LCNB (NASDAQ:LCNB) and Firstsun Capital Bancorp (NASDAQ:FSUN) Critical Contrast

LCNB (NASDAQ:LCNB) and Firstsun Capital Bancorp (NASDAQ:FSUN) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, dividends and analyst recommendations.

Analyst Ratings

This is a breakdown of current ratings for LCNB and Firstsun Capital Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LCNB	0	1	0	0	2.00
Firstsun Capital Bancorp	0	0	2	0	3.00

LCNB currently has a consensus price target of $16.25, suggesting a potential upside of 5.73%. Firstsun Capital Bancorp has a consensus price target of $44.00, suggesting a potential upside of 8.29%. Given Firstsun Capital Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Firstsun Capital Bancorp is more favorable than LCNB.

Earnings & Valuation

This table compares LCNB and Firstsun Capital Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LCNB	$76.65 million	2.83	$12.63 million	$0.51	30.14
Firstsun Capital Bancorp	$492.78 million	2.28	$103.53 million	N/A	N/A

Firstsun Capital Bancorp has higher revenue and earnings than LCNB.

Profitability

This table compares LCNB and Firstsun Capital Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
LCNB	5.88%	6.39%	0.67%
Firstsun Capital Bancorp	15.46%	8.79%	1.07%

Institutional & Insider Ownership

34.7% of LCNB shares are held by institutional investors. 5.8% of LCNB shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

Firstsun Capital Bancorp beats LCNB on 8 of the 11 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 Firstsun Capital Bancorp

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.