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LCNB NasdaqCM:LCNB Stock Report

Last Price

US$15.46

Market Cap

US$218.3m

7D

4.2%

1Y

6.8%

Updated

02 Feb, 2025

Data

Company Financials +

LCNB Corp.

NasdaqCM:LCNB Stock Report

Market Cap: US$218.3m

LCNB Stock Overview

Operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. More details

LCNB fundamental analysis
Snowflake Score
Valuation3/6
Future Growth3/6
Past Performance3/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 48.5% below our estimate of its fair value

Earnings are forecast to grow 29.1% per year

Earnings grew by 7.6% over the past year

Risk Analysis

Dividend of 5.69% is either not well covered by earnings currently or not forecast to be covered


My Notes

Capture your thoughts, links and company narrative

LCNB Corp. Competitors

Princeton Bancorp

NasdaqGS:BPRN

US$210.1m

ESSA Bancorp

NasdaqGS:ESSA

US$211.2m

First United

NasdaqGS:FUNC

US$210.7m

Malaga Financial

OTCPK:MLGF

US$197.9m

Price History & Performance

Summary of share price highs, lows and changes for LCNB
Historical stock prices
Current Share PriceUS$15.46
52 Week HighUS$17.92
52 Week LowUS$12.42
Beta0.78
1 Month Change3.07%
3 Month Change-4.09%
1 Year Change6.84%
3 Year Change-23.20%
5 Year Change-8.84%
Change since IPO136.48%

Recent News & Updates

Recent updates

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

Sep 28

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

May 05
One LCNB Corp. (NASDAQ:LCNB) Analyst Just Cut Their EPS Forecasts

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

Apr 15
Shareholders May Be Wary Of Increasing LCNB Corp.'s (NASDAQ:LCNB) CEO Compensation Package

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

Nov 24
LCNB's (NASDAQ:LCNB) Shareholders Will Receive A Bigger Dividend Than Last Year

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

Aug 25
LCNB (NASDAQ:LCNB) Will Pay A Dividend Of $0.21

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

Jan 29
LCNB's (NASDAQ:LCNB) Shareholders Will Receive A Bigger Dividend Than Last Year

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

Nov 25
LCNB (NASDAQ:LCNB) Is Increasing Its Dividend To $0.21

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

Oct 03

LCNB declares $0.20 dividend

Aug 16

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

Jul 26

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

Jul 13

LCNB Corp: Dividend Hike To 4.8% Yield, Huge 8.5% Buyback In Q1, Strong Asset Quality

Apr 28

LCNB Corp.: A Small Cap Bank With A 4.4% Dividend Yield

Mar 30

LCNB: 4.4% Dividend, 18% EPS Growth In Q3, Strong Internal Metrics

Oct 21

LCNB Corp.: Record Second Quarter Earnings, Continued Increase In Dividend At 4.3% Yield

Aug 04

LCNB: 4% Dividend Plus Buybacks, 30% Upside On Decent Growth, 0.9 P/B

Jun 16

The Case For LCNB Corp. (NASDAQ:LCNB): Could It Be A Nice Addition To Your Dividend Portfolio?

May 03
The Case For LCNB Corp. (NASDAQ:LCNB): Could It Be A Nice Addition To Your Dividend Portfolio?

Shareholder Returns

LCNBUS BanksUS Market
7D4.2%0.9%-0.8%
1Y6.8%41.1%22.7%

Return vs Industry: LCNB underperformed the US Banks industry which returned 41.1% over the past year.

Return vs Market: LCNB underperformed the US Market which returned 22.7% over the past year.

Price Volatility

Is LCNB's price volatile compared to industry and market?
LCNB volatility
LCNB Average Weekly Movement3.8%
Banks Industry Average Movement5.1%
Market Average Movement6.4%
10% most volatile stocks in US Market18.7%
10% least volatile stocks in US Market3.2%

Stable Share Price: LCNB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: LCNB's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1877363Eric Meilstrupwww.lcnb.com

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. Its deposit products include checking accounts, demand deposits, savings accounts, NOW and money market deposits, as well as individual retirement accounts and time certificates. The company’s loan products comprise commercial and industrial, commercial and residential real estate, agricultural, construction, and small business administration loans; and residential mortgage loans that consists of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages.

LCNB Corp. Fundamentals Summary

How do LCNB's earnings and revenue compare to its market cap?
LCNB fundamental statistics
Market capUS$218.26m
Earnings (TTM)US$13.49m
Revenue (TTM)US$79.24m

16.2x

P/E Ratio

0.9x

P/B Ratio

Is LCNB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
LCNB income statement (TTM)
RevenueUS$79.24m
Cost of RevenueUS$0
Gross ProfitUS$79.24m
Other ExpensesUS$65.75m
EarningsUS$13.49m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.96
Gross Margin100.00%
Net Profit Margin17.03%
Debt/Equity Ratio61.3%

How did LCNB perform over the long term?

See historical performance and comparison

Dividends

5.7%

Current Dividend Yield

90%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/02 09:20
End of Day Share Price 2025/01/31 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

LCNB Corp. is covered by 4 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
James BeuryBoenning & Scattergood, Inc.
Robert RamseyFBR Capital Markets & Co.
Brendan NosalHovde Group, LLC