Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation
Lakeside Bancshares Inc (LKSB) fair value: what the stock is really worth
As of Jul 13, 2026: fair value of Lakeside Bancshares Inc $10.99, price $19.25, upside -42.9%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
- Add to watchlist
LB
Some data
Sep 24, 2026
Some data
Sep 24, 2026
Lakeside Bancshares Inc
LKSB · USStretched ValuationStrong overvaluation with only moderate quality.
!Fair value $10.99 · Strongly overvalued (−42.9%)
!Quality 51/100
!Mixed Growth (revenue 3y +19.9 %/yr)
!Thin margins · 8.8% net margin (FY2024)
✓generates free cash flow
!Trails peers (1/11)
!Narrow moat 40/100
!Evidence only medium, so the estimate is less certain
Watch Lakeside Bancshares Inc for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.
Watch for free
Pro now: $1 first month
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $8.58 – $19.25 · fair‑value band $8.24 – $13.73 · the $19.25 price screens above the $10.99 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Follow Lakeside Bancshares in your weekly email
Every Wednesday you see whether Lakeside Bancshares is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Lakeside Bancshares, Inc. operates as the bank holding company for Lakeside Bank that provides various banking products and services in Southwest Louisiana. The company accepts various deposits, such as checking and savings accounts.
Show more
Lakeside Bancshares, Inc. operates as the bank holding company for Lakeside Bank that provides various banking products and services in Southwest Louisiana. The company accepts various deposits, such as checking and savings accounts. Its loan products include construction, mortgage, property, home equity lines of credit personal, auto, recreational vehicle, and business loans. The company also offers debit and credit cards; and electronic banking, wire transfers, ATMs, order checks, and remote deposit services. Lakeside Bancshares, Inc. was founded in 2010 and is based in Lake Charles, Louisiana.
Stock analysis
Lakeside Bancshares Inc (LKSB) currently trades at $19.25, while our model-based Fair Value estimate is $10.99, 42.9% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Economic Profit group reads highest at a median of $12.00 per share, and 0 of the 4 models we run sit above the $19.25 price.
Bear case: the Multiples group reads lowest at $9.53, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $8.24 (bear) to $13.73 (bull), the price of $19.25 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Lakeside Bancshares Inc reported revenue of $17.4M in FY2024 versus $8.4M in FY2020, a compound +19.9%/yr. Reported net income was $1.5M in FY2024, compounding +13.1%/yr from FY2020.
Key figures
Market cap $40.4M · P/E ratio 26.4 · P/S ratio 2.33 · EPS (TTM) $0.7300 · Net margin 8.8% · Return on assets (EBIT) 0.6% · Free cash flow $1.7M · Net debt $26.7M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 91% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −43%, LKSB screens richer than that median.
Fair Value models
Bear $8.24
Fair Value $10.99
Bull $13.73
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then ($0.7300 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
$12.06
$12.00
$12.53
68
P/E Multiple
$7.15
$9.53
$11.91
63
P/B Multiple
$9.34
$12.46
$15.57
55
All 4 models by family
Multiples
P/E Multiple
$7.15
$9.53
$11.91
63
P/B Multiple
$9.34
$12.46
$15.57
55
Asset-Based
NCAV (Graham)
$8.10
$10.85
$16.19
51
Economic Profit
Residual Income
$12.06
$12.00
$12.53
68
Notify me when LKSB reaches fair value
Put LKSB on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Overall quality
51/100
Of which business quality 49 · Market factors (momentum, volatility) 69
Profitability
20
Margins and returns on capital today
Quality Growth
41
Are margins and returns improving?
Cashflow
59
Earnings quality: real cash, not paper profit
Fin. Strength
31
Balance sheet, leverage, solvency risk
Investment
83
Disciplined investing over empire-building
Low Volatility
22
Calm price path (market factor)
Momentum
82
Price trend over the last 3–12 months (market factor)
52W Momentum
98
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+49.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.9%
’20
’21
’22
’23
’24
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.4%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 11%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−22.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −24.6% a year for the price.
LKSB screens overvalued: fair value 43% below the price. Compare with DBS Group →
Compare Lakeside Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 1/10 measures
Overall it trails its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
Explore undervalued stocks
More undervalued Financial Services stocks →
All undervalued stocks
TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
🥇 Backtested Best
🏆 Big Names
⭐ Top Rated
💎 Quality on Sale
🚀 Profitable Growth
🧊 Quality Compounders
💵 Dividend Stars
📈 Strong Momentum
📉 Fallen Angels
⚖️ Deeply Undervalued
🔍 Small-Cap Gems
🏰 Moat at a Fair Price
💼 Insider Buying
🎩 Buffett-Style Quality
📚 Peter Lynch GARP
🧮 Greenblatt Magic Formula
🛡️ Graham Defensive
Discover tools
Stock screenerFilter by region, size and sector
Compare toolTwo stocks side by side
Extrinsic Value Calculator…Calculator with industry benchmark
Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
Frequently asked questions
Is Lakeside Bancshares Inc (LKSB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $10.99 versus the last price from Jul 13, 2026 of $19.25, about −43% upside (overvalued).
