Ames National (NASDAQ:ATLO) and LCNB (NASDAQ:LCNB) Critical Review

LCNB ( NASDAQ:LCNB – Get Your Free Report ) and Ames National ( NASDAQ:ATLO – Get Your Free Report ) are both small-cap financial companies, but which is the superior stock? We’ll compare the two companies based on dividend strength, earnings, valuation, risk, profitability, institutional ownership and analyst recommendations.

return

This table compares LCNB and Ames National’s net margins, return on equity, and return on assets.

Institutional and insider ownership

34.7% of LCNB shares are held by institutional investors. Comparatively, 26.5% of Ames National shares are held by institutional investors. 5.8% of LCNB shares are owned by insiders. Comparatively, 3.2% of Ames National shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and big money managers believe a company is poised for long-term growth.

Volatility and risk

LCNB has a beta of 0.76, suggesting its stock price is 24% less volatile than the S&P 500. Comparatively, Ames National has a beta of 0.55, suggesting its stock price is 45% less volatile than the S&P 500. less volatile than the S&P 500.

dividends

LCNB pays an annual dividend of $0.88 per share and has a dividend yield of 6.0%. Ames National pays an annual dividend of $0.80 per share and has a dividend yield of 4.5%. LCNB pays out 95.7% of its earnings as dividends, suggesting that it may not have enough earnings to cover its dividend payout going forward. Ames National pays out 72.1% of earnings as a dividend.

Earnings and Rating

This table compares LCNB and Ames National’s top-line revenue, earnings per share and valuation.

LCNB has higher revenue and earnings than Ames National. Ames National is trading at a lower price-to-earnings ratio than LCNB, indicating that it is currently the more affordable of the two stocks.

Analyst recommendations

This is a breakdown of recent recommendations and price targets for LCNB and Ames National as provided by MarketBeat.

Summary

LCNB beats Ames National in 9 of the 13 factors compared between the two stocks.

About LCNB

(Get a free report)

LCNB Corp. operates as the financial holding company for LCNB National Bank providing 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 include commercial and industrial, commercial and residential real estate, agricultural, construction and small business loans; and residential mortgage loans consisting of loans for the purchase or refinancing of personal homes, home equity lines of credit, and commercial or consumer loans secured by residential mortgages. It offers consumer loans such as automobiles, recreational vehicles, boats, home improvements 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. In addition, it offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities and life insurance; and security brokerage services. In addition, the company offers safe deposit boxes, overnight deposits, cashier’s checks, banking by mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, cash management, telephone banking, computer internet banking, mobile banking and other services for individuals and businesses. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.

About Ames National

(Get a free report)

Ames National Corporation operates as a multi-bank holding company providing banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story and Union counties in central, north central and south central Iowa. The company accepts various deposit products, including current and savings accounts; and time deposits such as money market accounts and certificates of deposit. It also offers loans such as short- and medium-term commercial and agricultural real estate, residential real estate loans, equipment loans, vehicle loans and home improvement loans; consumer loans to finance consumer purchases such as automobiles, trucks, recreational vehicles, home furnishings, boats, personal loans and lines of credit; agricultural and business loans and lines of credit; and originate mortgage loans for sale in the secondary market. In addition, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit and automated/video access services; and automated drafts for various accounts, as well as wealth management services. In addition, it provides farm management, investment and custody services for individuals, businesses and non-profit organizations; and online, mobile and private banking. Ames National Corporation was founded in 1903 and is headquartered in Ames, Iowa.

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