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LCNB Stock Chart & Stats
$20.00
$0.36(1.80%)
At close: 4:00 PM EDT
$20.00
$0.36(1.80%)
Day’s Range― - ―
52-Week Range$14.31 - $21.32
Previous Close$20.36
Volume47.60K
Average Volume (3M)25.25K
Market Cap
$276.97M
Enterprise Value$340.36
Total Cash (Recent Filing)$234.93M
Total Debt (Recent Filing)$103.84M
Price to Earnings (P/E)11.3
Beta0.58
Next Earnings
Oct 27, 2026EPS Estimate
0.48Next Dividend Ex-DateN/A
Dividend Yield4.52%
Share Statistics
EPS (TTM)1.73
Shares Outstanding14,254,988
10 Day Avg. Volume35,438
30 Day Avg. Volume25,247
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)0.84
Price to Sales (P/S)1.86
P/FCF Ratio6.90
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.8
Revenue Forecast (FY)$98.10M
Bulls Say, Bears Say
Bulls Say
Rebounding ProfitabilityThe strong TTM recovery indicates improved revenue generation and operating performance. If better spreads and expense control persist, LCNB could sustain stronger earnings than during the weaker 2023–2024 period.
Cash ConversionFree cash flow closely tracking net income suggests reported earnings are converting into liquidity rather than relying heavily on accruals. This supports capital flexibility, lending capacity and resilience over the next several quarters.
Improved Balance SheetLower leverage and a larger equity base provide greater capacity to absorb credit losses or operating stress. The cleaner capital structure also gives LCNB more flexibility to support measured loan growth and strategic investment.
Bears Say
Margin VolatilityThe sharp movement in margins across recent periods shows that earnings remain sensitive to interest spreads, funding costs and operating conditions. This limits confidence that the current profitability rebound will be fully sustained.
Operating Cash Flow VolatilityUneven operating cash generation suggests that cash results can be affected by working-capital movements and period timing. That variability makes liquidity planning and assessment of recurring cash earnings less predictable.
Higher Funding CostThe notes strengthen regulatory capital and can fund growth, but their 6.50% rate creates a recurring interest burden. Additional debt also increases balance-sheet obligations, potentially constraining margins if asset yields weaken.
LCNB News
LCNB FAQ
What was LCNB Corporation’s price range in the past 12 months?
LCNB Corporation lowest stock price was $14.30 and its highest was $21.32 in the past 12 months.
What is LCNB Corporation’s market cap?
LCNB Corporation’s market cap is $276.97M.
When is LCNB Corporation’s upcoming earnings report date?
LCNB Corporation’s upcoming earnings report date is Oct 27, 2026 which is in 62 days.
How were LCNB Corporation’s earnings last quarter?
LCNB Corporation released its earnings results on Jul 16, 2026. The company reported $0.53 earnings per share for the quarter, beating the consensus estimate of $0.435 by $0.095.
Is LCNB Corporation overvalued?
According to Wall Street analysts LCNB Corporation’s price is currently Overvalued.
Does LCNB Corporation pay dividends?
LCNB Corporation pays a Quarterly dividend of $0.22 which represents an annual dividend yield of 4.52%. See more information on LCNB Corporation dividends here
What is LCNB Corporation’s EPS estimate?
LCNB Corporation’s EPS estimate is 0.48.
How many shares outstanding does LCNB Corporation have?
LCNB Corporation has 14,254,988 shares outstanding.
What happened to LCNB Corporation’s price movement after its last earnings report?
LCNB Corporation reported an EPS of $0.53 in its last earnings report, beating expectations of $0.435. Following the earnings report the stock price went up 10.534%.
Which hedge fund is a major shareholder of LCNB Corporation?
Currently, no hedge funds are holding shares in LCNB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
LCNB Stock Smart Score
Outperform
1
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3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
LCNB Sentiment 80%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $16.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
17.42%
12-Months-Change
Fundamentals
Return on Equity
4.52%
Trailing 12-Months
Asset Growth
-3.64%
Trailing 12-Months
Company Description
LCNB Corporation
LCNB Corp. functions as the parent entity of LCNB National Bank, delivering comprehensive banking solutions across Ohio. The bank offers a variety of deposit options, such as checking, demand, savings, NOW, and money market accounts, alongside certificates of deposit. Its lending portfolio is extensive, covering commercial and industrial financing, real estate loans for both commercial and residential properties, agricultural loans, construction financing, and Small Business Administration (SBA) loans. Residential mortgage options are also available, encompassing loans for home purchases or refinancing, home equity lines of credit, and other consumer or commercial loans secured by residential real estate. Additionally, the institution provides various consumer credit facilities, including those for vehicles (automobiles, RVs, boats), home improvements, and personal needs. Beyond traditional banking, LCNB Corp. extends its services to include trust administration, estate settlement, and fiduciary responsibilities. It also offers investment management for a range of accounts, including trusts, agency accounts, individual retirement accounts (IRAs), and institutional funds like foundations and endowments. The company's investment division delivers a suite of products and services, such as financial needs assessments, mutual funds, securities trading, annuities, and life insurance, complemented by full-service security brokerage. To enhance convenience for both individual and business clients, LCNB Corp. provides a host of ancillary services. These include secure storage (safe deposit boxes, night depositories), transactional support (cashier's checks, bank-by-mail, ATMs, wire transfers, electronic funds transfer, cash and transaction services, debit cards), utility bill collection, notary public services, and sophisticated digital banking options like telephone banking, online (PC Internet) banking, and mobile banking, along with comprehensive cash management solutions. As of December 31, 2021, the company maintained a substantial presence with 32 physical locations throughout Ohio, featuring a main office and an operations center situated in Warren County. Its branch network extends across Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties. This physical infrastructure is further supported by 37 automated teller machines (ATMs). Established in 1877, LCNB Corp. has its headquarters located in Lebanon, Ohio.
Technical Analysis
C&F Financial
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First Community
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Hawthorn Bancshares
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Bank of Princeton
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Chain Bridge Bancorp, Inc. Class A
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Ownership Overview
6.40% Insiders
9.93% Mutual Funds
16.72% Other Institutional Investors
56.24% Public Companies and
Individual Investors