WallStSmart

LCNB Corporation (LCNB)vsSun Life Financial Inc. (SLF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sun Life Financial Inc. generates 37817% more annual revenue ($34.90B vs $92.03M). LCNB leads profitability with a 26.7% profit margin vs 8.8%. SLF appears more attractively valued with a PEG of 1.58. LCNB earns a higher WallStSmart Score of 61/100 (C+).

LCNB

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 5.0
Piotroski: 6/9Altman Z: 0.16

SLF

Hold

49

out of 100

Grade: D+

Growth: 5.3Profit: 5.5Value: 5.0Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LCNB5 strengths · Avg: 9.4/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.2%10/10

Strong operational efficiency at 39.2%

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

EPS GrowthGrowth
29.1%8/10

Earnings expanding 29.1% YoY

SLF2 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.11B8/10

Generating 4.1B in free cash flow

Areas to Watch

LCNB3 concerns · Avg: 2.3/10
Market CapQuality
$290.21M3/10

Smaller company, higher risk/reward

PEG RatioValuation
11.812/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.162/10

Distress zone — elevated risk

SLF3 concerns · Avg: 3.3/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.2%4/10

0.2% revenue growth

EPS GrowthGrowth
-48.4%2/10

Earnings declined 48.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : LCNB

The strongest argument for LCNB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.7% and operating margin at 39.2%.

Bull Case : SLF

The strongest argument for SLF centers on Price/Book, Free Cash Flow.

Bear Case : LCNB

The primary concerns for LCNB are Market Cap, PEG Ratio, Altman Z-Score.

Bear Case : SLF

The primary concerns for SLF are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

LCNB profiles as a mature stock while SLF is a value play — different risk/reward profiles.

SLF carries more volatility with a beta of 0.82 — expect wider price swings.

LCNB is growing revenue faster at 9.2% — sustainability is the question.

SLF generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

LCNB scores higher overall (61/100 vs 49/100), backed by strong 26.7% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

LCNB Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

LCNB Corp. The company is headquartered in Lebanon, Ohio.

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Sun Life Financial Inc.

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.

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