HWBK vs LCNB
Valuation
Profitability
Growth
Financial Health
Dividends
AI Verdict
HWBK presents a significant valuation disconnect, trading well below its Graham Number ($44.14) and Intrinsic Value ($101.19). While the Piotroski F-Score of 4/9 indicates stable financial health and the ROE of 14.7% is robust for a regional bank, the outlook is tempered by a severely bearish technical trend (10/100) and weak insider sentiment (40/100). The company shows strong YoY earnings growth of 36.4%, but the lack of recent analyst coverage and contradictory technical signals suggest a value trap risk despite the fundamental discounts.
LCNB presents as a classic value play with a stable Piotroski F-Score of 4/9 and a Graham Number ($26.61) significantly above the current price. However, this valuation is tempered by negative earnings growth (-7.1% YoY) and a very bearish technical trend (10/100). While the stock trades at a discount to book value (P/B 0.88) and offers a strong dividend yield, the lack of growth momentum and bearish insider sentiment suggest limited immediate upside.
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HWBK vs LCNB: Head-to-Head Comparison
This page compares Hawthorn Bancshares, Inc. (HWBK) and LCNB Corp. (LCNB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.
Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.