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LCNB Corp.Informe acción NasdaqCM:LCNB

Capitalización bursátil US$232.6m
Precio de las acciones
US$16.33
US$17.5
6.7% infravalorado descuento intrínseco
1Y12.9%
7D4.3%
1D
Valor de la cartera
​
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LCNB Corp.

Informe acción NasdaqCM:LCNB

Capitalización de mercado: US$232.6m

LCNB (LCNB) Resumen de Acciones

LCNB Corp. opera como holding financiero de LCNB National Bank, que presta servicios bancarios en Estados Unidos. Saber más

Análisis fundamental de LCNB
Puntuación del snowflake
Valoración3/6
Crecimiento futuro1/6
Rendimiento pasado4/6
Salud financiera6/6
Dividendos5/6

Recompensas

Cotiza un 12.1% por debajo de nuestra estimación de su valor justo

Se prevé un crecimiento anual de los beneficios de 6.52%

Los beneficios aumentaron un 41.9% el pasado año

Paga dividendo elevado y fiable de 5.39%

Análisis de riesgos

No se han detectado riesgos en LCNB a partir de nuestros controles de riesgos.

LCNB Community Fair Values

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Competidores de LCNB Corp.

Historial de precios y rendimiento

Resumen de las cotizaciones máximas, mínimas y variaciones del LCNB
Precios históricos de las acciones
Precio actual de la acciónUS$16.33
Máximo en las últimas 52 semanasUS$17.89
Mínimo de 52 semanasUS$13.75
Beta0.58
Cambio en 1 mes-0.061%
Variación en 3 meses-4.50%
Cambio de 1 año12.93%
Variación en 3 años14.00%
Variación en 5 años-7.43%
Variación desde la OPV149.79%

Noticias y actualizaciones recientes

Recent updates

Artículo de análisis • Nov 25

LCNB (NASDAQ:LCNB) Is Due To Pay A Dividend Of $0.22

LCNB Corp. ( NASDAQ:LCNB ) will pay a dividend of $0.22 on the 15th of December. This makes the dividend yield 5.6...
Artículo de análisis • Aug 25

LCNB (NASDAQ:LCNB) Will Pay A Dividend Of $0.22

LCNB Corp.'s ( NASDAQ:LCNB ) investors are due to receive a payment of $0.22 per share on 16th of September. Based on...
Artículo de análisis • May 23

LCNB (NASDAQ:LCNB) Will Pay A Dividend Of $0.22

LCNB Corp. ( NASDAQ:LCNB ) has announced that it will pay a dividend of $0.22 per share on the 16th of June. This makes...
Artículo de análisis • May 12

It May Be Possible That LCNB Corp.'s (NASDAQ:LCNB) CEO Compensation Could Get Bumped Up

Key Insights LCNB will host its Annual General Meeting on 19th of May Total pay for CEO Eric Meilstrup includes...
Artículo de análisis • Feb 27

LCNB (NASDAQ:LCNB) Is Paying Out A Dividend Of $0.22

LCNB Corp. ( NASDAQ:LCNB ) will pay a dividend of $0.22 on the 17th of March. The dividend yield will be 5.9% based on...
Seeking Alpha • Sep 28

LCNB Corp.: 5.9% Dividend Yield But Earnings Likely To Dip And Stock Appears Somewhat Overvalued

Summary The biggest earnings catalyst is organic growth in both residential and commercial real estate loans. Interest rate cuts will likely slightly boost the net interest margin. Earnings will likely dip this year because of the merger and then recover next year. The current market price is higher than the year-end target price. On the other hand, LCNB is offering an attractive dividend yield of 5.9%. Although the dividend payout ratio will most probablyimprove from now onwards, we’re not out of the woods yet because the capitallevel is quite low. Therefore, there is a slight chance of a dividend cut. Read the full article on Seeking Alpha
Artículo de análisis • May 05

One LCNB Corp. (NASDAQ:LCNB) Analyst Just Cut Their EPS Forecasts

One thing we could say about the covering analyst on LCNB Corp. ( NASDAQ:LCNB ) - they aren't optimistic, having just...
Artículo de análisis • Apr 15

Shareholders May Be Wary Of Increasing LCNB Corp.'s (NASDAQ:LCNB) CEO Compensation Package

Key Insights LCNB's Annual General Meeting to take place on 22nd of April Total pay for CEO Eric Meilstrup includes...
Artículo de análisis • Nov 24

LCNB's (NASDAQ:LCNB) Shareholders Will Receive A Bigger Dividend Than Last Year

LCNB Corp. ( NASDAQ:LCNB ) will increase its dividend on the 15th of December to $0.22, which is 4.8% higher than last...
Artículo de análisis • Aug 25

LCNB (NASDAQ:LCNB) Will Pay A Dividend Of $0.21

LCNB Corp. ( NASDAQ:LCNB ) has announced that it will pay a dividend of $0.21 per share on the 15th of September. The...
Artículo de análisis • Jan 29

