LCNB Corp.

NasdaqCM:LCNB 주식 리포트

시가총액: US$232.6m

LCNB 향후 성장

Future 기준 점검 1/6

LCNB 의 수익은 연간 7.3% 감소할 것으로 예상되는 반면, 연간 수익은 6.5% 로 증가할 것으로 예상됩니다. EPS는 연간 6.5% 만큼 성장할 것으로 예상됩니다.

핵심 정보

6.5%

이익 성장률

6.52%

EPS 성장률

Banks 이익 성장8.2%
매출 성장률-7.3%
향후 자기자본이익률n/a
애널리스트 커버리지

Low

마지막 업데이트04 May 2026

최근 향후 성장 업데이트

Recent updates

분석 기사 • 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...
분석 기사 • 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...
분석 기사 • 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...
분석 기사 • 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...
분석 기사 • 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
분석 기사 • 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...
분석 기사 • 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...
분석 기사 • 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...
분석 기사 • 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...
분석 기사 • 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...
분석 기사 • 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.

이익 및 매출 성장 예측

NasdaqCM:LCNB - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
12/31/20277926N/AN/A2
12/31/20267724N/AN/A2
3/31/202690233435N/A
12/31/202590233334N/A
9/30/202589235960N/A
6/30/202587215658N/A
3/31/20258316104107N/A
12/31/202479138993N/A
9/30/20247576266N/A
6/30/20247175659N/A
3/31/2024701069N/A
12/31/202370132123N/A
9/30/202372191719N/A
6/30/202374211921N/A
3/31/202375222223N/A
12/31/202275222829N/A
9/30/202274212021N/A
6/30/202273202022N/A
3/31/202273201718N/A
12/31/202173211618N/A
9/30/202173211719N/A
6/30/202172201416N/A
3/31/202171201416N/A
12/31/202070201114N/A
9/30/202068191316N/A
6/30/202068201419N/A
3/31/202067191721N/A
12/31/20196719N/A22N/A
9/30/20196519N/A23N/A
6/30/20196419N/A22N/A
3/31/20196117N/A21N/A
12/31/20185815N/A20N/A
9/30/20185513N/A17N/A
6/30/20185312N/A17N/A
3/31/20185112N/A18N/A
12/31/20175113N/A18N/A
9/30/20175113N/A17N/A
6/30/20175013N/A16N/A
3/31/20175013N/A16N/A
12/31/20165012N/A15N/A
9/30/20164912N/A15N/A
6/30/20164911N/A15N/A
3/31/20164912N/A15N/A
12/31/20154811N/A13N/A
9/30/20154812N/A16N/A
6/30/20154712N/A17N/A

애널리스트 향후 성장 전망

수입 대 저축률: LCNB 의 연간 예상 수익 증가율(6.5%)이 saving rate(3.5%)보다 높습니다.

수익 vs 시장: LCNB 의 연간 수익(6.5%)이 US 시장(16.8%)보다 느리게 성장할 것으로 예상됩니다.

고성장 수익: LCNB 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.

수익 대 시장: LCNB 의 수익은 향후 3년간 감소할 것으로 예상됩니다(연간 -7.3%).

고성장 매출: LCNB 의 수익은 향후 3년 동안 감소할 것으로 예상됩니다(연간 -7.3%).

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: LCNB의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/05/24 08:19
종가2026/05/22 00:00
수익2026/03/31
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
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주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

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이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.

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산업 및 섹터 지표

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분석가 소스

LCNB Corp.는 2명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

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