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FinWise Bancorp (FINW) vs Lake Shore Bancorp, Inc. (LSBK)

FinWise Bancorp and Lake Shore Bancorp, Inc. are both Banks Regional companies. FinWise Bancorp is the larger, with a market value of $187.9M against $145.7M — 1.3× the size. FinWise Bancorp trades at the lower P/E: 13.5× against 16.6×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against 5.63%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 6.53%) and the lower return on invested capital (8.79% vs 11.0%). Across the 17 metrics below, FinWise Bancorp leads on 9 and Lake Shore Bancorp, Inc. on 8.

Valuation

Metric FINW LSBK Banks Regional median
P/E 13.47 16.58 12.02
P/S 0.89 3.42 2.36
P/B 0.90 0.96 1.23
Price to free cash flow 34.92 13.16 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.42% 6.03% 8.21%
Free cash flow yield 2.86% 7.60% 9.23%

Profitability

Metric FINW LSBK Banks Regional median
Gross margin 89.27% 73.50% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.53% 20.74% 18.82%
Free cash flow margin 2.55% 25.97% 17.97%
Return on equity 6.94% 7.06% 10.28%
Return on assets 1.50% 1.14% 1.13%
Return on invested capital 10.95% 8.79% 8.45%

Growth

Metric FINW LSBK Banks Regional median
Revenue growth (TTM) 90.17% 5.63% 6.37%
EPS growth (last fiscal year) 21.51% 49.35% 18.85%
Revenue growth, 5-year CAGR 28.03% 7.68% 12.65%
Net income growth, 5-year CAGR 8.23% 9.78% 9.81%

Health

Metric FINW LSBK Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.88 1.10 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FINW LSBK Banks Regional median
Dividend yield — 1.92% 2.49%
Payout ratio — 0.32 0.29

Size

Metric FINW LSBK Banks Regional median
Market cap 187.87m 145.72m 934.85m

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