Lake Shore Bancorp, Inc. (LSBK) vs Riverview Bancorp Inc (RVSB)

Lake Shore Bancorp, Inc. and Riverview Bancorp Inc are both Banks Regional companies. Lake Shore Bancorp, Inc. is the larger, with a market value of $138.5M against $117.7M — 1.2× the size. Riverview Bancorp Inc has negative trailing earnings, so its P/E is not meaningful; Lake Shore Bancorp, Inc. trades at 15.7×. Lake Shore Bancorp, Inc. grew revenue faster over the last twelve months: 5.63% against −11.2%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs −5.87%) and the higher return on invested capital (8.79% vs −3.72%). Both pay a dividend; Lake Shore Bancorp, Inc. yields more (5.94% vs 4.91%). Across the 19 metrics below, Lake Shore Bancorp, Inc. leads on 14 and Riverview Bancorp Inc on 5.

Valuation

Metric LSBK RVSB Banks Regional median
P/E 15.73 n/m 12.15
P/S 3.24 1.84 2.37
P/B 0.91 0.83 1.21
Price to free cash flow 12.48 8.68 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.50 0.98 2.27
Earnings yield 6.36% (3.19%) 8.11%
Free cash flow yield 8.01% 11.52% 8.98%

Profitability

Metric LSBK RVSB Banks Regional median
Gross margin 73.50% 68.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.74% (5.87%) 18.66%
Free cash flow margin 25.97% 21.18% 21.18%
Return on equity 7.06% (2.52%) 10.64%
Return on assets 1.14% (0.26%) 1.13%
Return on invested capital 8.79% (3.72%) 8.33%

Growth

Metric LSBK RVSB Banks Regional median
Revenue growth (TTM) 5.63% (11.21%) 6.61%
EPS growth (last fiscal year) 49.35% (191.30%) —
Revenue growth, 5-year CAGR 7.68% 1.73% 12.30%
Net income growth, 5-year CAGR 9.78% 0.00% 9.71%

Health

Metric LSBK RVSB Banks Regional median
Debt to equity 0.00 0.31 0.22
Current ratio 1.10 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LSBK RVSB Banks Regional median
Dividend yield 5.94% 4.91% 3.75%
Payout ratio 0.39 0.24 0.27

Size

Metric LSBK RVSB Banks Regional median
Market cap 138.54m 117.72m 921.07m

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