Franklin Financial Services Corporation (FRAF) vs LCNB Corp. (LCNB)
A side-by-side comparison of Franklin Financial Services Corporation and LCNB Corp. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FRAF vs LCNB
growth of $100 · dividends reinvested · last 10yFRAF vs LCNB: by the numbers
- •FRAF is the larger company ($286M vs $275M market cap).
- •LCNB trades at the lower trailing earnings multiple (11.14 vs 11.61 P/E), one valuation lens rather than an overall verdict.
- •LCNB converts more revenue to profit (19.69% vs 18.24% net margin).
- •FRAF grew revenue faster over the past five years (17.02% vs 9.95% CAGR).
- •LCNB pays the higher dividend yield (4.65% vs 2.13%).
Metrics side by side
Valuation
| Metric | FRAF | LCNB |
|---|---|---|
| P/E ratio | 11.61 | 11.14 |
| Forward P/E | 11.01 | 10.74 |
| PEG ratio | 1.15 | 11.03 |
| P/S ratio | 2.12 | 2.20 |
| P/B ratio | 1.56 | 0.98 |
Profitability
| Metric | FRAF | LCNB |
|---|---|---|
| Operating margin | 22.72% | 24.42% |
| Net margin | 18.24% | 19.69% |
| ROE | 13.41% | 8.74% |
Franklin Financial Services Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
LCNB Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FRAF | LCNB |
|---|---|---|
| Dividend yield | 2.13% | 4.65% |
| Payout ratio | 24.41% | 50.87% |
Growth (annualized)
| Metric | FRAF | LCNB |
|---|---|---|
| Revenue CAGR (5Y) | 17.02% | 9.95% |
| EPS CAGR (5Y) | 10.03% | 1.14% |
| Total return CAGR (5Y) | 18.89% | 7.06% |
Frequently asked
- Which has the lower trailing P/E, FRAF or LCNB?
- LCNB has the lower trailing P/E: FRAF trades at 11.61 and LCNB at 11.14. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FRAF or LCNB?
- Over the past five years, FRAF grew revenue faster — FRAF at a 17.02% CAGR versus LCNB at 9.95%.
- Does FRAF or LCNB pay a bigger dividend?
- FRAF yields 2.13% and LCNB yields 4.65% based on trailing dividends and the latest price.
- Is FRAF or LCNB more profitable?
- LCNB runs the higher net margin — FRAF at 18.24% versus LCNB at 19.69%.
- How have FRAF and LCNB total returns compared?
- Over the past 10 years, FRAF delivered 13.94% and LCNB delivered 5.14% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Franklin Financial Services & LCNB appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.