LSBK vs PNBK

Comparison between Lake Shore Bancorp Inc (LSBK, Company) and Patriot National Bancorp Inc (PNBK, Company).

Both LSBK and PNBK are from the Financial Services sector.

LSBK vs PNBK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	LSBK(COMPANY)	PNBK(COMPANY)
Market Cap	$134M	$135M
Max Drawdown	6.85%	99.70%
Sharpe Ratio	1.85	-0.39
5Y Beta	0.16	0.76
Industry	Banks - Regional	Banks - Regional
P/E Ratio	16.43	-9.90
Forward P/E	14.37	23.75
PEG Ratio	0.27	0.00
Dividend Yield	2.09%	N/A
5Y EPS CAGR	N/A	2.96%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	6.75%	-8.85%
P/S Ratio	4.48	4.14
P/B Ratio	0.93	1.48

Market Cap

LSBK

$134M

Winner

PNBK

$135M

Max Drawdown

Winner

LSBK

6.85%

PNBK

99.70%

Sharpe Ratio

Winner

LSBK

1.85

PNBK

-0.39

5Y Beta

Winner

LSBK

0.16

PNBK

0.76

Industry

LSBK

Banks - Regional

PNBK

Banks - Regional

P/E Ratio

LSBK

16.43

Winner

PNBK

-9.90

Forward P/E

Winner

LSBK

14.37

PNBK

23.75

PEG Ratio

LSBK

0.27

Winner

PNBK

0.00

Dividend Yield

LSBK

2.09%

PNBK

N/A

5Y EPS CAGR

LSBK

N/A

PNBK

2.96%

Debt to Equity

LSBK

0.00%

PNBK

0.00%

Free Cash Flow Yield

Winner

LSBK

6.75%

PNBK

-8.85%

P/S Ratio

LSBK

4.48

Winner

PNBK

4.14

P/B Ratio

Winner

LSBK

0.93

PNBK

1.48

LSBK vs PNBK - Historical Returns

Returns include dividend reinvestment.

Period	LSBK	PNBK
1 month	+1.35%	-8.06%
3 months	+8.70%	+8.57%
6 months	+12.80%	-24.00%
1 year	+41.87%	-38.04%
5 years(CAGR)	N/A	-33.85%
10 years(CAGR)	N/A	-21.73%
Max(CAGR)	+45.56%	-15.38%

Winner

LSBK

+1.35%

PNBK

-8.06%

Winner

LSBK

+8.70%

PNBK

+8.57%

Winner

LSBK

+12.80%

PNBK

-24.00%

Winner

LSBK

+41.87%

PNBK

-38.04%

5Y(CAGR)

LSBK

N/A

PNBK

-33.85%

10Y(CAGR)

LSBK

N/A

PNBK

-21.73%

Max(CAGR)

Winner

LSBK

+45.56%

PNBK

-15.38%

LSBK vs PNBK - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	LSBK	PNBK
2026	+18.71%	-31.74%
2025	+24.37%	-2.67%
2024	N/A	-51.60%
2023	N/A	-63.87%
2022	N/A	-31.52%
2021	N/A	+59.65%
2020	N/A	-22.46%
2019	N/A	-10.19%
2018	N/A	-20.36%
2017	N/A	+27.20%
2016	N/A	-9.41%
2015	N/A	-17.50%
2014	N/A	+56.53%
2013	N/A	-13.33%
2012	N/A	-28.57%
2011	N/A	-18.98%
2010	N/A	+31.25%
2009	N/A	-79.44%
2008	N/A	-56.25%
2007	N/A	-38.53%
2006	N/A	+27.71%
2005	N/A	+14.30%
2004	N/A	+48.86%
2003	N/A	+32.67%
2002	N/A	+14.52%
2001	N/A	+4.50%
2000	N/A	-40.82%
1999	N/A	+14.52%

LSBK vs PNBK Drawdown Comparison

The maximum drawdown for LSBK was -6.85%, occurring on Oct 17, 2025. Recovery took 40 trading sessions.

The maximum drawdown for PNBK was -99.69%, occurring on Jun 17, 2025. This drawdown has not yet recovered.

The current LSBK drawdown is -3.20%. The current PNBK drawdown is -99.61%.

Rank	LSBK	PNBK
#1	-6.85% Aug 29, 2025 - Oct 27, 2025	-99.69% Jul 6, 2006 - Jun 17, 2025
#2	-6.75% Mar 5, 2026 - Apr 9, 2026	-52.24% Dec 6, 1999 - Dec 31, 2003
#3	-5.67% Jun 30, 2026 - Jul 2, 2026	-14.02% Jan 30, 2004 - Dec 3, 2004
#4	-3.62% Jun 18, 2026 - Jun 30, 2026	-13.67% Feb 22, 2006 - Apr 13, 2006
#5	-3.45% Dec 3, 2025 - Jan 13, 2026	-8.79% Nov 10, 1999 - Nov 19, 1999
#6	-3.08% Nov 5, 2025 - Nov 10, 2025	-7.77% Apr 29, 2005 - Oct 19, 2005
#7	-3.02% Nov 11, 2025 - Dec 1, 2025	-6.00% Nov 22, 1999 - Nov 30, 1999
#8	-2.57% May 5, 2026 - Jun 9, 2026	-5.49% Jan 18, 2006 - Feb 3, 2006
#9	-2.03% Jun 12, 2026 - Jun 17, 2026	-4.35% Oct 19, 2005 - Nov 11, 2005
#10	-1.88% Jan 14, 2026 - Jan 22, 2026	-4.10% Jan 9, 2004 - Jan 21, 2004
#11	-1.80% Jun 9, 2026 - Jun 11, 2026	-3.43% Jun 8, 2006 - Jul 6, 2006
#12	-1.73% Jul 22, 2025 - Jul 31, 2025	-2.82% Dec 22, 2005 - Jan 18, 2006
#13	-1.55% Feb 2, 2026 - Feb 12, 2026	-2.72% Dec 31, 2004 - Apr 14, 2005
#14	-1.42% Jan 22, 2026 - Feb 2, 2026	-2.60% Nov 11, 2005 - Nov 23, 2005
#15	-1.22% Feb 19, 2026 - Mar 5, 2026	-2.37% Apr 20, 2005 - Apr 25, 2005

Correlation

Correlation between LSBK and PNBK is -0.62 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.62

-101

Dividend Comparison (2001 - 2026)

LSBK vs PNBK dividend yield comparison.

Year	LSBK	PNBK
2026	1.57%	0.00%
2025	1.23%	0.00%
2019	0.00%	0.31%
2018	0.00%	0.28%
2017	0.00%	0.11%
2009	0.00%	2.97%
2008	0.00%	1.97%
2007	0.00%	1.13%
2006	0.00%	0.66%
2005	0.00%	0.75%
2004	0.00%	0.90%
2003	0.00%	0.68%
2002	0.00%	1.01%
2001	0.00%	0.72%