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LCNB Corporation (LCNB) vs Western New England Bancorp (WNEB)

LCNB Corporation and Western New England Bancorp are both Banks Regional companies. LCNB Corporation and Western New England Bancorp are of similar size ($271.6M and $267.9M). LCNB Corporation trades at the lower P/E: 10.9× against 16.1×. Western New England Bancorp grew revenue faster over the last twelve months: 6.11% against −2.20%. LCNB Corporation has the higher net margin (19.7% vs 12.4%) and the lower return on invested capital (5.26% vs 5.33%). Both pay a dividend; LCNB Corporation yields more (4.66% vs 2.07%). Across the 19 metrics below, LCNB Corporation leads on 14 and Western New England Bancorp on 5.

Valuation

Metric LCNB WNEB Banks Regional median
P/E 10.91 16.12 11.98
P/S 2.15 1.99 2.34
P/B 0.95 1.08 1.19
Price to free cash flow 7.36 15.53 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.16% 6.20% 8.23%
Free cash flow yield 13.59% 6.44% 9.08%

Profitability

Metric LCNB WNEB Banks Regional median
Gross margin 77.34% 65.46% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.67% 12.43% 18.66%
Free cash flow margin 29.16% 12.80% 21.11%
Return on equity 9.01% 6.87% 10.65%
Return on assets 1.08% 0.62% 1.13%
Return on invested capital 5.26% 5.33% 8.35%

Growth

Metric LCNB WNEB Banks Regional median
Revenue growth (TTM) (2.20%) 6.11% 6.98%
EPS growth (last fiscal year) 68.04% 33.93% 18.88%
Revenue growth, 5-year CAGR 9.38% 7.32% 12.38%
Net income growth, 5-year CAGR 2.91% 6.37% 9.71%

Health

Metric LCNB WNEB Banks Regional median
Debt to equity 0.37 0.18 0.22
Current ratio 0.94 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LCNB WNEB Banks Regional median
Dividend yield 4.66% 2.07% 2.57%
Payout ratio 0.51 0.33 0.30

Size

Metric LCNB WNEB Banks Regional median
Market cap 267.85m 271.62m 913.33m

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