Hoyne Bancorp, Inc. (HYNE) vs Lake Shore Bancorp, Inc. (LSBK)

Hoyne Bancorp, Inc. and Lake Shore Bancorp, Inc. are both Banks Regional companies. Hoyne Bancorp, Inc. and Lake Shore Bancorp, Inc. are of similar size ($138.5M and $133.0M). Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 1.14%) and the higher return on invested capital (8.79% vs 0.02%). Across the 11 metrics below, Lake Shore Bancorp, Inc. leads on 9 and Hoyne Bancorp, Inc. on 2.

Valuation

Metric HYNE LSBK Banks Regional median
P/E — 15.73 12.15
P/S 5.39 3.24 2.37
P/B 0.76 0.91 1.21
Price to free cash flow n/m 12.48 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.24 1.50 2.27
Earnings yield — 6.36% 8.11%
Free cash flow yield (3.50%) 8.01% 8.98%

Profitability

Metric HYNE LSBK Banks Regional median
Gross margin 77.92% 73.50% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.14% 20.74% 18.66%
Free cash flow margin (18.89%) 25.97% 21.18%
Return on equity 0.21% 7.06% 10.64%
Return on assets 0.11% 1.14% 1.13%
Return on invested capital 0.02% 8.79% 8.33%

Growth

Metric HYNE LSBK Banks Regional median
Revenue growth (TTM) — 5.63% 6.61%
EPS growth (last fiscal year) — 49.35% —
Revenue growth, 5-year CAGR — 7.68% 12.30%
Net income growth, 5-year CAGR — 9.78% 9.71%

Health

Metric HYNE LSBK Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.98 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HYNE LSBK Banks Regional median
Dividend yield — 5.94% 3.75%
Payout ratio — 0.39 0.27

Size

Metric HYNE LSBK Banks Regional median
Market cap 133.03m 138.54m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack