Isabella Bank Corporation (ISBA) vs LCNB Corp. (LCNB)
A side-by-side comparison of Isabella Bank 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 — ISBA vs LCNB
growth of $100 · dividends reinvested · last 10yISBA vs LCNB: by the numbers
- •ISBA is the larger company ($277M vs $272M market cap).
- •LCNB trades at the lower trailing earnings multiple (11.03 vs 13.90 P/E), one valuation lens rather than an overall verdict.
- •LCNB converts more revenue to profit (19.69% vs 18.77% net margin).
- •LCNB grew revenue faster over the past five years (9.95% vs 7.59% CAGR).
- •LCNB pays the higher dividend yield (4.65% vs 2.96%).
Metrics side by side
Valuation
| Metric | ISBA | LCNB |
|---|---|---|
| P/E ratio | 13.90 | 11.03 |
| Forward P/E | 11.46 | 10.64 |
| PEG ratio | 1.01 | 10.93 |
| P/S ratio | 2.61 | 2.18 |
| P/B ratio | 1.12 | 0.97 |
Profitability
| Metric | ISBA | LCNB |
|---|---|---|
| Operating margin | 19.76% | 24.42% |
| Net margin | 18.77% | 19.69% |
| ROE | 8.03% | 8.74% |
Isabella Bank 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 | ISBA | LCNB |
|---|---|---|
| Dividend yield | 2.96% | 4.65% |
| Payout ratio | 41.18% | 50.87% |
Growth (annualized)
| Metric | ISBA | LCNB |
|---|---|---|
| Revenue CAGR (5Y) | 7.59% | 9.95% |
| EPS CAGR (5Y) | 13.32% | 1.14% |
| Total return CAGR (5Y) | 12.29% | 7.06% |
Frequently asked
- Which has the lower trailing P/E, ISBA or LCNB?
- LCNB has the lower trailing P/E: ISBA trades at 13.90 and LCNB at 11.03. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ISBA or LCNB?
- Over the past five years, LCNB grew revenue faster — ISBA at a 7.59% CAGR versus LCNB at 9.95%.
- Does ISBA or LCNB pay a bigger dividend?
- ISBA yields 2.96% and LCNB yields 4.65% based on trailing dividends and the latest price.
- Is ISBA or LCNB more profitable?
- LCNB runs the higher net margin — ISBA at 18.77% versus LCNB at 19.69%.
- How have ISBA and LCNB total returns compared?
- Over the past 10 years, ISBA delivered 7.87% and LCNB delivered 5.14% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Isabella Bank & 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.