Comparing of LCNB Corp. (LCNB) and Old Point Financial Corporation (NASDAQ:OPOF)

Since LCNB Corp. (NASDAQ:LCNB) and Old Point Financial Corporation (NASDAQ:OPOF) are part of the Regional – Mid-Atlantic Banks industry, they are influenced by contrast. The influences particularly affect the profitability, analyst recommendations, risk, dividends, institutional ownership, earnings and valuation of both companies.

Valuation and Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
LCNB Corp. 61.24M 3.68 16.74M 1.30 13.23
Old Point Financial Corporation 44.88M 2.50 6.00M 1.16 18.44

Table 1 shows gross revenue, earnings per share (EPS) and valuation of the two companies. Old Point Financial Corporation appears to has lower revenue and earnings than LCNB Corp. The business that Presently has a lower P/E ratio is considered the more affordable of the two businesses. LCNB Corp.’s current P/E ratio is lower than that of Old Point Financial Corporation, which means that it is the affordable of the two.

Profitability

Table 2 has LCNB Corp. and Old Point Financial Corporation’s return on assets, return on equity and net margins.

Net Margins Return on Equity Return on Assets
LCNB Corp. 27.34% 7.7% 1%
Old Point Financial Corporation 13.37% 0.6% 0.1%

Volatility and Risk

A 0.5 beta indicates that LCNB Corp. is 50.00% less volatile compared to Standard & Poor’s 500. Old Point Financial Corporation’s 58.00% less volatile than Standard & Poor’s 500 which is a result of the 0.42 beta.

Dividends

LCNB Corp. pays out its dividends annually at $0.66 per share and 3.89% dividend yield. On the other side Old Point Financial Corporation pays an annual dividend of $0.45 per share. It’s dividend yield is 2.09%.

Insider and Institutional Ownership

The shares of both LCNB Corp. and Old Point Financial Corporation are owned by institutional investors at 33% and 40.1% respectively. About 3.6% of LCNB Corp.’s share are owned by insiders. On the other hand, insiders owned about 8.6% of Old Point Financial Corporation’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
LCNB Corp. 0.59% 2.08% 1.12% 3.81% -8.62% 13.4%
Old Point Financial Corporation -2.02% 1.28% -8.45% -19.43% -18.42% -2.2%

For the past year LCNB Corp. has 13.4% stronger performance while Old Point Financial Corporation has -2.2% weaker performance.

Summary

LCNB Corp. beats Old Point Financial Corporation on 13 of the 14 factors.

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides commercial and personal banking services in Ohio. Its deposit products include checking, NOW, savings, Christmas and vacation club, money market deposit, lifetime checking, and individual retirement accounts, as well as certificates of deposit. The companyÂ’s loan portfolio comprises commercial and industrial, commercial and residential real estate, agricultural, construction, small business administration, and residential mortgage loans. It also offers consumer loans, such as automobile, boat, home improvement, and personal loans. In addition, the company provides trust administrative, estate settlement, and fiduciary services; and investment management services for trusts, agency accounts, individual retirement accounts, and foundations/endowments. Further, it offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services. Additionally, the company provides safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, personal computer-based cash management services, telephone banking, PC Internet banking, mobile banking, and other services for individuals and businesses. As of February 29, 2017, the company operated through 35 offices, including a main office in Warren County, Ohio; and branch offices in Warren, Butler, Clinton, Clermont, Hamilton, Montgomery, Preble, Ross, and Fayette counties, Ohio, as well as 39 ATMs. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.

Receive News & Ratings Via Email - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings with our FREE daily email newsletter.