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LCNB (LCNB) AI Stock Analysis
LCNB
(NASDAQ:LCNB)
LCNB's strong financial performance and attractive valuation are the primary positives. These are partly offset by weak near-term technical momentum and rising credit costs, while corporate developments provide moderate support.
LCNB (LCNB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $281.11M
- Dividend Yield
- 4.40%
- Average Volume (3M)
- 31.52K
- Price to Earnings (P/E)
- 11.4
- Beta (1Y)
- 0.50
- Revenue Growth
- -1.78%
- EPS Growth
- 5.34%
- Country
- US
- Employees
- 346
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
LCNB Business Overview & Revenue Model
Company Description
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 certif...
How the Company Makes Money
LCNB primarily makes money through its banking operations. The largest driver is typically net interest income: it earns interest and fees on loans (such as commercial, residential real estate, and consumer loans) and on its securities/other interest...
LCNB Financial Statement Overview
Summary
Strong profitability and improving leverage support the score. Cash generation is generally healthy and aligned with earnings, although cash-flow volatility and returns below historical peaks limit the rating.
Income Statement
83Very PositiveBalance Sheet
78PositiveCash Flow
72Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 124.61M | 124.24M | 125.42M | 95.01M | 80.04M | 75.99M |
| Gross Profit | 92.03M | 89.78M | 79.24M | 69.68M | 75.08M | 72.21M |
| EBITDA | 33.33M | 28.82M | 16.57M | 18.25M | 29.69M | 28.20M |
| Net Income | 24.53M | 23.12M | 13.49M | 12.63M | 22.13M | 20.97M |
Balance Sheet | ||||||
| Total Assets | 2.22B | 2.24B | 2.31B | 2.29B | 1.92B | 1.90B |
| Cash, Cash Equivalents and Short-Term Investments | 234.93M | 250.62M | 134.86M | 316.32M | 312.55M | 326.31M |
| Total Debt | 103.84M | 118.18M | 161.27M | 216.78M | 96.90M | 16.47M |
| Total Liabilities | 1.94B | 1.97B | 2.05B | 2.06B | 1.72B | 1.67B |
| Stockholders Equity | 280.62M | 273.93M | 253.04M | 235.30M | 200.68M | 238.60M |
Cash Flow | ||||||
| Free Cash Flow | 36.26M | 33.44M | 89.44M | 20.75M | 27.83M | 15.88M |
| Operating Cash Flow | 38.61M | 34.40M | 93.24M | 23.36M | 28.71M | 17.82M |
| Investing Cash Flow | 49.80M | 52.05M | 61.39M | -60.41M | -48.38M | -175.22M |
| Financing Cash Flow | -113.33M | -100.58M | -158.61M | 54.07M | 24.23M | 143.80M |
LCNB Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LCNB, the sentiment is Positive. The current price of 20.10 is above the 20-day moving average (MA) of 19.20, above the 50-day MA of 19.08, and above the 200-day MA of 17.52, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 62.94 is Neutral, neither overbought nor oversold. The STOCH value of 87.87 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LCNB.
LCNB Risk Analysis
LCNB disclosed 27 risk factors in its most recent earnings report. LCNB reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksLCNB Peers Comparison
Overall Rating
CBNA80Outperform
CFFI79Outperform
HWBK75Outperform
BPRN74Outperform- LCNB74Outperform
FCCO65Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CBNA | 80Outperform | $332.21M | 10.30 | 18.26% | ― | 37.64% | ― |
| CFFI | 79Outperform | $356.65M | 11.92 | 11.28% | 1.71% | 8.41% | 15.32% |
| HWBK | 75Outperform | $268.85M | 9.96 | 15.69% | 2.11% | 5.53% | 18.94% |
| BPRN | 74Outperform | $292.90M | 14.60 | 7.46% | 3.18% | -3.50% | 15.90% |
| LCNB | 74Outperform | $281.25M | 11.36 | 8.95% | 4.40% | -1.78% | 5.34% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FCCO | 65Neutral | $310.00M | 11.64 | 12.61% | 1.95% | 18.81% | 19.11% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| LCNB | Lcnb Corporation | 20.00 | 5.47 | 37.63% | |
| CFFI | C&f Financial | 111.22 | 44.56 | 66.85% | |
| FCCO | First Community | 33.76 | 7.55 | 28.81% | |
| HWBK | Hawthorn Bancshares | 39.34 | 9.68 | 32.63% | |
| BPRN | Bank of Princeton | 43.96 | 13.03 | 42.12% | |
| CBNA | Chain Bridge Bancorp, Inc. Class A | 51.51 | 21.44 | 71.30% |
LCNB Corporate Events
LCNB Corp Reports Strong Third-Quarter Earnings Growth
PositiveOn October 15, 2026, LCNB Corp. reported higher earnings for the three and nine months ended September 30, 2026, with third-quarter net income rising 5.4% year over year to $7.3 million, or $0.51 per diluted share, and nine-month net income increasin...
LCNB Announces Wealth Leadership Transition and Succession Plans
PositiveOn September 17, 2026, LCNB Corp. announced that Executive Vice President and Chief Wealth Officer Michael R. Miller will retire from both the company and LCNB National Bank effective March 31, 2027. Miller, who joined LCNB in 2017 and has more than...
LCNB Adds Experienced Director, Updates Executive Change-in-Control Agreements
PositiveOn August 18, 2026, LCNB Corp., the NASDAQ-listed holding company for LCNB National Bank, appointed veteran banking and legal executive Susan B. Zaunbrecher to the boards of both the company and its bank subsidiary. Zaunbrecher, formerly Chief Legal...
LCNB Corp Completes $25 Million Subordinated Notes Offering
PositiveLCNB Corp. is a financial holding company headquartered in Lebanon, Ohio, that operates LCNB National Bank across Southwest and South-Central Ohio, offering a broad range of personal and business banking services. Its portfolio spans checking and sav...
LCNB Highlights Investor Presentation Under Regulation FD Disclosure
NeutralLCNB Corp. disclosed that it plans to use materials identified as Exhibit 99.1 in upcoming meetings with investors and analysts, signaling a continued focus on structured communication with the investment community. The company clarified that the inf...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 15, 2026