LSBK vs SPY

Comparison between Lake Shore Bancorp Inc (LSBK, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

LSBK vs SPY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	LSBK(COMPANY)	SPY(ETF)
Market Cap / Net Assets	$123M	$735B
Expense Ratio	N/A	0.09%
Max Drawdown	6.85%	56.47%
Sharpe Ratio	2.09	2.00
5Y Beta	0.16	1.00
Industry	Banks - Regional	N/A
P/E Ratio	15.02	28.99
Forward P/E	14.37	22.43
PEG Ratio	0.24	N/A
Dividend Yield	2.31%	N/A
5Y Dividends CAGR	N/A	5.43%
5Y EPS CAGR	N/A	26.05%
Debt to Equity	0.00%	32.40%
Free Cash Flow Yield	7.38%	N/A
P/S Ratio	4.18	3.74
P/B Ratio	0.86	5.61

Market Cap / Net Assets

LSBK

$123M

Winner

SPY

$735B

Expense Ratio

LSBK

N/A

SPY

0.09%

Max Drawdown

Winner

LSBK

6.85%

SPY

56.47%

Sharpe Ratio

Winner

LSBK

2.09

SPY

2.00

5Y Beta

Winner

LSBK

0.16

SPY

1.00

Industry

LSBK

Banks - Regional

SPY

N/A

P/E Ratio

Winner

LSBK

15.02

SPY

28.99

Forward P/E

Winner

LSBK

14.37

SPY

22.43

PEG Ratio

LSBK

0.24

SPY

N/A

Dividend Yield

LSBK

2.31%

SPY

N/A

5Y Dividends CAGR

LSBK

N/A

SPY

5.43%

5Y EPS CAGR

LSBK

N/A

SPY

26.05%

Debt to Equity

Winner

LSBK

0.00%

SPY

32.40%

Free Cash Flow Yield

LSBK

7.38%

SPY

N/A

P/S Ratio

LSBK

4.18

Winner

SPY

3.74

P/B Ratio

Winner

LSBK

0.86

SPY

5.61

LSBK vs SPY - Historical Returns

Returns include dividend reinvestment.

Period	LSBK	SPY
1 month	-0.85%	+5.40%
3 months	+2.19%	+10.97%
6 months	+6.56%	+12.09%
1 year	+35.24%	+29.62%
5 years(CAGR)	N/A	+14.12%
10 years(CAGR)	N/A	+15.55%
Max(CAGR)	+41.76%	+8.59%

LSBK

-0.85%

Winner

SPY

+5.40%

LSBK

+2.19%

Winner

SPY

+10.97%

LSBK

+6.56%

Winner

SPY

+12.09%

Winner

LSBK

+35.24%

SPY

+29.62%

5Y(CAGR)

LSBK

N/A

SPY

+14.12%

10Y(CAGR)

LSBK

N/A

SPY

+15.55%

Max(CAGR)

Winner

LSBK

+41.76%

SPY

+8.59%

LSBK vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	LSBK	SPY
2026	+8.52%	+11.49%
2025	+24.37%	+18.00%
2024	N/A	+25.59%
2023	N/A	+26.72%
2022	N/A	-18.64%
2021	N/A	+30.52%
2020	N/A	+17.28%
2019	N/A	+31.09%
2018	N/A	-5.24%
2017	N/A	+20.78%
2016	N/A	+13.59%
2015	N/A	+1.31%
2014	N/A	+14.56%
2013	N/A	+29.00%
2012	N/A	+14.17%
2011	N/A	+0.85%
2010	N/A	+13.14%
2009	N/A	+22.67%
2008	N/A	-36.25%
2007	N/A	+5.32%
2006	N/A	+13.85%
2005	N/A	+5.32%
2004	N/A	+10.75%
2003	N/A	+24.18%
2002	N/A	-22.42%
2001	N/A	-10.13%
2000	N/A	-8.84%
1999	N/A	+8.61%

LSBK vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current LSBK drawdown is -1.31%.

Rank	LSBK	SPY
#1	-6.85% Aug 29, 2025 - Oct 27, 2025	-55.20% Oct 9, 2007 - Aug 16, 2012
#2	-6.75% Mar 5, 2026 - Apr 9, 2026	-47.50% Mar 24, 2000 - Oct 26, 2006
#3	-3.45% Dec 3, 2025 - Jan 13, 2026	-33.70% Feb 19, 2020 - Aug 10, 2020
#4	-3.08% Nov 5, 2025 - Nov 10, 2025	-24.50% Jan 3, 2022 - Dec 13, 2023
#5	-3.02% Nov 11, 2025 - Dec 1, 2025	-19.34% Sep 20, 2018 - Apr 12, 2019
#6	-2.57% May 5, 2026 - May 29, 2026	-18.76% Feb 19, 2025 - Jun 26, 2025
#7	-1.88% Jan 14, 2026 - Jan 22, 2026	-13.02% Jul 20, 2015 - Apr 18, 2016
#8	-1.73% Jul 22, 2025 - Jul 31, 2025	-10.10% Jan 26, 2018 - Aug 6, 2018
#9	-1.55% Feb 2, 2026 - Feb 12, 2026	-9.44% Sep 2, 2020 - Nov 11, 2020
#10	-1.42% Jan 22, 2026 - Feb 2, 2026	-9.30% Jan 19, 2000 - Mar 17, 2000
#11	-1.22% Feb 19, 2026 - Mar 5, 2026	-9.05% Jul 19, 2007 - Oct 5, 2007
#12	-1.22% Jul 31, 2025 - Aug 5, 2025	-8.88% Jan 27, 2026 - Apr 14, 2026
#13	-0.79% Aug 8, 2025 - Aug 12, 2025	-8.41% Jul 16, 2024 - Sep 19, 2024
#14	-0.71% Aug 12, 2025 - Aug 21, 2025	-7.35% Sep 14, 2012 - Jan 2, 2013
#15	-0.64% Apr 9, 2026 - Apr 17, 2026	-7.27% Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between LSBK and SPY is 0.77 which considered as a strong positive correlation - the stocks tend to move together.

0.77

-101

Dividend Comparison (1999 - 2026)

LSBK vs SPY dividend yield comparison.

Year	LSBK	SPY
2026	1.14%	0.24%
2025	1.23%	1.07%
2024	0.00%	1.21%
2023	0.00%	1.40%
2022	0.00%	1.65%
2021	0.00%	1.20%
2020	0.00%	1.52%
2019	0.00%	1.75%
2018	0.00%	2.04%
2017	0.00%	1.80%
2016	0.00%	2.03%
2015	0.00%	2.06%
2014	0.00%	1.87%
2013	0.00%	1.81%
2012	0.00%	2.18%
2011	0.00%	2.05%
2010	0.00%	1.80%
2009	0.00%	1.95%
2008	0.00%	3.02%
2007	0.00%	1.85%
2006	0.00%	1.73%
2005	0.00%	1.73%
2004	0.00%	1.82%
2003	0.00%	1.47%
2002	0.00%	1.70%
2001	0.00%	1.25%
2000	0.00%	1.15%
1999	0.00%	0.24%