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LCNB NasdaqCM:LCNB Stock Report

Last Price

US$13.64

Market Cap

US$193.1m

7D

-3.1%

1Y

-2.8%

Updated

13 Apr, 2025

Data

Company Financials +

LCNB Corp.

NasdaqCM:LCNB Stock Report

Market Cap: US$193.1m

LCNB Stock Overview

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

LCNB fundamental analysis
Snowflake Score
Valuation2/6
Future Growth3/6
Past Performance3/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 55.9% below our estimate of its fair value

Earnings are forecast to grow 27.81% per year

Earnings grew by 6.9% over the past year

Risk Analysis

Dividend of 6.45% is either not well covered by earnings currently or not forecast to be covered


LCNB Corp. Competitors

Malaga Financial

OTCPK:MLGF

US$191.7m

Princeton Bancorp

NasdaqGS:BPRN

US$191.5m

Penns Woods Bancorp

NasdaqGS:PWOD

US$194.4m

Chemung Financial

NasdaqGS:CHMG

US$195.1m

Price History & Performance

Summary of share price highs, lows and changes for LCNB
Historical stock prices
Current Share PriceUS$13.64
52 Week HighUS$17.92
52 Week LowUS$12.42
Beta0.68
1 Month Change-8.27%
3 Month Change-6.19%
1 Year Change-2.85%
3 Year Change-20.70%
5 Year Change11.35%
Change since IPO108.64%

Recent News & Updates

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

Feb 27
LCNB (NASDAQ:LCNB) Is Paying Out A Dividend Of $0.22

Recent updates

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

Feb 27
LCNB (NASDAQ:LCNB) Is Paying Out A Dividend Of $0.22

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

Shareholder Returns

LCNBUS BanksUS Market
7D-3.1%5.3%5.4%
1Y-2.8%10.5%3.6%

Return vs Industry: LCNB underperformed the US Banks industry which returned 10.3% over the past year.

Return vs Market: LCNB underperformed the US Market which returned 3.6% over the past year.

Price Volatility

Is LCNB's price volatile compared to industry and market?
LCNB volatility
LCNB Average Weekly Movement4.4%
Banks Industry Average Movement4.6%
Market Average Movement7.7%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market4.0%

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.

Community vs My Fair Value

Select a narrative for quick price alerts from the community, or create your own.

About the Company

FoundedEmployeesCEOWebsite
1877370Eric Meilstrupwww.lcnb.com

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. The company offers checking and savings accounts; interest-bearing demand and money market deposit; and time certificates. It 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.

LCNB Corp. Fundamentals Summary

How do LCNB's earnings and revenue compare to its market cap?
LCNB fundamental statistics
Market capUS$193.11m
Earnings (TTM)US$13.41m
Revenue (TTM)US$79.24m

14.4x

P/E Ratio

0.8x

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$65.83m
EarningsUS$13.41m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.95
Gross Margin100.00%
Net Profit Margin16.92%
Debt/Equity Ratio61.3%

How did LCNB perform over the long term?

See historical performance and comparison

Dividends

6.5%

Current Dividend Yield

90%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/13 00:16
End of Day Share Price 2025/04/11 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.

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 Github.

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