Head to Head Survey: Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) & LCNB (NASDAQ:LCNB)

Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) and LCNB (NASDAQ:LCNB) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their valuation, profitability, risk, analyst recommendations, dividends, earnings and institutional ownership.

Earnings & Valuation

This table compares Banco Bilbao Vizcaya Argentaria and LCNB”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Banco Bilbao Vizcaya Argentaria	$41.77 billion	3.50	$11.89 billion	$2.31	11.35
LCNB	$124.52 million	2.25	$23.12 million	$1.75	11.23

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

Dividends

Banco Bilbao Vizcaya Argentaria pays an annual dividend of $0.67 per share and has a dividend yield of 2.6%. LCNB pays an annual dividend of $0.88 per share and has a dividend yield of 4.5%. Banco Bilbao Vizcaya Argentaria pays out 29.0% of its earnings in the form of a dividend. LCNB pays out 50.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. LCNB has raised its dividend for 7 consecutive years. LCNB is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares Banco Bilbao Vizcaya Argentaria and LCNB’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Banco Bilbao Vizcaya Argentaria	27.70%	18.85%	1.27%
LCNB	20.02%	8.95%	1.11%

Institutional and Insider Ownership

3.0% of Banco Bilbao Vizcaya Argentaria shares are held by institutional investors. Comparatively, 34.7% of LCNB shares are held by institutional investors. 0.0% of Banco Bilbao Vizcaya Argentaria shares are held by company insiders. Comparatively, 5.7% of LCNB shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility and Risk

Banco Bilbao Vizcaya Argentaria has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500. Comparatively, LCNB has a beta of 0.59, meaning that its stock price is 41% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Banco Bilbao Vizcaya Argentaria and LCNB, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Banco Bilbao Vizcaya Argentaria	1	8	4	0	2.23
LCNB	0	2	1	0	2.33

LCNB has a consensus target price of $20.00, indicating a potential upside of 1.73%. Given LCNB’s stronger consensus rating and higher possible upside, analysts clearly believe LCNB is more favorable than Banco Bilbao Vizcaya Argentaria.

Summary

Banco Bilbao Vizcaya Argentaria beats LCNB on 11 of the 17 factors compared between the two stocks.

About Banco Bilbao Vizcaya Argentaria

Banco Bilbao Vizcaya Argentaria, S.A. (NYSE: BBVA) is a global financial services group headquartered in Bilbao, Spain. The bank traces its origins to Banco de Bilbao, founded in 1857, and adopted the BBVA name in 1999 following the merger of Banco Bilbao Vizcaya and Argentaria. BBVA provides retail and commercial banking services, including checking and savings accounts, consumer and mortgage lending, credit cards, payments, and digital banking. It also serves businesses and institutions through corporate and investment banking, transaction banking, capital markets, and advisory services.

About LCNB

LCNB Corporation is a bank holding company headquartered in Lebanon, Ohio. Its principal subsidiary, LCNB National Bank, operates as a community bank serving individuals, families, businesses and nonprofit organizations. LCNB National Bank provides a range of traditional banking products and services, including checking and savings accounts, certificates of deposit, consumer and commercial loans, residential mortgages, home equity financing and agricultural lending. The bank also offers digital banking, treasury management and other cash-management services designed to support personal and business customers.