LCNB (LCNB) Competitors

LCNB (NASDAQ:LCNB) and Old Second Bancorp (NASDAQ:OSBC) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, media sentiment, dividends, valuation, risk, profitability and institutional ownership.

Do institutionals & insiders believe in LCNB or OSBC?

34.7% of LCNB shares are held by institutional investors. Comparatively, 67.8% of Old Second Bancorp shares are held by institutional investors. 6.0% of LCNB shares are held by company insiders. Comparatively, 3.8% of Old Second Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Is LCNB or OSBC a better dividend stock?

LCNB pays an annual dividend of $0.88 per share and has a dividend yield of 5.9%. Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. LCNB pays out 76.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Old Second Bancorp pays out 13.1% of its earnings in the form of a dividend. LCNB has raised its dividend for 7 consecutive years and Old Second Bancorp has raised its dividend for 1 consecutive years. LCNB is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more risk & volatility, LCNB or OSBC?

LCNB has a beta of 0.6, suggesting that its share price is 40% less volatile than the S&P 500. Comparatively, Old Second Bancorp has a beta of 0.81, suggesting that its share price is 19% less volatile than the S&P 500.

Is LCNB or OSBC more profitable?

Old Second Bancorp has a net margin of 24.52% compared to LCNB's net margin of 12.72%. Old Second Bancorp's return on equity of 12.87% beat LCNB's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
LCNB	12.72%	7.68%	0.83%
Old Second Bancorp	24.52%	12.87%	1.50%

Does the media prefer LCNB or OSBC?

In the previous week, Old Second Bancorp had 2 more articles in the media than LCNB. MarketBeat recorded 5 mentions for Old Second Bancorp and 3 mentions for LCNB. Old Second Bancorp's average media sentiment score of 1.02 beat LCNB's score of 0.82 indicating that Old Second Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
LCNB	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Old Second Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts prefer LCNB or OSBC?

LCNB currently has a consensus price target of $16.25, indicating a potential upside of 8.12%. Old Second Bancorp has a consensus price target of $20.50, indicating a potential upside of 11.41%. Given Old Second Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Old Second Bancorp is more favorable than LCNB.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LCNB	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	3.00

Which has preferable earnings & valuation, LCNB or OSBC?

Old Second Bancorp has higher revenue and earnings than LCNB. Old Second Bancorp is trading at a lower price-to-earnings ratio than LCNB, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LCNB	$125.42M	1.70	$13.49M	$1.15	13.07
Old Second Bancorp	$341.72M	2.43	$85.26M	$1.83	10.05

Summary

Old Second Bancorp beats LCNB on 16 of the 20 factors compared between the two stocks.