Lake Shore Bancorp vs Western New England Bancorp
LSBK and WNEB 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 WNEB compare
Western New England Bancorp is the larger company, worth 1.8 times as much as Lake Shore Bancorp ($273M against $149M).
On earnings, Western New England Bancorp is cheaper: it trades at 13.6× trailing earnings, against 16.9× for Lake Shore Bancorp.
Western New England Bancorp grew revenue faster over the last twelve months (14.8% versus 12.3% for Lake Shore Bancorp).
Lake Shore Bancorp keeps more of each dollar of sales as profit, with a net margin of 27.6% compared with 21.9% at Western New England Bancorp.
Both pay dividends: Lake Shore Bancorp yields 1.9% and Western New England Bancorp 2.1%.
Western New England Bancorp scores higher on the StockData Score (15 against 9 for Lake Shore 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 | WNEB |
|---|---|---|
| Size and price | ||
| Market cap | $149M | $273M |
| Share price | $18.96 | $13.60 |
| Change, 1 year | 32.1% | 15.0% |
| Change, 5 years | 25.5% | 45.1% |
| Beta (5Y) | 0.26 | 0.57 |
| Employees | 87 | 334 |
| StockData Score | ||
| Total score | 9 | 15 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 3 | 4 (better) |
| Health score | 1 | 4 (better) |
| Dividend score | 2 | 4 (better) |
| Valuation | ||
| P/E | 16.9× | 13.6× (better) |
| P/S | 4.9× | 3.0× (better) |
| P/B | 1.1× (better) | 1.1× |
| P/FCF | – | 14.4× |
| FCF yield | – | 7.0% |
| Fair value | $16.73 | $11.96 |
| Margin of safety | −13.3% (better) | −13.7% |
| Growth | ||
| Revenue growth (TTM) | 12.3% | 14.8% (better) |
| Revenue growth, 5Y average | 99.6% | 352% (better) |
| Net income growth (TTM) | 22.6% | 49.0% (better) |
| EPS growth (TTM) | 24.4% | 51.5% (better) |
| EPS growth, 5Y average | 4.7% | 10.8% (better) |
| Profitability | ||
| Net margin | 27.6% (better) | 21.9% |
| FCF margin | – | 20.9% |
| Return on equity | 5.9% | 8.1% (better) |
| Financial health | ||
| Debt / equity | – | 0.03 |
| Altman Z-score | 0.37 (better) | 0.18 |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 1.9% | 2.1% (better) |
| Payout ratio | 31.7% | 28.0% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | −8.7% | 7.0% (better) |
| Buyback yield | 1.3% | 3.5% (better) |
| Shareholder yield | 3.2% | 5.5% (better) |
| Ownership | ||
| Held by institutions | 29.1% | 62.7% |
| Held by insiders | 15.0% | 6.2% |
| Insider net buying, 12 months | – | −$182K |
| Short interest, % of float | 0.53% | 1.1% |
Go deeper
- LSBK stock overview
- LSBK income statement
- LSBK valuation and score
- WNEB stock overview
- WNEB income statement
- WNEB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.