Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
LCNB
BuyUnloved QualityLCNB Corp. · Financial Services · United States · $277M · Avg Vol: $717K/d
69
StockRankGet insider-trade alerts
Q
54
V
61
M
49
P/E (TTM)
11.3x
ROE
9.0%
D/E
0.4x
Dividend %
4.6%
COMPANY DESCRIPTION
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. It offers checking and savings accounts; interest-bearing demand and money market deposit; and time certificates.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 75.3M | 71.8M | 81.2M | 92.0M | 6.9% | 92.0M | 101.1M | 102.3M | 5.5% |
| EPS | 1.93 | 1.10 | 0.97 | 1.63 | -5.5% | 1.73 | 1.77 | 1.83 | 5.9% |
| Shares | 11.3M | 13.2M | 14.1M | 14.2M | +26.1% | 14.3M | — | — | — |
| Debt | 97.2M | 216.8M | 161.3M | 111.3M | 4.6% | 110.5M | — | — | — |
| Equity | 200.7M | 235.3M | 253.0M | 273.9M | 10.9% | — | — | — | — |
| Op CF | 28.7M | 23.4M | 93.2M | 34.4M | 6.2% | 38.6M | — | — | — |
| Inv CF | -48.4M | -60.4M | 61.4M | 52.1M | — | — | — | — | — |
| Fin CF | 24.2M | 54.1M | -158.6M | -100.6M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-6.6%
SMA 50SMA 200
Close
$18.97
RSI (14)
40.3
52W High
$21.08
From 52W High
0.9%
SCORE BREAKDOWN
Quality
54
ROIC (ROA)
1.1%*38.7
ROE
9.0%45.0
GP/Assets
4.1%N/A
Op. Margin
39.2%56.5
FCF/Assets
1.5%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.41xN/A
Current Ratio
bankN/A
Value
61
P/E (TTM)
11.3x61.2
EV/EBITDA
bankN/A
P/FCF
8.1xN/A
P/B
1.0x61.8
P/S
3.0x60.8
Div Yield
4.6%61.6
Momentum
49
52W High %
90%46.6
RS 6M
3%59.9
SMA 50/200
1.13x80.0
EPS Rev 4W
-0.8%13.7
EPS Rev 12W
—N/A
EPS Improve
+7%29.7
Q Growth
27%59.3
FUNDAMENTALS
Market Cap
$277M
P/E (Forward)
10.6x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LCNB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| LCNB | LCNB Corp.(you) | $277M | 69 | Buy |
| QNBC | QNB Corp. | $281M | 69 | Buy |
| FUNC | First United Corporation | $279M | 71 | Buy |
| FCCO | First Community Corporation | $316M | 69 | Buy |
| ATLO | Ames National Corporation | $280M | 72 | Buy |
| RMBI | Richmond Mutual Bancorporation, Inc. | $255M | 66 | Buy |
| FVCB | FVCBankcorp, Inc. | $329M | 71 | Buy |
| FRAF | Franklin Financial Services Corporation | $279M | 74 | Buy |
| NKSH | National Bankshares, Inc. | $261M | 74 | Buy |
| PCB | PCB Bancorp | $386M | 69 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%