COMP <GO>
BVFL vs LSBK // 10Y YIELD & FRED MACRO BETA
BV Financial Inc. (NASDAQ) VS. Lake Shore Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: BVFL 4
— LSBK 2
■ METRIC PARITY
LAST: $22.33 (+1.00%) • MKT CAP: $189.1M
macro-sensitivity
—
LAST: $19.04 (+0.32%) • MKT CAP: $149.5M
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BVFL VS. LSBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BVFL | LSBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.30% | 5.10% | +2.20 | BVFL | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.93% | 5.35% | +4.58 | BVFL | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.12% | -1.12 | LSBK | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.5 | 57.1 | -4.64 | LSBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.0x | 19.2x | -6.20 | BVFL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $189.1M | $149.5M | $39.6M | BVFL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BVFL REV | LSBK REV | BVFL GROSS % | LSBK GROSS % | BVFL FCF | LSBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $18.8M | $8.0M |
| FY 2024 | $0 | $0 | — | — | $15.5M | $2.5M |
| FY 2023 | $0 | $0 | — | — | $15.2M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BVFL // BETA —
LSBK // BETA —