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LSBK vs MA

LSBK
Lake Shore Bancorp, Inc.
BULLISH
Price
$15.68
Market Cap
$122.9M
Sector
Financial Services
AI Confidence
75%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
LSBK
16.16
MA
30.28
Forward P/E
LSBK
--
MA
22.05
P/B Ratio
LSBK
0.81
MA
57.74
P/S Ratio
LSBK
4.39
MA
13.6
EV/EBITDA
LSBK
--
MA
22.13

Profitability

Gross Margin
LSBK
0.0%
MA
100.0%
Operating Margin
LSBK
33.37%
MA
57.73%
Profit Margin
LSBK
25.94%
MA
45.65%
ROE
LSBK
6.28%
MA
209.91%
ROA
LSBK
1.03%
MA
23.72%

Growth

Revenue Growth
LSBK
3.5%
MA
17.6%
Earnings Growth
LSBK
37.2%
MA
24.2%

Financial Health

Debt/Equity
LSBK
--
MA
2.56
Current Ratio
LSBK
--
MA
1.03
Quick Ratio
LSBK
--
MA
0.68

Dividends

Dividend Yield
LSBK
2.3%
MA
0.7%
Payout Ratio
LSBK
37.11%
MA
18.4%

AI Verdict

LSBK BULLISH

LSBK presents a strong value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a significant discount to its Graham Number ($20.52) and Intrinsic Value ($28.61). The company is trading below book value (P/B 0.81), which is a classic bullish indicator for regional banks. While revenue growth is modest at 3.50%, the company has demonstrated impressive earnings growth of 37.20% YoY. Despite a bearish technical trend score, the fundamental valuation and sustainable dividend payout suggest significant upside potential.

Strengths
Trading at a discount to book value (P/B 0.81)
Strong earnings growth (37.20% YoY and 31.70% Q/Q)
Significant margin of safety relative to Graham Number ($20.52)
Risks
Low Return on Equity (ROE) of 6.28% compared to industry leaders
Slow organic revenue growth (3.50% YoY)
Bearish technical trend (10/100) suggesting potential short-term momentum loss
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

LSBK vs MA: Head-to-Head Comparison

This page compares Lake Shore Bancorp, Inc. (LSBK) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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