Lake Shore Bancorp vs Riverview Bancorp
LSBK and RVSB side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How LSBK and RVSB compare
Lake Shore Bancorp and Riverview Bancorp are about the same size, with market caps of $149M and $133M.
Lake Shore Bancorp grew revenue faster over the last twelve months (12.3% versus −11.2% for Riverview Bancorp).
Lake Shore Bancorp keeps more of each dollar of sales as profit, with a net margin of 27.6% compared with −6.4% at Riverview Bancorp.
Both pay dividends: Lake Shore Bancorp yields 1.9% and Riverview Bancorp 1.2%.
Lake Shore Bancorp scores higher on the StockData Score (9 against 8 for Riverview Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | LSBK | RVSB |
|---|---|---|
| Size and price | ||
| Market cap | $149M | $133M |
| Share price | $18.96 | $6.68 |
| Change, 1 year | 32.1% | 24.2% |
| Change, 5 years | 25.5% | −15.0% |
| Beta (5Y) | 0.26 | 0.32 |
| Employees | 87 | 243 |
| StockData Score | ||
| Total score | 9 (better) | 8 |
| Valuation score | 0 | 2 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 3 (better) | 0 |
| Health score | 1 | 4 (better) |
| Dividend score | 2 | 2 |
| Valuation | ||
| P/E | 16.9× | – |
| P/S | 4.9× | 2.9× (better) |
| P/B | 1.1× | 1.0× (better) |
| P/FCF | – | 49.8× |
| FCF yield | – | 2.0% |
| Fair value | $16.73 | – |
| Margin of safety | −13.3% | – |
| Growth | ||
| Revenue growth (TTM) | 12.3% (better) | −11.2% |
| Revenue growth, 5Y average | 99.6% (better) | −5.1% |
| Net income growth (TTM) | 22.6% (better) | −164% |
| EPS growth (TTM) | 24.4% (better) | −164% |
| EPS growth, 5Y average | 4.7% | – |
| Profitability | ||
| Net margin | 27.6% (better) | −6.4% |
| FCF margin | – | 5.7% |
| Return on equity | 5.9% (better) | −2.0% |
| Financial health | ||
| Altman Z-score | 0.37 (better) | 0.20 |
| Piotroski F-score | 7 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 1.9% (better) | 1.2% |
| Payout ratio | 31.7% | – |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | −8.7% (better) | −16.7% |
| Buyback yield | 1.3% | 4.5% (better) |
| Shareholder yield | 3.2% | 5.7% (better) |
| Ownership | ||
| Held by institutions | 29.1% | 65.6% |
| Held by insiders | 15.0% | 24.5% |
| Insider net buying, 12 months | – | −$178K |
| Short interest, % of float | 0.53% | 1.5% |
Go deeper
- LSBK stock overview
- LSBK income statement
- LSBK valuation and score
- RVSB stock overview
- RVSB income statement
- RVSB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.