LCNB Corporation (LCNB)vsRoyal Bank of Canada (RY)
LCNB
LCNB Corporation
$20.29
+3.15%
FINANCIAL SERVICES · Cap: $281.25M
RY
Royal Bank of Canada
$209.79
+3.04%
FINANCIAL SERVICES · Cap: $281.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 72119% more annual revenue ($67.15B vs $92.98M). RY leads profitability with a 33.9% profit margin vs 26.8%. RY appears more attractively valued with a PEG of 1.89. RY earns a higher WallStSmart Score of 68/100 (B-).
LCNB
Buy57
out of 100
Grade: C
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 38.6%
Keeps 27 of every $100 in revenue as profit
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Areas to Watch
4.0% revenue growth
4.2% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : LCNB
The strongest argument for LCNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.8% and operating margin at 38.6%.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : LCNB
The primary concerns for LCNB are Revenue Growth, EPS Growth, Market Cap.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
LCNB profiles as a value stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.91 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
LCNB generates stronger free cash flow (7M), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 57/100), backed by strong 33.9% 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.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
Compare with Other BANKS - REGIONAL Stocks
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