LCNB's (NASDAQ:LCNB) Shareholders Will Receive A Bigger Dividend Than Last Year

LCNB Corp. ( NASDAQ:LCNB ) has announced that it will be increasing its dividend from last year's comparable payment on...
Artículo de análisis • Nov 25

LCNB (NASDAQ:LCNB) Is Increasing Its Dividend To $0.21

LCNB Corp. ( NASDAQ:LCNB ) has announced that it will be increasing its periodic dividend on the 15th of December to...
Seeking Alpha • Oct 03

LCNB Corp. Offering A High Dividend Yield With An Apparently Secure Payout

Summary Normal loan growth and slight margin expansion will likely lift earnings in the next year and a half. LCNB is currently offering a high dividend yield. Further, the payout appears secure considering the earnings outlook. The December 2022 target price suggests a high upside from the current market price.
Seeking Alpha • Aug 16

LCNB declares $0.20 dividend

LCNB (NASDAQ:LCNB) declares $0.20/share quarterly dividend, in line with previous. Forward yield 4.94% Payable Sept. 15; for shareholders of record Sept. 1; ex-div Aug. 31. See LCNB Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha • Jul 26

LCNB GAAP EPS of $0.49 beats by $0.09, revenue of $18.69M beats by $4.41M

LCNB press release (NASDAQ:LCNB): Q2 GAAP EPS of $0.49 beats by $0.09. Revenue of $18.69M (+0.1% Y/Y) beats by $4.41M. Loans, Net Increased 4.2% Year-over-Year to $1.37 Billion. Total Deposits Increased 5.2% Year-over-Year to $1.66 Billion. Credit Quality Remains Strong with Total Nonperforming Loans Declining to $0.6 Million, or 0.04% of Total Loans.
Seeking Alpha • Jul 13

LCNB: A Handsome 5%+ Yield But The TBV Is Under Pressure

LCNB is a small bank focusing on certain areas of Ohio. The local approach results in an exemplary quality level of the loan portfolio. The total amount of non-accruing assets is less than 0.1% of the loan portfolio and is backed by real estate assets. A solid performance in Q1, but the TBV was sliding due to the impact of higher interest rates on the securities portfolio. The bank also repurchased more than 8% of its shares above book value, which also had an impact on the TBV/share. Introduction LCNB (LCNB) is a small bank operating in certain areas of Ohio. Last time I looked at the bank I liked the dividend yield of in excess of 4% in combination with a robust loan book with very few loans past due. The share price has now fallen by approximately 15% since that previous article was published, so I wanted to have another look at the bank as its dividend yield has now increased to in excess of 5%. Data by YCharts The quarterly results were more than alright and LCNB’s dividend remains hedged My first stop when looking at a bank traditionally is the most recent income statement as that provides a good overview of how the bank is actually performing. Dividends are paid from earnings so having a solid earnings potential is likely one of the most important factors contributing to a healthy dividend policy. In the first quarter, LCNB’s interest income decreased just slightly, by a few hundred thousand dollar to $15.1M. Fortunately the interest expenses also decreased by in excess of 20% resulting in a net interest income of $14.2M which is just about 1% lower than in the first quarter of 2021, so that’s pretty good. LCNB Investor Relations It’s not difficult to understand the operating expenses continue to increase and we indeed see an increase in the non-interest expenses to $12.25M, an increase of approximately $750,000 compared to Q1 of last year. That’s entirely contributable to the higher salaries paid by LCNB as the bank saw its wage bill increase by about $0.8M. The combination of a slightly lower net interest income and a slightly higher net non-interest expense (up from $8M to $8.7M) caused the pre-tax income to decrease to $5.5M. That includes a $49,000 loan loss provision (compared to a $52,000 credit recorded in Q1 of last year). The net income was $4.5M for an EPS of $0.38. As the current quarterly dividend is still $0.20, the coverage ratio remains very strong considering the payout ratio is just under 53%. So looking at LCNB from an earnings perspective, the dividend appears to be safe. Especially considering the total amount of nonperforming assets continued to decrease. LCNB Investor Relations The total amount of non-accruing and past due loans came in at $3.74M, a decrease of 10% in the first quarter. As most of the non-accrual loans are secured by real estate (either CRE or residential real estate), LCNB will likely be able to recoup most of the investment. LCNB Investor Relations I also like the focus on the wealth management division and the assets under management increased to almost $1B. That sounds negligible but further down the road this could become ‘sticky’ revenue: if LCNB does a good job the AUM will continue to increase which will have a positive impact on the non-interest income. The fiduciary income is approximately $1.5M per quarter. LCNB Investor Relations The exposure to securities available for sale had a very negative impact on the book value So everything is looking good at first sight: the bank is trading at less than 10 times earnings and the healthy dividend makes LCNB attractive from both an income as well as a fundamental perspective. There’s just one element bothering me: the value destruction in the ‘securities available for sale’ portfolio. As interest rates fluctuate, the fair value of this portfolio changes. As these securities are marked as ‘available for sale’ the valuation increases and decreases don’t have to be recorded on the normal income statement, but they do show up on the comprehensive income statement.

