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LCNB Corp. LCNB R2K

Financial Services · Banks - Regional · United States
https://www.lcnbcorp.com

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. It offers checking and savings accounts; interest-bearing demand and money market deposit; and time certificates. The company also provides commercial and industrial, commercial and residential real estate, agricultural, construction, various types of consumer, and small business administration loans; residential mortgage loans, such as loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages; and consumer lending comprising automobile, boat, home improvement, and personal loans. In addition, it offers trust administration, estate settlement, and fiduciary services; and investment management of trusts, agency accounts, individual retirement accounts, and foundations/endowments. Further, the company offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services. Additionally, it provides safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, cash management services, telephone banking, PC Internet banking, mobile banking, and other services for individuals and businesses. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.

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$17.04
+24.20% 1Y

Market & Price

Market Cap
$242.75M
Current Price
$17.04
High / Low (52W)
$17.62 / $13.31
Beta
0.58

Valuation

Stock P/E
10.58
Industry PE
12.01
Forward P/E
9.41
PEG Ratio
-
Book Value
$19.36
Price to Book
0.88
P/S
2.70
EV/EBITDA
-
Dividend Yield
5.16%

Profitability & Returns

ROCE
-
ROE
8.59%
ROA
1.01%
Profit Margin
25.52%
Op Margin
27.46%
EPS (Latest Qtr)
$0.31
EPS (TTM)
$1.61

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$110.89M
Total Assets
$2.24B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
5.66%
Chg in Prom Hold
0.00%
FII / Inst Holding
41.60%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$321.75M
Total Revenue (TTM)
$89.94M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$35.28M
Shares Outstanding
14.25M
Gross Margin
0.00%
Payout Ratio
54.66%

Growth (CAGR)

Revenue 5Y
6.89%
Profit 5Y
1.47%
Revenue (YoY)
-0.60%
Earnings (YoY)
-4.90%

PROS

  • Excellent profit margin of 25.5%.
  • Attractive dividend yield of 5.16%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 LCNB LCNB Corp. R2K 17.04 10.58 $242.75M 5.16% - 8.59% 6.89% 1.47%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------21.52M22.79M23.83M23.86M23.54M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------9.02M8.40M8.18M6.93M6.58M
Pretax Income -----------------------------------5.51M7.20M8.47M6.96M5.32M
Tax Provision -----------------------------------906.00K1.28M1.54M1.30M877.00K
Net Income 2.63M2.88M2.96M2.97M2.90M3.65M3.25M3.00M3.11M3.62M2.71M2.74M4.20M5.19M4.63M4.73M4.73M4.83M5.03M5.06M4.25M5.74M5.24M5.29M4.82M4.52M5.62M5.58M4.16M4.69M4.07M1.92M925.00K4.53M-4.61M5.92M6.94M5.66M4.44M
Diluted EPS 0.260.290.300.290.290.370.320.300.310.360.270.250.320.400.350.360.360.370.390.390.330.440.410.410.390.380.490.490.370.420.370.150.070.31-0.330.410.490.400.31

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----6.45M--------75.33M71.76M81.20M92.00M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------4.71M23.25M44.22M32.52M
Pretax Income -------------26.95M15.26M15.96M28.15M
Tax Provision -------------4.82M2.63M2.47M5.03M
Net Income 7.77M9.37M8.12M8.27M8.78M9.87M11.47M12.48M12.97M14.85M18.91M20.07M-22.13M12.63M13.49M23.12M
Diluted EPS ---1.221.101.051.171.251.291.241.441.55-1.931.100.971.63

Compounded Sales Growth

5 Years:6.89%
1 Year:-0.60%

Compounded Profit Growth

5 Years:1.47%
1 Year:-4.90%

Stock Price Performance

1 Year:+24.20%
6 Months:+9.96%
3 Months:+1.61%
1 Month:+5.06%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --760.13M791.57M788.64M932.34M1.11B1.28B1.31B1.30B1.64B1.64B1.75B-1.92B2.29B2.31B2.24B
Current Assets ------------------
Cash & Equivalents 18.02M12.63M11.00M19.54M13.47M14.69M15.85M14.99M18.86M25.39M20.04M20.77M31.73M-22.70M39.72M35.99M24.32M
Inventory ------------------
Receivables --------------7.48M8.40M8.70M7.97M
Total Liabilities --689.43M713.61M706.63M813.47M982.37M1.14B1.16B1.15B1.42B1.41B1.51B-1.72B2.06B2.05B1.97B
Current Liabilities ------------------
Long Term Debt --------------19.07M113.12M155.15M104.43M
Total Debt --------------97.17M216.78M161.27M111.31M
Total Equity 58.12M65.61M70.71M77.96M82.01M118.87M125.69M140.11M142.94M150.27M218.99M228.05M240.82M-200.68M235.30M253.04M273.93M
Shares Outstanding --------------14.27M16.38M17.33M17.41M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 8.73M13.80M10.66M10.99M10.43M15.94M13.24M15.48M18.14M19.74M21.97M13.68M-28.71M23.36M93.24M34.40M
Investing Cash Flow -87.90M-31.09M-21.21M-5.51M-587.00K-11.00M-65.57M-27.52M14.80M-10.79M9.06M-80.05M--48.38M-60.41M61.39M52.05M
Financing Cash Flow 73.77M15.67M19.09M-11.54M-8.63M-3.78M51.47M15.91M-26.41M-14.30M-30.30M77.34M-24.23M54.07M-158.61M-100.58M
Capital Expenditure -1.32M-1.45M-2.58M-478.00K-858.00K-1.05M-504.00K-9.45M-6.62M-600.00K-3.93M-2.79M--884.00K-2.61M-3.80M-959.00K
Free Cash Flow 7.41M12.35M8.08M10.51M9.58M14.89M12.73M6.03M11.52M19.14M18.03M10.89M-27.83M20.75M89.44M33.44M
Net Change in Cash -------------4.57M17.02M-3.98M-14.13M
Share Buybacks -------00348.00K6.83M1.87M8.31M23.66M3.33M--

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ----136.2%--------29.4%17.6%16.6%25.1%
ROE % 11.8%13.3%10.4%10.1%7.4%7.9%8.2%8.7%8.6%6.8%8.3%8.3%-11.0%5.4%5.3%8.4%
ROCE % -----------------

Shareholding Pattern

Insiders
5.66%
Institutions
41.60%
Public Float
44.10%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 5.80% 825.76K $14.07M
2 Vanguard Capital Management LLC 3.84% 546.56K $9.31M
3 Ritter Daniher Financial Advisory LLC / De 3.83% 544.93K $9.29M
4 Dimensional Fund Advisors LP 3.67% 523.53K $8.92M
5 LCNB Corp 3.58% 509.46K $8.68M
6 Geode Capital Management, LLC 2.28% 325.50K $5.55M
7 State Street Corporation 1.28% 182.37K $3.11M
8 Renaissance Technologies, LLC 1.10% 156.28K $2.66M
9 Johnson Investment Counsel Inc 0.96% 136.91K $2.33M
10 Bridgeway Capital Management, LLC 0.85% 120.43K $2.05M

Analyst View

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