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LCNB Stock Chart & Stats
$19.34
$0.36(1.80%)
At close: 4:00 PM EDT
$19.34
$0.36(1.80%)
Day’s Range― - ―
52-Week Range$14.31 - $21.32
Previous Close$20.36
Volume47.60K
Average Volume (3M)29.35K
Market Cap
$264.00M
Enterprise Value$340.36M
Total Cash (Recent Filing)$234.93M
Total Debt (Recent Filing)$103.84M
Price to Earnings (P/E)10.7
Beta0.54
Next Earnings
Oct 27, 2026EPS Estimate
0.48Next Dividend Ex-DateN/A
Dividend Yield4.75%
Share Statistics
EPS (TTM)1.73
Shares Outstanding14,254,988
10 Day Avg. Volume26,845
30 Day Avg. Volume29,347
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 Cap1.29
Enterprise Value/Revenue2.73
Enterprise Value/Gross Profit3.70
Enterprise Value/Ebitda10.21
Forecast
1Y Price Target
$20.00Price Target Upside3.41% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.8
Revenue Forecast (FY)$98.00M
Bulls Say, Bears Say
Bulls Say
Earnings RecoveryThe sharp TTM improvement in revenue and operating margins indicates stronger recent earnings performance and better spread or expense execution. If sustained, this recovery can improve internal capital generation, support loan growth, and strengthen LCNB’s competitive position over the next several quarters.
Cash ConversionFree cash flow closely tracking net income suggests that reported earnings are converting into usable cash rather than relying heavily on noncash items. Stronger cash generation gives LCNB greater flexibility to fund operations, support growth, and maintain capital distributions over time.
Improved Balance SheetLower leverage and a larger equity base provide a more resilient capital structure for a community bank. This improves capacity to absorb credit or earnings pressure, reduces balance-sheet risk, and gives LCNB a stronger foundation for future lending and strategic investment.
Bears Say
Earnings VolatilityThe wide swings in profitability across recent years reduce confidence that the current margin recovery will persist through the cycle. Variable earnings make planning and capital allocation less predictable, and they could limit the durability of returns if operating conditions become less favorable.
Cash-flow VolatilityAlthough current free cash flow is strong, the historical variability in operating cash flow suggests that cash generation can be affected by timing or working-capital movements. This makes liquidity planning less consistent and reduces certainty around the cash available for growth or distributions.
New Debt ObligationsThe subordinated notes add funding capacity and qualify as Tier 2 capital, but they also create a long-term interest obligation and additional leverage exposure. The fixed-to-floating structure may increase financing costs later, potentially constraining margins and capital flexibility.
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 $264.00M.
When is LCNB Corporation’s upcoming earnings report date?
LCNB Corporation’s upcoming earnings report date is Oct 27, 2026 which is in 16 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 Undervalued.
Does LCNB Corporation pay dividends?
LCNB Corporation pays a Quarterly dividend of $0.22 which represents an annual dividend yield of 4.75%. 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 10.531%.
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$20.00 (3.41% Upside)
$20.00 (3.41% Upside)
Blogger Sentiment
Bullish
LCNB Sentiment 67%
Sector Average 63%
Sector Average 63%
Insider Transactions
Bought Shares
Worth $17.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
30.33%
12-Months-Change
Fundamentals
Return on Equity
8.92%
Trailing 12-Months
Asset Growth
-3.64%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
LCNB Stock 12 Month Forecast
Average Price Target
$20.00
▲(3.41% Upside)
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
53.98% Public Companies and
Individual Investors