Lake Shore Bancorp, Inc. (LSBK) vs SR Bancorp, Inc. (SRBK)

Lake Shore Bancorp, Inc. and SR Bancorp, Inc. are both Banks Regional companies. Lake Shore Bancorp, Inc. and SR Bancorp, Inc. are of similar size ($141.4M and $138.5M). Lake Shore Bancorp, Inc. trades at the lower P/E: 15.7× against 32.5×. SR Bancorp, Inc. grew revenue faster over the last twelve months: 18.3% against 5.63%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 8.89%) and the higher return on invested capital (8.79% vs 2.08%). Across the 19 metrics below, Lake Shore Bancorp, Inc. leads on 13 and SR Bancorp, Inc. on 6.

Valuation

Metric LSBK SRBK Banks Regional median
P/E 15.73 32.53 12.15
P/S 3.24 2.73 2.37
P/B 0.91 0.77 1.21
Price to free cash flow 12.48 18.45 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.50 2.40 2.27
Earnings yield 6.36% 3.07% 8.11%
Free cash flow yield 8.01% 5.42% 8.98%

Profitability

Metric LSBK SRBK Banks Regional median
Gross margin 73.50% 65.81% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.74% 8.89% 18.66%
Free cash flow margin 25.97% 14.77% 21.18%
Return on equity 7.06% 2.44% 10.64%
Return on assets 1.14% 0.42% 1.13%
Return on invested capital 8.79% 2.08% 8.33%

Growth

Metric LSBK SRBK Banks Regional median
Revenue growth (TTM) 5.63% 18.26% 6.61%
EPS growth (last fiscal year) 49.35% 138.25% —
Revenue growth, 5-year CAGR 7.68% 27.62% 12.30%
Net income growth, 5-year CAGR 9.78% 22.38% 9.71%

Health

Metric LSBK SRBK Banks Regional median
Debt to equity 0.00 0.27 0.22
Current ratio 1.10 1.04 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric LSBK SRBK Banks Regional median
Market cap 138.54m 141.36m 921.07m

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