Lake Shore Bancorp, Inc. (LSBK) vs Sound Financial Bancorp, Inc. (SFBC)

Lake Shore Bancorp, Inc. and Sound Financial Bancorp, Inc. are both Banks Regional companies. Lake Shore Bancorp, Inc. is the larger, with a market value of $138.5M against $118.1M — 1.2× the size. Sound Financial Bancorp, Inc. trades at the lower P/E: 13.7× against 15.7×. Lake Shore Bancorp, Inc. grew revenue faster over the last twelve months: 5.63% against −0.76%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 12.8%) and the lower return on invested capital (8.79% vs 1,916.1%). Both pay a dividend; Lake Shore Bancorp, Inc. yields more (5.94% vs 2.33%). Across the 20 metrics below, Lake Shore Bancorp, Inc. leads on 12 and Sound Financial Bancorp, Inc. on 8.

Valuation

Metric LSBK SFBC Banks Regional median
P/E 15.73 13.69 12.15
P/S 3.24 1.76 2.37
P/B 0.91 0.97 1.21
Price to free cash flow 12.48 14.94 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.50 (0.04) 2.27
Earnings yield 6.36% 7.30% 8.11%
Free cash flow yield 8.01% 6.70% 8.98%

Profitability

Metric LSBK SFBC Banks Regional median
Gross margin 73.50% 64.69% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.74% 12.84% 18.66%
Free cash flow margin 25.97% 11.77% 21.18%
Return on equity 7.06% 7.33% 10.64%
Return on assets 1.14% 0.75% 1.13%
Return on invested capital 8.79% 1,916.08% 8.33%

Growth

Metric LSBK SFBC Banks Regional median
Revenue growth (TTM) 5.63% (0.76%) 6.61%
EPS growth (last fiscal year) 49.35% 53.89% —
Revenue growth, 5-year CAGR 7.68% 7.74% 12.30%
Net income growth, 5-year CAGR 9.78% (4.41%) 9.71%

Health

Metric LSBK SFBC Banks Regional median
Debt to equity 0.00 0.07 0.22
Current ratio 1.10 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LSBK SFBC Banks Regional median
Dividend yield 5.94% 2.33% 3.75%
Payout ratio 0.39 0.17 0.27

Size

Metric LSBK SFBC Banks Regional median
Market cap 138.54m 118.13m 921.07m

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