LCNB (NASDAQ:LCNB – Get Free Report) and BV Financial (NASDAQ:BVFL – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, earnings, profitability, valuation and dividends.
Analyst Recommendations
This is a summary of current ratings and target prices for LCNB and BV Financial, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| LCNB | 0 | 0 | 1 | 0 | 3.00 |
| BV Financial | 0 | 1 | 0 | 0 | 2.00 |
Volatility and Risk
LCNB has a beta of 0.57, indicating that its stock price is 43% less volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.32, indicating that its stock price is 68% less volatile than the S&P 500.
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| LCNB | $124.52 million | 1.83 | $23.12 million | $1.61 | 9.91 |
| BV Financial | $52.43 million | 3.29 | $13.49 million | $1.39 | 14.17 |
LCNB has higher revenue and earnings than BV Financial. LCNB is trading at a lower price-to-earnings ratio than BV Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares LCNB and BV Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| LCNB | 18.50% | 8.53% | 1.01% |
| BV Financial | 23.73% | 8.94% | 1.87% |
Insider and Institutional Ownership
34.7% of LCNB shares are owned by institutional investors. Comparatively, 42.7% of BV Financial shares are owned by institutional investors. 5.7% of LCNB shares are owned by company insiders. Comparatively, 15.7% of BV Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Summary
BV Financial beats LCNB on 7 of the 13 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 BV Financial
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
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