Comparing LCNB (NASDAQ:LCNB) and Susquehanna Bancshares (NASDAQ:SUSQ)

LCNB (NASDAQ:LCNB) and Susquehanna Bancshares (NASDAQ:SUSQ) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, analyst recommendations, valuation, profitability, institutional ownership, risk and earnings.

Profitability

This table compares LCNB and Susquehanna Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
LCNB	10.76%	7.12%	0.74%
Susquehanna Bancshares	N/A	N/A	N/A

Insider & Institutional Ownership

34.7% of LCNB shares are held by institutional investors. 5.8% of LCNB shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings for LCNB and Susquehanna Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LCNB	0	1	0	0	2.00
Susquehanna Bancshares	0	0	0	0	0.00

LCNB presently has a consensus target price of $16.25, indicating a potential upside of 8.84%. Given LCNB’s stronger consensus rating and higher probable upside, equities analysts clearly believe LCNB is more favorable than Susquehanna Bancshares.

Earnings and Valuation

This table compares LCNB and Susquehanna Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LCNB	$81.20 million	2.59	$13.49 million	$0.97	15.39
Susquehanna Bancshares	N/A	N/A	N/A	N/A	N/A

LCNB has higher revenue and earnings than Susquehanna Bancshares.

Summary

LCNB beats Susquehanna Bancshares on 8 of the 8 factors compared between the two stocks.

About LCNB

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. Its deposit products include checking accounts, demand deposits, savings accounts, NOW and money market deposits, as well as individual retirement accounts and time certificates. The company's loan products comprise commercial and industrial, commercial and residential real estate, agricultural, construction, and small business administration loans; and residential mortgage loans that consists of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. It offers consumer loans, such as automobile, recreational vehicles, boat, home improvement, and personal loans. In addition, the company provides trust administration, 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, cash management services, telephone banking, PC Internet banking, mobile banking, and other services for individuals and businesses. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.

About Susquehanna Bancshares

Susquehanna Bancshares, Inc. is a financial holding company. The Company conducts its business operations primarily through its commercial bank subsidiary, Susquehanna Bank, and other subsidiaries in the mid-Atlantic region to provide a range of retail and commercial banking and financial products and services. It provides a range of retail banking services, including checking, savings and club accounts, check cards, debit cards, money market accounts, certificates of deposit, individual retirement accounts, home equity lines of credit, residential mortgage loans, home improvement loans, automobile loans, personal loans, and internet and mobile banking services. It also provides a range of commercial banking services, including business checking accounts, cash management services, money market accounts, land acquisition and development loans, commercial loans, floor plan, equipment and working capital lines of credit, small business loans and internet banking services.