What is the fair value of LKSB?
Our model-based fair value for Lakeside Bancshares Inc is $10.99 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 13, 2026): $19.25.
What is the quality score of LKSB?
Lakeside Bancshares Inc has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Lakeside Bancshares Inc (LKSB)?
Our model-based price target is the fair value of $10.99 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $8.24, optimistic scenario $13.73. It is a calculation from audited fundamentals, not an analyst target.
What is the Lakeside Bancshares Inc stock forecast for 2026?
Our models put fair value at $10.99, about −43% upside versus the last price from Jul 13, 2026 of $19.25 (overvalued). Cautious scenario $8.24, optimistic scenario $13.73. The calculation is refreshed regularly with new filings.
What growth is priced into Lakeside Bancshares Inc (LKSB)?
For today's price to be fair in a discounted-cash-flow model, Lakeside Bancshares Inc would have to grow free cash flow by -22.8 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +19.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of LKSB use?
Our models discount Lakeside Bancshares Inc at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Lakeside Bancshares Inc that is -22.8 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Lakeside Bancshares Inc (LKSB) delivered so far?
Over the past 4 years revenue at Lakeside Bancshares Inc grew +19.9 % a year. The price currently implies -22.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Lakeside Bancshares Inc (LKSB) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Lakeside Bancshares Inc (-22.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Lakeside Bancshares Inc (LKSB)?
The free-cash-flow yield on the price is 4.31 %: that much free cash flow Lakeside Bancshares Inc produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Lakeside Bancshares Inc (LKSB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lakeside Bancshares Inc it is $10.99 per share (as of Sep 24, 2026), against a price of $19.25. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Lakeside Bancshares Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, LKSB trades above its calculated fair value: price $19.25, fair value $10.99, a gap of about −43% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LKSB?
No. The price is what the market pays today ($19.25); the fair value is what the company's own numbers justify ($10.99). For Lakeside Bancshares Inc the two are $8.26 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lakeside Bancshares Inc worth?
The market values Lakeside Bancshares Inc at about $40.4M (market capitalisation, as of Sep 24, 2026). Per share that is $19.25; our models calculate a fair value of $10.99 per share.
What do the bullish and bearish scenarios say about LKSB?
Our models span a range for Lakeside Bancshares Inc: cautious scenario $8.24, base $10.99, optimistic $13.73 per share (as of Sep 24, 2026, price $19.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LKSB?
Lakeside Bancshares Inc trades at a price-to-earnings ratio of 26.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.99 is built from several models across several years. Other multiples: P/B 1.2, EV/EBITDA 2.6.
How far is LKSB from its 52-week high?
Lakeside Bancshares Inc trades at $19.25, at its 52-week high of $19.25 and 91% above the low of $10.10 (as of Jul 13, 2026). Distance from the high says nothing about value: that is what the fair value of $10.99 is for.
Which stocks are comparable to Lakeside Bancshares Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Lakeside Bancshares Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $19.25, calculated fair value $10.99 (−43%), Quality Score 51/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LKSB calculated?
We run Lakeside Bancshares Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $10.99, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Lakeside Bancshares Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Lakeside Bancshares Inc (LKSB)?
The latest price we hold is from Jul 13, 2026 and stands at $19.25. Our model-based fair value is $10.99, about −43% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lakeside Bancshares Inc right now?
The price sits above even our optimistic bull case ($13.73). The favourable scenario is already priced in. Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Lakeside Bancshares Inc
How large is the market capitalisation of Lakeside Bancshares Inc (LKSB)?
The market capitalisation of Lakeside Bancshares Inc is $40.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Lakeside Bancshares Inc (LKSB)?
The price-to-sales ratio of Lakeside Bancshares Inc is 2.33 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lakeside Bancshares Inc (LKSB)?
Earnings per share at Lakeside Bancshares Inc are $0.7300 (price ÷ EPS = P/E 26.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lakeside Bancshares Inc (LKSB)?
The net margin of Lakeside Bancshares Inc is 8.8% (fiscal year 2024). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Lakeside Bancshares Inc (LKSB)?
On an EBIT basis the return on assets of Lakeside Bancshares Inc is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much net debt does Lakeside Bancshares Inc (LKSB) carry?
The net debt of Lakeside Bancshares Inc is $26.7M (fiscal year 2024, ≈ 15.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Lakeside Bancshares Inc in the live analysis
One click puts Lakeside Bancshares Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.