Rentabilidad de los accionistas

LCNBUS BanksMercado US
7D4.3%3.2%1.1%
1Y12.9%22.3%28.7%

Rentabilidad vs. Industria: Los resultados de LCNB fueron inferiores a los de la industria US Banks, que obtuvo un rendimiento del 22.3% el año pasado.

Rentabilidad vs. Mercado: LCNB obtuvo unos resultados inferiores a los del mercado US, que fueron del 28.7% el año pasado.

Volatilidad de los precios

Is LCNB's price volatile compared to industry and market?
LCNB volatility
LCNB Average Weekly Movement3.8%
Banks Industry Average Movement3.4%
Market Average Movement7.2%
10% most volatile stocks in US Market16.5%
10% least volatile stocks in US Market3.1%

Precio estable de las acciones: LCNB no ha tenido una volatilidad de precios significativa en los últimos 3 meses en comparación con el mercado US.

Volatilidad a lo largo del tiempo: La volatilidad semanal de LCNB (4%) se ha mantenido estable durante el año pasado.

Acerca de la empresa

FundadaEmpleadosCEOPágina web
1877346Eric Meilstrupwww.lcnbcorp.com

LCNB Corp. opera como holding financiero de LCNB National Bank, que presta servicios bancarios en Estados Unidos. Ofrece cuentas corrientes y de ahorro; depósitos a la vista y del mercado monetario que devengan intereses; y certificados a plazo fijo. La empresa también concede préstamos comerciales e industriales, préstamos inmobiliarios comerciales y residenciales, préstamos agrícolas, préstamos para la construcción, diversos tipos de préstamos al consumo y préstamos para la administración de pequeñas empresas; préstamos hipotecarios residenciales, como préstamos para la compra o refinanciación de residencias personales, líneas de crédito con garantía hipotecaria y préstamos para fines comerciales o de consumo garantizados por hipotecas residenciales; y préstamos al consumo que incluyen préstamos para automóviles, embarcaciones, mejoras en el hogar y préstamos personales.

Resumen de fundamentos de LCNB Corp.

¿Cómo se comparan los beneficios e ingresos de LCNB con su capitalización de mercado?
Estadísticas fundamentales de LCNB
Capitalización bursátilUS$232.64m
Beneficios(TTM)US$22.82m
Ingresos (TTM)US$89.94m
10.2x
Ratio precio-beneficio (PE)
0.8x
Precio/valor contable

¿Está LCNB sobrevalorada?

Ver valor justo y análisis de valoración

Beneficios e Ingresos

Estadísticas clave de rentabilidad del último informe de resultados (TTM)
Cuenta de resultados (TTM) de LCNB
IngresosUS$89.94m
Coste de los ingresosUS$0
Beneficio brutoUS$89.94m
Otros gastosUS$67.11m
BeneficiosUS$22.82m

Últimos beneficios comunicados

Mar 31, 2026

Próxima fecha de beneficios

n/a

Beneficios por acción (BPA)1.60
Margen bruto100.00%
Margen de beneficio neto25.38%
Ratio deuda/patrimonio37.8%

¿Cómo se ha desempeñado LCNB a largo plazo?

Ver rendimiento histórico y comparativa

Dividendos

5.4%
Rentabilidad actual por dividendo
54%
Ratio de pagos
¿Cuándo hay que comprar LCNB para recibir un próximo dividendo?
fechas de dividendos de LCNB
Fecha ex dividendoJun 01 2026
Fecha de pago de dividendosJun 15 2026
Días hasta ex dividendo8 days
Días hasta la fecha de pago de dividendos22 days

Análisis de la empresa y estado de los datos financieros

DatosÚltima actualización (huso horario UTC)
Análisis de la empresa2026/05/24 03:30
Precio de las acciones al final del día2026/05/22 00:00
Beneficios2026/03/31
Ingresos anuales2025/12/31

Fuentes de datos

Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.

PaqueteDatosMarco temporalEjemplo Fuente EE.UU. *
Finanzas de la empresa10 años
  • Cuenta de resultados
  • Estado de tesorería
  • Balance
Estimaciones del consenso de analistas+3 años
  • Previsiones financieras
  • Objetivos de precios de los analistas
Precios de mercado30 años
  • Precios de las acciones
  • Dividendos, escisiones y acciones
Propiedad10 años
  • Accionistas principales
  • Información privilegiada
Gestión10 años
  • Equipo directivo
  • Consejo de Administración
Principales avances10 años
  • Anuncios de empresas

* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.

A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.

Modelo de análisis y copo de nieve

Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.

Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.

Métricas industriales y sectoriales

Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.

Fuentes analistas

LCNB Corp. está cubierta por 2 analistas. 2 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.

AnalistaInstitución
Daniel CardenasBrean Capital Historical (Janney Montgomery)
Brendan NosalHovde Group, LLC