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Hawthorn Bancshares, Inc. (HWBK) vs LCNB Corporation (LCNB)

Hawthorn Bancshares, Inc. and LCNB Corporation are both Banks Regional companies. Hawthorn Bancshares, Inc. and LCNB Corporation are of similar size ($267.9M and $263.1M). Hawthorn Bancshares, Inc. trades at the lower P/E: 9.9× against 10.9×. Hawthorn Bancshares, Inc. grew revenue faster over the last twelve months: 5.28% against −2.20%. Hawthorn Bancshares, Inc. has the higher net margin (22.0% vs 19.7%) and the higher return on invested capital (8.53% vs 5.26%). Both pay a dividend; LCNB Corporation yields more (4.66% vs 2.18%). Across the 19 metrics below, LCNB Corporation leads on 10 and Hawthorn Bancshares, Inc. on 9.

Valuation

Metric HWBK LCNB Banks Regional median
P/E 9.94 10.91 11.98
P/S 2.28 2.15 2.34
P/B 1.44 0.95 1.19
Price to free cash flow 8.79 7.36 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.06% 9.16% 8.23%
Free cash flow yield 11.38% 13.59% 9.08%

Profitability

Metric HWBK LCNB Banks Regional median
Gross margin 73.76% 77.34% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.03% 19.67% 18.66%
Free cash flow margin 25.93% 29.16% 21.11%
Return on equity 14.95% 9.01% 10.65%
Return on assets 1.39% 1.08% 1.13%
Return on invested capital 8.53% 5.26% 8.35%

Growth

Metric HWBK LCNB Banks Regional median
Revenue growth (TTM) 5.28% (2.20%) 6.98%
EPS growth (last fiscal year) 31.42% 68.04% 18.88%
Revenue growth, 5-year CAGR 7.51% 9.38% 12.38%
Net income growth, 5-year CAGR 10.74% 2.91% 9.71%

Health

Metric HWBK LCNB Banks Regional median
Debt to equity 0.43 0.37 0.22
Current ratio 0.97 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HWBK LCNB Banks Regional median
Dividend yield 2.18% 4.66% 2.57%
Payout ratio 0.22 0.51 0.30

Size

Metric HWBK LCNB Banks Regional median
Market cap 263.05m 267.85m 913.33m

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