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Hanover Bancorp, Inc. (HNVR) vs Lake Shore Bancorp, Inc. (LSBK)

Hanover Bancorp, Inc. and Lake Shore Bancorp, Inc. are both Banks Regional companies. Hanover Bancorp, Inc. and Lake Shore Bancorp, Inc. are of similar size ($153.7M and $145.7M). Lake Shore Bancorp, Inc. trades at the lower P/E: 16.6× against 17.0×. Lake Shore Bancorp, Inc. grew revenue faster over the last twelve months: 5.63% against −4.37%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 6.55%) and the higher return on invested capital (8.79% vs 8.61%). Both pay a dividend; Lake Shore Bancorp, Inc. yields more (1.92% vs 1.85%). Across the 19 metrics below, Lake Shore Bancorp, Inc. leads on 14 and Hanover Bancorp, Inc. on 5.

Valuation

Metric HNVR LSBK Banks Regional median
P/E 17.00 16.58 12.02
P/S 1.11 3.42 2.36
P/B 0.79 0.96 1.23
Price to free cash flow 5.98 13.16 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.88% 6.03% 8.21%
Free cash flow yield 16.71% 7.60% 9.23%

Profitability

Metric HNVR LSBK Banks Regional median
Gross margin 53.37% 73.50% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.55% 20.74% 18.82%
Free cash flow margin 18.47% 25.97% 17.97%
Return on equity 4.72% 7.06% 10.28%
Return on assets 0.40% 1.14% 1.13%
Return on invested capital 8.61% 8.79% 8.45%

Growth

Metric HNVR LSBK Banks Regional median
Revenue growth (TTM) (4.37%) 5.63% 6.37%
EPS growth (last fiscal year) (39.76%) 49.35% 18.85%
Revenue growth, 5-year CAGR 28.13% 7.68% 12.65%
Net income growth, 5-year CAGR (7.64%) 9.78% 9.81%

Health

Metric HNVR LSBK Banks Regional median
Debt to equity 0.17 0.00 0.17
Current ratio 1.03 1.10 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HNVR LSBK Banks Regional median
Dividend yield 1.85% 1.92% 2.49%
Payout ratio 0.32 0.32 0.29

Size

Metric HNVR LSBK Banks Regional median
Market cap 153.74m 145.72m 934.85m

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