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Lake Shore Bancorp, Inc. (LSBK) vs Winchester Bancorp, Inc. (WSBK)

Lake Shore Bancorp, Inc. and Winchester Bancorp, Inc. are both Banks Regional companies. Lake Shore Bancorp, Inc. is the larger, with a market value of $145.7M against $122.3M — 1.2× the size. Lake Shore Bancorp, Inc. trades at the lower P/E: 16.6× against 26.3×. Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 18.7% against 5.63%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 8.70%) and the higher return on invested capital (8.79% vs 1.40%). Across the 16 metrics below, Lake Shore Bancorp, Inc. leads on 12 and Winchester Bancorp, Inc. on 4.

Valuation

Metric LSBK WSBK Banks Regional median
P/E 16.58 26.25 12.02
P/S 3.42 2.26 2.36
P/B 0.96 1.02 1.23
Price to free cash flow 13.16 21.76 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.03% 3.81% 8.21%
Free cash flow yield 7.60% 4.60% 9.23%

Profitability

Metric LSBK WSBK Banks Regional median
Gross margin 73.50% 51.81% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.74% 8.70% 18.82%
Free cash flow margin 25.97% 10.37% 17.97%
Return on equity 7.06% 4.00% 10.28%
Return on assets 1.14% 0.44% 1.13%
Return on invested capital 8.79% 1.40% 8.45%

Growth

Metric LSBK WSBK Banks Regional median
Revenue growth (TTM) 5.63% 18.74% 6.37%
EPS growth (last fiscal year) 49.35% 590.00% 18.85%
Revenue growth, 5-year CAGR 7.68% — 12.65%
Net income growth, 5-year CAGR 9.78% — 9.81%

Health

Metric LSBK WSBK Banks Regional median
Debt to equity 0.00 1.25 0.17
Current ratio 1.10 1.15 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LSBK WSBK Banks Regional median
Dividend yield 1.92% — 2.49%
Payout ratio 0.32 — 0.29

Size

Metric LSBK WSBK Banks Regional median
Market cap 145.72m 122.31m 934.85m

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