LCNB CORPORATION (LCNB) Fundamental Analysis & Valuation

NASDAQ:LCNB • US50181P1003

Current stock price

15.35 USD
+0.16 (+1.05%)
Last:

This LCNB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. LCNB Profitability Analysis

1.1 Basic Checks

  • In the past year LCNB was profitable.
  • LCNB had a positive operating cash flow in the past year.
  • Of the past 5 years LCNB 4 years were profitable.
  • LCNB had a positive operating cash flow in 4 of the past 5 years.
LCNB Yearly Net Income VS EBIT VS OCF VS FCFLCNB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

  • LCNB has a Return On Assets of 1.04%. This is in the better half of the industry: LCNB outperforms 61.94% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.69%, LCNB is in line with its industry, outperforming 46.46% of the companies in the same industry.
Industry RankSector Rank
ROA 1.04%
ROE 8.69%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.9%
ROE(3y)7.2%
ROE(5y)7.73%
ROIC(3y)N/A
ROIC(5y)N/A
LCNB Yearly ROA, ROE, ROICLCNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • LCNB's Profit Margin of 25.81% is in line compared to the rest of the industry. LCNB outperforms 55.38% of its industry peers.
  • LCNB's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for LCNB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.62%
PM growth 5Y-10.2%
GM growth 3YN/A
GM growth 5YN/A
LCNB Yearly Profit, Operating, Gross MarginsLCNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. LCNB Health Analysis

2.1 Basic Checks

  • LCNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for LCNB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
LCNB Yearly Shares OutstandingLCNB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
LCNB Yearly Total Debt VS Total AssetsLCNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of LCNB is 0.16, which is an excellent value as it means it would take LCNB, only 0.16 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of LCNB (0.16) is better than 87.93% of its industry peers.
  • LCNB has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of LCNB (0.04) is better than 83.46% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.16
Altman-Z N/A
ROIC/WACCN/A
WACC14.3%
LCNB Yearly LT Debt VS Equity VS FCFLCNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LCNB Yearly Current Assets VS Current LiabilitesLCNB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. LCNB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 68.04% over the past year.
  • Measured over the past 5 years, LCNB shows a small growth in Earnings Per Share. The EPS has been growing by 1.01% on average per year.
EPS 1Y (TTM)68.04%
EPS 3Y-5.48%
EPS 5Y1.01%
EPS Q2Q%-9.09%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-19.03%

3.2 Future

  • LCNB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.43% yearly.
  • The Revenue is expected to grow by 4.06% on average over the next years.
EPS Next Y10.76%
EPS Next 2Y6.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.47%
Revenue Next 2Y4.06%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
LCNB Yearly Revenue VS EstimatesLCNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
LCNB Yearly EPS VS EstimatesLCNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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7

4. LCNB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.42, which indicates a very decent valuation of LCNB.
  • Based on the Price/Earnings ratio, LCNB is valued cheaply inside the industry as 82.15% of the companies are valued more expensively.
  • LCNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.73.
  • With a Price/Forward Earnings ratio of 8.50, the valuation of LCNB can be described as very reasonable.
  • LCNB's Price/Forward Earnings ratio is rather cheap when compared to the industry. LCNB is cheaper than 81.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.72, LCNB is valued rather cheaply.
Industry RankSector Rank
PE 9.42
Fwd PE 8.5
LCNB Price Earnings VS Forward Price EarningsLCNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of LCNB indicates a rather cheap valuation: LCNB is cheaper than 95.01% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.59
EV/EBITDA N/A
LCNB Per share dataLCNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.88
PEG (5Y)9.31
EPS Next 2Y6.43%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. LCNB Dividend Analysis

5.1 Amount

  • LCNB has a Yearly Dividend Yield of 5.35%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.90, LCNB pays a better dividend. On top of this LCNB pays more dividend than 89.50% of the companies listed in the same industry.
  • LCNB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 5.35%

5.2 History

  • On average, the dividend of LCNB grows each year by 6.26%, which is quite nice.
  • LCNB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • LCNB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.26%
Div Incr Years7
Div Non Decr Years24
LCNB Yearly Dividends per shareLCNB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 52.42% of the earnings are spent on dividend by LCNB. This is a bit on the high side, but may be sustainable.
  • The dividend of LCNB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP52.42%
EPS Next 2Y6.43%
EPS Next 3YN/A
LCNB Yearly Income VS Free CF VS DividendLCNB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
LCNB Dividend Payout.LCNB Dividend Payout, showing the Payout Ratio.LCNB Dividend Payout.PayoutRetained Earnings

