LCNB CORPORATION (LCNB) Fundamental Analysis & Valuation

NASDAQ:LCNB • US50181P1003

Current stock price

16.3 USD
+0.09 (+0.56%)
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.
  • In the past year LCNB had a positive cash flow from operations.
  • In the past 5 years LCNB has always been profitable.
  • In the past 5 years LCNB always reported a positive cash flow from operatings.
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 2025 20M 40M 60M 80M

1.2 Ratios

  • The Return On Assets of LCNB (1.03%) is comparable to the rest of the industry.
  • LCNB has a Return On Equity of 8.39%. This is in the lower half of the industry: LCNB underperforms 61.17% of its industry peers.
Industry RankSector Rank
ROA 1.03%
ROE 8.39%
ROIC N/A
ROA(3y)0.72%
ROA(5y)0.88%
ROE(3y)6.34%
ROE(5y)7.75%
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 2025 2 4 6 8 10

1.3 Margins

  • LCNB has a Profit Margin (24.99%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of LCNB has declined.
  • LCNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.08%
PM growth 5Y-2.13%
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 2025 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.
  • The number of shares outstanding for LCNB has been increased compared to 1 year ago.
  • LCNB has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, LCNB has an improved debt to assets ratio.
LCNB Yearly Shares OutstandingLCNB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of LCNB is 0.28, which is an excellent value as it means it would take LCNB, only 0.28 years of fcf income to pay off all of its debts.
  • LCNB has a Debt to FCF ratio of 0.28. This is amongst the best in the industry. LCNB outperforms 85.90% of its industry peers.
  • LCNB has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.03, LCNB belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.28
Altman-Z N/A
ROIC/WACCN/A
WACC13.55%
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 2025 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 2025 20M 40M 60M 80M

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

5

3. LCNB Growth Analysis

3.1 Past

  • LCNB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.00%, which is quite impressive.
  • 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.
  • The Revenue has grown by 13.30% in the past year. This is quite good.
  • LCNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.04% yearly.
EPS 1Y (TTM)40%
EPS 3Y-5.48%
EPS 5Y1.01%
EPS Q2Q%-6.06%
Revenue 1Y (TTM)13.3%
Revenue growth 3Y6.89%
Revenue growth 5Y5.04%
Sales Q2Q%-12%

3.2 Future

  • Based on estimates for the next years, LCNB will show a small growth in Earnings Per Share. The EPS will grow by 6.43% on average per year.
  • The Revenue is expected to grow by 4.06% on average over the next years.
EPS Next Y5.75%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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6

4. LCNB Valuation Analysis

4.1 Price/Earnings Ratio

  • LCNB is valuated reasonably with a Price/Earnings ratio of 10.12.
  • Compared to the rest of the industry, the Price/Earnings ratio of LCNB indicates a somewhat cheap valuation: LCNB is cheaper than 78.46% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of LCNB to the average of the S&P500 Index (26.64), we can say LCNB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.83, which indicates a very decent valuation of LCNB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LCNB indicates a somewhat cheap valuation: LCNB is cheaper than 71.01% of the companies listed in the same industry.
  • LCNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.12
Fwd PE 8.83
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

  • Based on the Price/Free Cash Flow ratio, LCNB is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.94
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.76
PEG (5Y)10.01
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

  • With a Yearly Dividend Yield of 5.43%, LCNB is a good candidate for dividend investing.
  • LCNB's Dividend Yield is rather good when compared to the industry average which is at 2.57. LCNB pays more dividend than 95.48% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, LCNB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.43%

5.2 History

  • The dividend of LCNB has a limited annual growth rate of 4.55%.
  • LCNB has paid a dividend for at least 10 years, which is a reliable track record.
  • LCNB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.55%
Div Incr Years0
Div Non Decr Years25
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

  • 54.25% 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, but earnings are growing more, so the dividend growth is sustainable.
DP54.25%
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 2025 20M 40M 60M 80M
LCNB Dividend Payout.LCNB Dividend Payout, showing the Payout Ratio.LCNB Dividend Payout.PayoutRetained Earnings

