LCNB Corporation (LCNB)vsU.S. Bancorp (USB)
LCNB
LCNB Corporation
$16.82
+1.82%
FINANCIAL SERVICES · Cap: $244.89M
USB
U.S. Bancorp
$55.69
+0.40%
FINANCIAL SERVICES · Cap: $90.02B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 29528% more annual revenue ($26.65B vs $89.94M). USB leads profitability with a 29.3% profit margin vs 25.5%. USB appears more attractively valued with a PEG of 2.12. USB earns a higher WallStSmart Score of 69/100 (B-).
LCNB
Hold50
out of 100
Grade: D+
USB
Strong Buy69
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
Keeps 26 of every $100 in revenue as profit
Strong operational efficiency at 27.5%
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 0.6%
Earnings declined 4.9%
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LCNB
The strongest argument for LCNB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 25.5% and operating margin at 27.5%.
Bull Case : USB
The strongest argument for USB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : LCNB
The primary concerns for LCNB are Market Cap, PEG Ratio, Revenue Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
LCNB profiles as a declining stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.00 — expect wider price swings.
USB is growing revenue faster at 4.6% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (69/100 vs 50/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Hold" 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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