LCNB (LCNB) Competitors

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

Does the media prefer OSBC or LCNB?

In the previous week, Old Second Bancorp had 3 more articles in the media than LCNB. MarketBeat recorded 6 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 media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Old Second Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
LCNB	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is OSBC or LCNB 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
Old Second Bancorp	24.52%	12.87%	1.50%
LCNB	12.72%	7.68%	0.83%

Is OSBC or LCNB a better dividend stock?

Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. LCNB pays an annual dividend of $0.88 per share and has a dividend yield of 5.9%. Old Second Bancorp pays out 13.1% of its earnings in the form of a dividend. 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 has raised its dividend for 1 consecutive years and LCNB has raised its dividend for 7 consecutive years. LCNB is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts rate OSBC or LCNB?

Old Second Bancorp presently has a consensus price target of $20.50, suggesting a potential upside of 11.41%. LCNB has a consensus price target of $16.25, suggesting a potential upside of 8.12%. Given Old Second Bancorp's stronger consensus rating and higher possible upside, research analysts plainly believe Old Second Bancorp is more favorable than LCNB.

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

Which has higher valuation and earnings, OSBC or LCNB?

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
Old Second Bancorp	$341.72M	2.43	$85.26M	$1.83	10.05
LCNB	$125.42M	1.70	$13.49M	$1.15	13.07

Which has more volatility and risk, OSBC or LCNB?

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

Do insiders and institutionals have more ownership in OSBC or LCNB?

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

Summary

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