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Eagle Bancorp Montana, Inc. (EBMT) vs Lake Shore Bancorp, Inc. (LSBK)

Eagle Bancorp Montana, Inc. and Lake Shore Bancorp, Inc. are both Banks Regional companies. Eagle Bancorp Montana, Inc. is the larger, with a market value of $164.7M against $142.3M — 1.2× the size. Eagle Bancorp Montana, Inc. trades at the lower P/E: 10.2× against 16.1×. Lake Shore Bancorp, Inc. grew revenue faster over the last twelve months: 5.63% against 2.18%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 12.6%) and the higher return on invested capital (8.79% vs 4.94%). Both pay a dividend; Eagle Bancorp Montana, Inc. yields more (2.78% vs 1.97%). Across the 19 metrics below, Eagle Bancorp Montana, Inc. leads on 10 and Lake Shore Bancorp, Inc. on 9.

Valuation

Metric EBMT LSBK Banks Regional median
P/E 10.18 16.13 11.98
P/S 1.28 3.32 2.34
P/B 0.83 0.93 1.19
Price to free cash flow 8.69 12.80 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.82% 6.20% 8.23%
Free cash flow yield 11.51% 7.81% 9.08%

Profitability

Metric EBMT LSBK Banks Regional median
Gross margin 74.69% 73.50% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.57% 20.74% 18.66%
Free cash flow margin 14.78% 25.97% 21.11%
Return on equity 8.50% 7.06% 10.65%
Return on assets 0.75% 1.14% 1.13%
Return on invested capital 4.94% 8.79% 8.35%

Growth

Metric EBMT LSBK Banks Regional median
Revenue growth (TTM) 2.18% 5.63% 6.98%
EPS growth (last fiscal year) 53.23% 49.35% 18.88%
Revenue growth, 5-year CAGR 5.18% 7.68% 12.38%
Net income growth, 5-year CAGR (6.90%) 9.78% 9.71%

Health

Metric EBMT LSBK Banks Regional median
Debt to equity 0.49 0.00 0.22
Current ratio 0.87 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBMT LSBK Banks Regional median
Dividend yield 2.78% 1.97% 2.57%
Payout ratio 0.29 0.32 0.30

Size

Metric EBMT LSBK Banks Regional median
Market cap 164.72m 142.31m 913.33m

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