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LCNB Corp. LCNB R2K

Financial Services · Banks - Regional · United States
https://www.lcnbcorp.com
Company Profile ↓
$17.59
+20.60% 1Y
Mkt Cap$250.59M
P/E10.93
P/B0.90
Div. Yield5.04%
52W High$18.52
52W Low$13.46
Book Value$19.36
EPS (TTM)$1.61

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 10.9, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 25.5%.

Dividend Income

Offers a dividend yield of 5.04%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue -0.6%, earnings -4.9%.
  • 5-Year Trend Long-term compounding — profit CAGR 7.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:-0.60%

Compounded Profit Growth

5 Years:7.06%
1 Year:-4.90%

Stock Price Performance

1 Year:+20.60%
6 Months:+10.56%
3 Months:+4.15%
1 Month:+2.93%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 82% of range
$13.46 $18.52
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)53.14 · Neutral
Price Performance
1M+2.93%
3M+4.15%
6M+10.56%
1Y+20.60%
Valuation vs Sector

P/E of 10.93 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 25.5%.
  • Attractive dividend yield of 5.04%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
10.93
Industry PE
13.30
Forward P/E
9.72
PEG Ratio
-
Book Value
$19.36
Price to Book
0.90
P/S
2.76
EV/EBITDA
-
Dividend Yield
5.04%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
7.06%
Revenue (YoY)
-0.60%
Earnings (YoY)
-4.90%

Profitability & Returns

ROCE
-
ROE
8.59%
ROA
1.01%
Profit Margin
25.52%
Op Margin
27.46%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.31
EPS (TTM)
$1.61

Balance Sheet & Liquidity

Debt/Equity
0.40
Quick Ratio
-
Current Ratio
-
Debt
$110.89M
Total Assets
$2.24B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
5.66%
Chg in Prom Hold
-
FII / Inst Holding
41.37%
Chg in FII Hold
-0.34%

Financial Snapshot

Enterprise Value
$250.59M
Total Revenue (TTM)
$89.94M
EBITDA
-
Free Cash Flow
$33.44M
Operating Cash Flow
$35.28M
Shares Outstanding
14.25M
Gross Margin
0.00%
Payout Ratio
54.66%

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 17.59 10.93 $250.59M 5.04% - 8.59% - 7.06%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 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 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 2.83M3.12M2.63M2.88M2.96M2.97M2.90M3.65M3.25M3.00M3.11M3.62M2.71M2.74M4.20M5.19M4.63M4.73M4.73M4.83M5.03M5.06M4.25M5.74M5.24M5.29M4.82M4.52M5.62M5.58M4.16M4.69M4.07M1.92M925.00K4.53M4.61M5.92M6.94M4.44M
Diluted EPS 0.300.320.260.290.300.290.290.370.320.300.310.360.270.250.320.400.350.360.360.370.390.390.330.440.410.410.390.380.490.490.370.420.370.150.070.310.330.410.490.31

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------------
Net Income 7.77M9.37M8.12M8.27M8.78M9.87M11.47M12.48M12.97M14.85M18.91M20.07M20.97M22.13M12.63M13.49M23.12M
Diluted EPS ---1.221.101.051.171.251.291.241.441.551.661.931.100.971.63

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 --760.13M791.57M788.64M932.34M1.11B1.28B1.31B1.30B1.64B1.64B1.75B1.90B1.92B2.29B2.31B2.24B
Total Equity 58.12M65.61M70.71M77.96M82.01M118.87M125.69M140.11M142.94M150.27M218.99M228.05M240.82M238.60M200.68M235.30M253.04M273.93M
Cash & Equivalents 18.02M12.63M11.00M19.54M13.47M14.69M15.85M14.99M18.86M25.39M20.04M20.77M31.73M18.14M22.70M39.72M35.74M21.61M
Long Term Debt -------------10.00M19.07M113.12M155.15M104.43M
Total Liabilities --689.43M713.61M706.63M813.47M982.37M1.14B1.16B1.15B1.42B1.41B1.51B1.67B1.72B2.06B2.05B1.97B

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 8.73M13.80M10.66M10.99M10.43M15.94M13.24M15.48M18.14M19.74M21.97M13.68M17.82M28.71M23.36M93.24M34.40M
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-175.22M-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-30.30M77.34M143.80M24.23M54.07M-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-1.94M-884.00K-2.61M-3.80M-959.00K
Free Cash Flow 7.41M12.35M8.08M10.51M9.58M14.89M12.73M6.03M11.52M19.14M18.03M10.89M15.88M27.83M20.75M89.44M33.44M
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%------------
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%8.8%11.0%5.4%5.3%8.4%
ROCE % -----------------

Shareholding Pattern

Insiders
5.66%
Institutions
41.37%
Public Float
43.85%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 5.80% 825.76K $14.60M
2 Vanguard Capital Management LLC 3.84% 546.56K $9.66M
3 Ritter Daniher Financial Advisory LLC / De 3.83% 544.93K $9.63M
4 Dimensional Fund Advisors LP 3.67% 523.53K $9.25M
5 LCNB Corp 3.58% 509.46K $9.00M
6 Geode Capital Management, LLC 2.28% 325.50K $5.75M
7 State Street Corporation 1.28% 182.37K $3.22M
8 Renaissance Technologies, LLC 1.10% 156.28K $2.76M
9 Johnson Investment Counsel Inc 0.96% 136.91K $2.42M
10 Bridgeway Capital Management, LLC 0.85% 120.43K $2.13M

Analyst View

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Latest News

Recent headlines for LCNB

Google News Wed, 17 Jun 2026

How an Ohio banker and dad helped Luke Kennard reach the NBA - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxPZTJuYjE3ekpNUG8wUmRGdHJlaTgydjFZMUJPNVI0OXBndEJFbFBWNWtMQzluekk4MEZOdFI1anhZQ05neVY1NnFzZTh5U0oxcXQ1TU9tRkNxcTd2VFI3SDZib3ozaDVoal9IbXI3alEyX0V6SFVGUnkzeXRrZGx5anp4elMzMUl1ZC15WV…

Google News hu, 09 Jul 2026

LCNB stock reflects steady regional banking profile - Ad-hoc-news.de

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Google News hu, 28 May 2026

Interested In LCNB's (NASDAQ:LCNB) Upcoming US$0.22 Dividend? You Have Three Days Left - Yahoo Finance

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Google News Wed, 08 Jul 2026

How (LCNB) Movements Inform Risk Allocation Models - Stock Traders Daily

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Google News Wed, 27 May 2026

Two experienced bankers join LCNB to bolster Columbus team - Stock Titan

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Google News Fri, 04 Oct 2024

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LCNB — Frequently Asked Questions

What is the current share price of LCNB Corp. (LCNB)?

As of 2026-07-14 21:23 PDT, LCNB Corp. (LCNB) trades at $17.59 on NasdaqCM. Its 52-week range is $13.46 to $18.52.

What is the market capitalisation of LCNB?

LCNB Corp. (LCNB) has a market capitalisation of $250.59M on NasdaqCM.

What is the P/E ratio of LCNB?

LCNB trades at a trailing price-to-earnings (P/E) ratio of 10.93. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.90.

Does LCNB pay a dividend?

LCNB Corp. (LCNB) currently offers a dividend yield of 5.04%.

What is the return on equity (ROE) of LCNB?

LCNB has a return on equity (ROE) of 8.59%.

Is LCNB a good stock to buy?

This page provides a data-driven analysis of LCNB Corp. (LCNB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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