First United vs LCNB
FUNC 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 FUNC and LCNB compare
First United and LCNB are about the same size, with market caps of $299M and $280M.
On earnings, LCNB is cheaper: it trades at 11.2× trailing earnings, against 12.0× for First United.
First United grew revenue faster over the last twelve months (11.4% versus 7.4% for LCNB).
First United keeps more of each dollar of sales as profit, with a net margin of 26.8% compared with 25.5% at LCNB.
Both pay dividends: First United yields 2.3% and LCNB 4.5%.
LCNB scores higher on the StockData Score (18 against 13 for First United), 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 | FUNC | LCNB |
|---|---|---|
| Size and price | ||
| Market cap | $299M | $280M |
| Share price | $46.26 | $19.66 |
| Change, 1 year | 29.4% | 26.4% |
| Change, 5 years | 134% | 0.51% |
| Beta (5Y) | 0.68 | 0.41 |
| Employees | 343 | 363 |
| StockData Score | ||
| Total score | 13 | 18 (better) |
| Valuation score | 2 | 4 (better) |
| Growth score | 1 | 1 |
| Performance score | 3 | 3 |
| Health score | 3 | 4 (better) |
| Dividend score | 4 | 6 (better) |
| Valuation | ||
| P/E | 12.0× | 11.2× (better) |
| P/S | 3.2× | 2.9× (better) |
| P/B | 1.4× | 1.0× (better) |
| P/FCF | 11.5× | 8.5× (better) |
| PEG | 134.96 | – |
| FCF yield | 8.7% | 11.7% (better) |
| Fair value | $39.63 | $20.52 |
| Margin of safety | −16.7% | 4.2% (better) |
| Growth | ||
| Revenue growth (TTM) | 11.4% (better) | 7.4% |
| Revenue growth, 5Y average | 5.7% (better) | 5.0% |
| Net income growth (TTM) | 5.5% | 5.6% (better) |
| EPS growth (TTM) | 6.0% (better) | 5.4% |
| EPS growth, 5Y average | 13.9% (better) | 1.0% |
| Profitability | ||
| Net margin | 26.8% (better) | 25.5% |
| FCF margin | 27.9% | 33.6% (better) |
| Return on equity | 12.4% (better) | 9.0% |
| Financial health | ||
| Debt / equity | 0.33 (better) | 0.00 |
| Altman Z-score | 0.29 (better) | 0.23 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.3% | 4.5% (better) |
| Payout ratio | 25.9% | 50.3% |
| Years of dividend growth | 7 (better) | 0 |
| Dividend growth, 5Y average | 13.0% (better) | 3.8% |
| Buyback yield | −0.12% (better) | −0.20% |
| Shareholder yield | 2.2% | 4.3% (better) |
| Ownership | ||
| Held by institutions | 49.5% | 50.3% |
| Held by insiders | 4.6% | 7.0% |
| Insider net buying, 12 months | −$503K | −$33.3K (better) |
| Short interest, % of float | 1.2% | 0.94% |
Go deeper
- FUNC stock overview
- FUNC income statement
- FUNC 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.