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Lake Shore Bancorp, Inc. (LSBK) vs MainStreet Bank (MNSB)

Lake Shore Bancorp, Inc. and MainStreet Bank are both Banks Regional companies. Lake Shore Bancorp, Inc. and MainStreet Bank are of similar size ($154.1M and $145.7M). MainStreet Bank trades at the lower P/E: 10.6× against 16.6×. Lake Shore Bancorp, Inc. grew revenue faster over the last twelve months: 5.63% against −6.22%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 11.6%) and the higher return on invested capital (8.79% vs 8.06%). 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 10 and MainStreet Bank on 9.

Valuation

Metric LSBK MNSB Banks Regional median
P/E 16.58 10.61 12.02
P/S 3.42 1.19 2.36
P/B 0.96 0.83 1.23
Price to free cash flow 13.16 6.66 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.03% 9.42% 8.21%
Free cash flow yield 7.60% 15.01% 9.23%

Profitability

Metric LSBK MNSB Banks Regional median
Gross margin 73.50% 55.96% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.74% 11.59% 18.82%
Free cash flow margin 25.97% 17.81% 17.97%
Return on equity 7.06% 8.13% 10.28%
Return on assets 1.14% 0.70% 1.13%
Return on invested capital 8.79% 8.06% 8.45%

Growth

Metric LSBK MNSB Banks Regional median
Revenue growth (TTM) 5.63% (6.22%) 6.37%
EPS growth (last fiscal year) 49.35% 210.00% 18.85%
Revenue growth, 5-year CAGR 7.68% 14.30% 12.65%
Net income growth, 5-year CAGR 9.78% (2.25%) 9.81%

Health

Metric LSBK MNSB Banks Regional median
Debt to equity 0.00 0.33 0.17
Current ratio 1.10 1.06 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LSBK MNSB Banks Regional median
Dividend yield 1.92% 1.85% 2.49%
Payout ratio 0.32 0.20 0.29

Size

Metric LSBK MNSB Banks Regional median
Market cap 145.72m 154.06m 934.85m

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