More info and screens

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LCNB Fundamentals: All Metrics, Ratios and Statistics

LCNB CORPORATION

NASDAQ:LCNB (5/1/2026, 8:00:03 PM)

16.3

+0.09 (+0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-22
Earnings (Next)07-20
Inst Owners39.96%
Inst Owner Change0.1%
Ins Owners5.66%
Ins Owner Change3.91%
Market Cap232.11M
Revenue(TTM)92.00M
Net Income(TTM)22.99M
Analysts45.71
Price Target18.36 (12.64%)
Short Float %0.56%
Short Ratio2.72
Dividend
Industry RankSector Rank
Dividend Yield 5.43%
Yearly Dividend0.88
Dividend Growth(5Y)4.55%
DP54.25%
Div Incr Years0
Div Non Decr Years25
Ex-Date03-02
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.09%
Min EPS beat(2)-12.85%
Max EPS beat(2)13.03%
EPS beat(4)2
Avg EPS beat(4)-0.37%
Min EPS beat(4)-12.85%
Max EPS beat(4)13.03%
EPS beat(8)4
Avg EPS beat(8)-9.39%
EPS beat(12)5
Avg EPS beat(12)-14.65%
EPS beat(16)9
Avg EPS beat(16)-8.08%
Revenue beat(2)1
Avg Revenue beat(2)-0.22%
Min Revenue beat(2)-0.72%
Max Revenue beat(2)0.27%
Revenue beat(4)3
Avg Revenue beat(4)16.76%
Min Revenue beat(4)-0.72%
Max Revenue beat(4)34.61%
Revenue beat(8)4
Avg Revenue beat(8)9.34%
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)7.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.63%
EPS NY rev (1m)-4.52%
EPS NY rev (3m)-1.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.1%
Valuation
Industry RankSector Rank
PE 10.12
Fwd PE 8.83
P/S 2.52
P/FCF 6.94
P/OCF 6.75
P/B 0.85
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)1.61
EY9.88%
EPS(NY)1.85
Fwd EY11.33%
FCF(TTM)2.35
FCFY14.41%
OCF(TTM)2.42
OCFY14.82%
SpS6.46
BVpS19.24
TBVpS12.24
PEG (NY)1.76
PEG (5Y)10.01
Graham Number26.3978 (61.95%)
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 8.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.99%
GM N/A
FCFM 36.35%
ROA(3y)0.72%
ROA(5y)0.88%
ROE(3y)6.34%
ROE(5y)7.75%
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-5.08%
PM growth 5Y-2.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.28
Debt/EBITDA N/A
Cap/Depr 143.56%
Cap/Sales 1.04%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.55%
ROIC/WACCN/A
Cap/Depr(3y)286.52%
Cap/Depr(5y)193.2%
Cap/Sales(3y)3.12%
Cap/Sales(5y)2.63%
Profit Quality(3y)325.96%
Profit Quality(5y)232.91%
High Growth Momentum
Growth
EPS 1Y (TTM)40%
EPS 3Y-5.48%
EPS 5Y1.01%
EPS Q2Q%-6.06%
EPS Next Y5.75%
EPS Next 2Y6.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.3%
Revenue growth 3Y6.89%
Revenue growth 5Y5.04%
Sales Q2Q%-12%
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 1Y-62.61%
FCF growth 3Y11.13%
FCF growth 5Y25.15%
OCF growth 1Y-63.11%
OCF growth 3Y10.87%
OCF growth 5Y20.25%

LCNB CORPORATION / LCNB Fundamental Analysis 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 6 / 10 to LCNB CORPORATION (LCNB). This can be considered as Fairly Valued.


How profitable is LCNB CORPORATION (LCNB) stock?

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


What is the financial health of LCNB CORPORATION (LCNB) stock?

The financial health rating of LCNB CORPORATION (LCNB) is 4 / 10.


Can you provide the dividend sustainability for LCNB stock?

The dividend rating of LCNB CORPORATION (LCNB) is 8 / 10 and the dividend payout ratio is 54.25%.