBIT ÷ Interest expense | 0.75x | 0.22x | 1.05x | 0.15x |
NBTB leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
LSBK leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in LSBK five years ago would be worth $16,711 today (with dividends reinvested), compared to $8,943 for KRNY. Over the past 12 months, LSBK leads with a +53.1% total return vs NBTB's +20.5%. The 3-year compound annual growth rate (CAGR) favors LSBK at 30.7% vs KRNY's 9.9% — a key indicator of consistent wealth creation.
| Metric | LSBKLake Shore Bancor… | KRNYKearny Financial … | NBTBNBT Bancorp Inc. | NFBKNorthfield Bancor… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | +19.7% | +18.2% | +14.0% | +29.5% |
| 1-Year ReturnPast 12 months | +53.1% | +47.0% | +20.5% | +28.5% |
| 3-Year ReturnCumulative with dividends | +123.3% | +32.7% | +49.9% | +43.4% |
| 5-Year ReturnCumulative with dividends | +67.1% | -10.6% | +46.9% | +7.3% |
| 10-Year ReturnCumulative with dividends | +111.6% | -7.4% | +103.1% | +28.9% |
| CAGR (3Y)Annualised 3-year return | +30.7% | +9.9% | +14.5% | +12.8% |
LSBK leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
LSBK leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
LSBK is the less volatile stock with a 0.27 beta — it tends to amplify market swings less than NBTB's 0.73 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. LSBK currently trades 100.0% from its 52-week high vs KRNY's 95.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LSBKLake Shore Bancor… | KRNYKearny Financial … | NBTBNBT Bancorp Inc. | NFBKNorthfield Bancor… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.27x | 0.67x | 0.73x | 0.67x |
| 52-Week HighHighest price in past year | $17.40 | $8.89 | $48.81 | $14.81 |
| 52-Week LowLowest price in past year | $8.63 | $5.76 | $39.20 | $9.90 |
| % of 52W HighCurrent price vs 52-week peak | +100.0% | +95.3% | +95.6% | +97.3% |
| RSI (14)Momentum oscillator 0–100 | 63.1 | 52.7 | 51.0 | 53.3 |
| Avg Volume (50D)Average daily shares traded | 9K | 318K | 277K | 243K |
LSBK leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — KRNY and NBTB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: KRNY as "Hold", NBTB as "Hold", NFBK as "Hold". Consensus price targets imply 12.2% upside for KRNY (target: $10) vs -1.5% for NBTB (target: $46). For income investors, KRNY offers the higher dividend yield at 5.20% vs LSBK's 0.79%.
| Metric | LSBKLake Shore Bancor… | KRNYKearny Financial … | NBTBNBT Bancorp Inc. | NFBKNorthfield Bancor… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold | Hold | Hold |
| Price TargetConsensus 12-month target | — | $9.50 | $46.00 | $14.50 |
| # AnalystsCovering analysts | — | 5 | 10 | 9 |
| Dividend YieldAnnual dividend ÷ price | +0.8% | +5.2% | +3.1% | +3.7% |
| Dividend StreakConsecutive years of raises | 0 | 0 | 13 | 0 |
| Dividend / ShareAnnual DPS | $0.14 | $0.44 | $1.43 | $0.53 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | +0.1% | +0.4% | +2.6% |
Evenly matched — KRNY and NBTB each lead in 1 of 2 comparable metrics.
Key Takeaway
NBTB leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). LSBK leads in 2 (Total Returns, Risk & Volatility). 2 tied.
Best OverallLake Shore Bancorp, Inc. (LSBK)Leads 2 of 6 categories
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LSBK vs KRNY vs NBTB vs NFBK: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is LSBK or KRNY or NBTB or NFBK a better buy right now?
For growth investors, NBT Bancorp Inc.
(NBTB) is the stronger pick with 10. 4% revenue growth year-over-year, versus -26. 7% for Northfield Bancorp, Inc. (NFBK). NBT Bancorp Inc. (NBTB) offers the better valuation at 14. 0x trailing P/E (11. 2x forward), making it the more compelling value choice. Analysts rate Kearny Financial Corp. (KRNY) a "Hold" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — LSBK or KRNY or NBTB or NFBK?
On trailing P/E, NBT Bancorp Inc.
(NBTB) is the cheapest at 14. 0x versus Northfield Bancorp, Inc. at 727. 8x. On forward P/E, Northfield Bancorp, Inc. is actually cheaper at 10. 7x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — LSBK or KRNY or NBTB or NFBK?
Over the past 5 years, Lake Shore Bancorp, Inc.
(LSBK) delivered a total return of +67. 1%, compared to -10. 6% for Kearny Financial Corp. (KRNY). Over 10 years, the gap is even starker: LSBK returned +111. 6% versus KRNY's -7. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LSBK or KRNY or NBTB or NFBK?
By beta (market sensitivity over 5 years), Lake Shore Bancorp, Inc.
(LSBK) is the lower-risk stock at 0. 27β versus NBT Bancorp Inc. 's 0. 73β — meaning NBTB is approximately 169% more volatile than LSBK relative to the S&P 500. On balance sheet safety, Lake Shore Bancorp, Inc. (LSBK) carries a lower debt/equity ratio of 1% versus 168% for Kearny Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — LSBK or KRNY or NBTB or NFBK?
By revenue growth (latest reported year), NBT Bancorp Inc.
(NBTB) is pulling ahead at 10. 4% versus -26. 7% for Northfield Bancorp, Inc. (NFBK). On earnings-per-share growth, the picture is similar: Kearny Financial Corp. grew EPS 130. 2% year-over-year, compared to -97. 3% for Northfield Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — LSBK or KRNY or NBTB or NFBK?
NBT Bancorp Inc.
(NBTB) is the more profitable company, earning 19. 5% net margin versus 0. 4% for Northfield Bancorp, Inc. — meaning it keeps 19. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NBTB leads at 25. 3% versus 9. 0% for KRNY. At the gross margin level — before operating expenses — NBTB leads at 72. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is LSBK or KRNY or NBTB or NFBK more undervalued right now?
On forward earnings alone, Northfield Bancorp, Inc.
(NFBK) trades at 10. 7x forward P/E versus 13. 6x for Kearny Financial Corp. — 2. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for KRNY: 12. 2% to $9. 50.
08Which pays a better dividend — LSBK or KRNY or NBTB or NFBK?
All stocks in this comparison pay dividends.
Kearny Financial Corp. (KRNY) offers the highest yield at 5. 2%, versus 0. 8% for Lake Shore Bancorp, Inc. (LSBK).
09Is LSBK or KRNY or NBTB or NFBK better for a retirement portfolio?
For long-horizon retirement investors, Lake Shore Bancorp, Inc.
(LSBK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 27), 0. 8% yield, +111. 6% 10Y return). Both have compounded well over 10 years (LSBK: +111. 6%, KRNY: -7. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between LSBK and KRNY and NBTB and NFBK?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: LSBK is a small-cap quality compounder stock; KRNY is a small-cap income-oriented stock; NBTB is a small-cap deep-value stock; NFBK is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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