17.69 USD
-0.16 (-0.9%)
Last: Feb 5, 2026, 10:22 AM
We assign a fundamental rating of 4 out of 10 to LCNB. LCNB was compared to 383 industry peers in the Banks industry. The financial health of LCNB is average, but there are quite some concerns on its profitability. LCNB has a valuation in line with the averages, but on the other hand it scores bad on growth. LCNB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- LCNB had positive earnings in the past year.
- In the past year LCNB had a positive cash flow from operations.
- LCNB had positive earnings in 4 of the past 5 years.
- LCNB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- LCNB has a better Return On Assets (1.05%) than 63.97% of its industry peers.
- LCNB's Return On Equity of 8.69% is in line compared to the rest of the industry. LCNB outperforms 47.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.69% | ||
| ROIC | N/A |
ROA(3y)0.76%
ROA(5y)0.9%
ROE(3y)7.21%
ROE(5y)7.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- LCNB's Profit Margin of 25.81% is fine compared to the rest of the industry. LCNB outperforms 60.31% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.81% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.48%
PM growth 5Y-10.76%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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.
2.2 Solvency
- LCNB has a debt to FCF ratio of 0.16. This is a very positive value and a sign of high solvency as it would only need 0.16 years to pay back of all of its debts.
- LCNB has a better Debt to FCF ratio (0.16) than 87.73% of its industry peers.
- A Debt/Equity ratio of 0.04 indicates that LCNB is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.04, LCNB belongs to the best of the industry, outperforming 83.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 68.04% over the past year.
- The Earnings Per Share has been growing slightly by 1.01% on average over the past years.
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 4.95% yearly.
- The Revenue is expected to grow by 4.22% on average over the next years.
EPS Next Y7.63%
EPS Next 2Y4.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.36%
Revenue Next 2Y4.22%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 10.85, the valuation of LCNB can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of LCNB indicates a somewhat cheap valuation: LCNB is cheaper than 77.81% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.25, LCNB is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 10.08, the valuation of LCNB can be described as reasonable.
- Based on the Price/Forward Earnings ratio, LCNB is valued a bit cheaper than 68.15% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of LCNB to the average of the S&P500 Index (27.50), we can say LCNB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 10.08 |
4.2 Price Multiples
- 93.99% of the companies in the same industry are more expensive than LCNB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.42
PEG (5Y)10.73
EPS Next 2Y4.95%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- LCNB has a Yearly Dividend Yield of 4.99%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.64, LCNB pays a better dividend. On top of this LCNB pays more dividend than 90.34% 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
5.2 History
- The dividend of LCNB is nicely growing with an annual growth rate of 6.10%!
- 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)6.1%
Div Incr Years7
Div Non Decr Years24
5.3 Sustainability
- LCNB pays out 52.41% of its income as dividend. This is a bit on the high side, but may be sustainable.
- LCNB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP52.41%
EPS Next 2Y4.95%
EPS Next 3YN/A
NASDAQ:LCNB (2/5/2026, 10:22:14 AM)
17.69
-0.16 (-0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-20 2026-04-20
Inst Owners39.3%
Inst Owner Change-0.21%
Ins Owners5.51%
Ins Owner Change0.07%
Market Cap251.02M
Revenue(TTM)N/A
Net Income(TTM)23.45M
Analysts45.71
Price Target16.83 (-4.86%)
Short Float %0.67%
Short Ratio3.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
Yearly Dividend0.89
Dividend Growth(5Y)6.1%
DP52.41%
Div Incr Years7
Div Non Decr Years24
Ex-DateN/A
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.88%
EPS NY rev (1m)0%
EPS NY rev (3m)5.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 10.08 | ||
| P/S | 2.76 | ||
| P/FCF | 4.11 | ||
| P/OCF | 4.05 | ||
| P/B | 0.93 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.63
EY9.21%
EPS(NY)1.75
Fwd EY9.92%
FCF(TTM)4.3
FCFY24.3%
OCF(TTM)4.37
OCFY24.7%
SpS6.4
BVpS19.03
TBVpS12
PEG (NY)1.42
PEG (5Y)10.73
Graham Number26.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| 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 | 67.16% |
ROA(3y)0.76%
ROA(5y)0.9%
ROE(3y)7.21%
ROE(5y)7.74%
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-17.48%
PM growth 5Y-10.76%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.16 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 275% | ||
| Cap/Sales | 1.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 260.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.81%
ROIC/WACCN/A
Cap/Depr(3y)250.91%
Cap/Depr(5y)190.44%
Cap/Sales(3y)3.16%
Cap/Sales(5y)3.2%
Profit Quality(3y)317.89%
Profit Quality(5y)216.81%
High Growth Momentum
Growth
EPS 1Y (TTM)68.04%
EPS 3Y-5.48%
EPS 5Y1.01%
EPS Q2Q%-9.09%
EPS Next Y7.63%
EPS Next 2Y4.95%
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 Year4.36%
Revenue Next 2Y4.22%
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 1Y256.78%
FCF growth 3Y77.76%
FCF growth 5Y37.67%
OCF growth 1Y223.76%
OCF growth 3Y73.46%
OCF growth 5Y33.45%
LCNB CORPORATION / LCNB FAQ
What is the fundamental rating for LCNB stock?
ChartMill assigns a fundamental rating of 5 / 10 to LCNB.
Can you provide the valuation status for LCNB CORPORATION?
ChartMill assigns a valuation rating of 7 / 10 to LCNB CORPORATION (LCNB). This can be considered as Undervalued.
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 10.85 and the Price/Book (PB) ratio is 0.93.
Is the dividend of LCNB CORPORATION sustainable?
The dividend rating of LCNB CORPORATION (LCNB) is 9 / 10 and the dividend payout ratio is 52.41%.