First Guaranty Bancshares, Inc. (FGBI) vs Lake Shore Bancorp, Inc. (LSBK)
- First Guaranty Bancshares, Inc. FGBI 8.22 +0.74%
- Lake Shore Bancorp, Inc. LSBK 18.23 +0.61%
First Guaranty Bancshares, Inc. and Lake Shore Bancorp, Inc. are both Banks Regional companies. First Guaranty Bancshares, Inc. and Lake Shore Bancorp, Inc. are of similar size ($142.3M and $135.0M). First Guaranty Bancshares, Inc. has negative trailing earnings, so its P/E is not meaningful; Lake Shore Bancorp, Inc. trades at 16.1×. Lake Shore Bancorp, Inc. grew revenue faster over the last twelve months: 5.63% against −8.17%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs −17.9%) and the higher return on invested capital (8.79% vs 0.00%). Both pay a dividend; Lake Shore Bancorp, Inc. yields more (1.97% vs 0.49%). Across the 18 metrics below, Lake Shore Bancorp, Inc. leads on 13 and First Guaranty Bancshares, Inc. on 5.
Valuation
Profitability
| Metric | FGBI | LSBK | Banks Regional median |
|---|---|---|---|
| Gross margin | 43.27% | 73.50% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (17.91%) | 20.74% | 18.66% |
| Free cash flow margin | 18.49% | 25.97% | 21.11% |
| Return on equity | (18.24%) | 7.06% | 10.65% |
| Return on assets | (0.98%) | 1.14% | 1.13% |
| Return on invested capital | 0.00% | 8.79% | 8.35% |
Growth
Health
Dividend
Size
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