First Bancorp vs LCNB
FNLC and LCNB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FNLC and LCNB compare
First Bancorp is the larger company, worth 1.5 times as much as LCNB ($418M against $280M).
On earnings, First Bancorp is cheaper: it trades at 10.5× trailing earnings, against 11.2× for LCNB.
First Bancorp grew revenue faster over the last twelve months (14.8% versus 7.4% for LCNB).
First Bancorp keeps more of each dollar of sales as profit, with a net margin of 37.8% compared with 25.5% at LCNB.
Both pay dividends: First Bancorp yields 4.1% and LCNB 4.5%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FNLC | LCNB |
|---|---|---|
| Size and price | ||
| Market cap | $418M | $280M |
| Share price | $37.03 | $19.66 |
| Change, 1 year | 44.9% | 26.9% |
| Change, 5 years | 21.2% | 0.51% |
| Beta (5Y) | 0.50 | 0.41 |
| Employees | 283 | 363 |
| StockData Score | ||
| Total score | 17 | 17 |
| Valuation score | 1 | 4 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 4 (better) | 3 |
| Health score | 5 (better) | 4 |
| Dividend score | 5 | 5 |
| Valuation | ||
| P/E | 10.5× (better) | 11.2× |
| P/S | 4.0× | 2.9× (better) |
| P/B | 1.4× | 1.0× (better) |
| P/FCF | 12.8× | 8.5× (better) |
| FCF yield | 7.8% | 11.7% (better) |
| Fair value | $34.63 | $20.51 |
| Margin of safety | −6.9% | 4.1% (better) |
| Growth | ||
| Revenue growth (TTM) | 14.8% (better) | 7.4% |
| Revenue growth, 5Y average | 4.0% | 5.0% (better) |
| Net income growth (TTM) | 25.1% (better) | 5.6% |
| EPS growth (TTM) | 24.5% (better) | 5.4% |
| EPS growth, 5Y average | 4.4% (better) | 1.0% |
| Profitability | ||
| Net margin | 37.8% (better) | 25.5% |
| FCF margin | 31.2% | 33.6% (better) |
| Return on equity | 14.0% (better) | 9.0% |
| Financial health | ||
| Debt / equity | 0.26 (better) | 0.00 |
| Altman Z-score | 0.23 (better) | 0.23 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 4.1% | 4.5% (better) |
| Payout ratio | 42.6% | 50.3% |
| Years of dividend growth | 8 (better) | 0 |
| Dividend growth, 5Y average | 3.6% | 3.8% (better) |
| Buyback yield | −0.16% (better) | −0.20% |
| Shareholder yield | 3.9% | 4.3% (better) |
| Ownership | ||
| Held by institutions | 45.6% | 50.3% |
| Held by insiders | 4.9% | 7.0% |
| Insider net buying, 12 months | −$140K | −$33.3K (better) |
| Short interest, % of float | 1.4% | 0.94% |
Go deeper
- FNLC stock overview
- FNLC income statement
- FNLC valuation and score
- LCNB stock overview
- LCNB income statement
- LCNB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.