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LCNB Fundamentals: All Metrics, Ratios and Statistics

LCNB CORPORATION

NASDAQ:LCNB (3/20/2026, 2:59:52 PM)

15.35

+0.16 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-20
Inst Owners40.19%
Inst Owner Change1.87%
Ins Owners5.73%
Ins Owner Change3.91%
Market Cap217.82M
Revenue(TTM)N/A
Net Income(TTM)23.45M
Analysts45.71
Price Target18.36 (19.61%)
Short Float %0.65%
Short Ratio3.42
Dividend
Industry RankSector Rank
Dividend Yield 5.35%
Yearly Dividend0.9
Dividend Growth(5Y)6.26%
DP52.42%
Div Incr Years7
Div Non Decr Years24
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.11%
Min EPS beat(2)7.19%
Max EPS beat(2)13.03%
EPS beat(4)3
Avg EPS beat(4)11.54%
Min EPS beat(4)-8.86%
Max EPS beat(4)34.8%
EPS beat(8)4
Avg EPS beat(8)-17.22%
EPS beat(12)6
Avg EPS beat(12)-12.41%
EPS beat(16)10
Avg EPS beat(16)-6.07%
Revenue beat(2)2
Avg Revenue beat(2)17.44%
Min Revenue beat(2)0.27%
Max Revenue beat(2)34.61%
Revenue beat(4)4
Avg Revenue beat(4)27.71%
Min Revenue beat(4)0.27%
Max Revenue beat(4)43.08%
Revenue beat(8)4
Avg Revenue beat(8)9.15%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)9.09%
PT rev (3m)7.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.42
Fwd PE 8.5
P/S 2.4
P/FCF 3.59
P/OCF 3.53
P/B 0.81
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)1.63
EY10.62%
EPS(NY)1.81
Fwd EY11.76%
FCF(TTM)4.27
FCFY27.85%
OCF(TTM)4.35
OCFY28.31%
SpS6.4
BVpS19.02
TBVpS11.97
PEG (NY)0.88
PEG (5Y)9.31
Graham Number26.41
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 8.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.81%
GM N/A
FCFM 66.78%
ROA(3y)0.76%
ROA(5y)0.9%
ROE(3y)7.2%
ROE(5y)7.73%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.62%
PM growth 5Y-10.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.16
Debt/EBITDA N/A
Cap/Depr 274.59%
Cap/Sales 1.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 258.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.3%
ROIC/WACCN/A
Cap/Depr(3y)249.37%
Cap/Depr(5y)189.51%
Cap/Sales(3y)3.16%
Cap/Sales(5y)3.2%
Profit Quality(3y)314.37%
Profit Quality(5y)214.69%
High Growth Momentum
Growth
EPS 1Y (TTM)68.04%
EPS 3Y-5.48%
EPS 5Y1.01%
EPS Q2Q%-9.09%
EPS Next Y10.76%
EPS Next 2Y6.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-19.03%
Revenue Next Year4.47%
Revenue Next 2Y4.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y254.75%
FCF growth 3Y77.92%
FCF growth 5Y37.74%
OCF growth 1Y221.96%
OCF growth 3Y73.6%
OCF growth 5Y33.52%

LCNB CORPORATION / LCNB Fundamental Analysis FAQ

What is the fundamental rating for LCNB stock?

ChartMill assigns a fundamental rating of 4 / 10 to LCNB.


Can you provide the valuation status for LCNB CORPORATION?

ChartMill assigns a valuation rating of 6 / 10 to LCNB CORPORATION (LCNB). This can be considered as Fairly Valued.


What is the profitability of LCNB stock?

LCNB CORPORATION (LCNB) has a profitability rating of 3 / 10.


What is the valuation of LCNB CORPORATION based on its PE and PB ratios?

The Price/Earnings (PE) ratio for LCNB CORPORATION (LCNB) is 9.42 and the Price/Book (PB) ratio is 0.81.


Is the dividend of LCNB CORPORATION sustainable?

The dividend rating of LCNB CORPORATION (LCNB) is 8 / 10 and the dividend payout ratio is 52.42%.