WallStSmart

LCNB Corporation (LCNB)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 4461132% more annual revenue ($4.02T vs $90.06M). MFG leads profitability with a 26.1% profit margin vs 25.7%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

LCNB

Buy

54

out of 100

Grade: C-

Growth: 4.7Profit: 7.5Value: 4.7Quality: 5.8
Piotroski: 5/9

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LCNBSignificantly Overvalued (-56.0%)

Margin of Safety

-56.0%

Fair Value

$11.08

Current Price

$15.97

$4.89 premium

UndervaluedFair: $11.08Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LCNB4 strengths · Avg: 9.8/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.9%10/10

Strong operational efficiency at 34.9%

Profit MarginProfitability
25.7%9/10

Keeps 26 of every $100 in revenue as profit

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

LCNB4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
3.5%4/10

3.5% revenue growth

Market CapQuality
$226.10M3/10

Smaller company, higher risk/reward

PEG RatioValuation
11.812/10

Expensive relative to growth rate

EPS GrowthGrowth
-7.1%2/10

Earnings declined 7.1%

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : LCNB

The strongest argument for LCNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 25.7% and operating margin at 34.9%.

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : LCNB

The primary concerns for LCNB are Revenue Growth, Market Cap, PEG Ratio.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

LCNB profiles as a value stock while MFG is a mature play — different risk/reward profiles.

LCNB carries more volatility with a beta of 0.57 — expect wider price swings.

MFG is growing revenue faster at 5.5% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (74/100 vs 54/100), backed by strong 26.1% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

LCNB Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

LCNB Corp. The company is headquartered in Lebanon, Ohio.

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Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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