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LCNB stock logo

LCNB

LCNB Corp.

$16.13
0.25
 (1.57%)
Exchange:  NASDAQ
Market Cap:  229.658M
Shares Outstanding:  12.914M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Eric J. Meilstrup
Full Time Employees:  346
Address: 
2 North Broadway
Lebanon
OH
45036
US
Website:  https://www.lcnb.com
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. Its deposit products include checking accounts, demand deposits, savings accounts, NOW and money market deposits, as well as certificates of deposit. The company’s loan products comprise commercial and industrial, commercial and residential real estate, agricultural, construction, and small business administration loans; and residential mortgage loans that consists of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. It also offers consumer loans, such as automobile, recreational vehicles, boat, home improvement, and personal loans. In addition, the company provides trust administration, estate settlement, and fiduciary services; and investment management services for trusts, agency accounts, individual retirement accounts, and foundations/endowments. Further, it offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services. Additionally, the company provides safe deposit boxes, night depositories, cashier’s checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, cash management services, telephone banking, PC Internet banking, mobile banking, and other services for individuals and businesses. As of December 31, 2021, it operated 32 offices, including a main office in Warren County; branch offices in Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties; and an operations center in Warren County, Ohio, as well as 37 ATMs. The company was founded in 1877 and is headquartered in Lebanon, Ohio.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue95,010125,419124,242
Gross Profit69,68379,23789,781
EBITDA18,24916,56528,152
Operating Income15,26015,96128,152
Net Income12,62813,49223,120

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,291,5922,307,3942,240,769
Total Liabilities2,056,2892,054,3581,966,840
Total Stockholders Equity235,303253,036273,929
Total Debt216,779161,268118,182
Cash and Cash Equivalents39,72335,99418,353

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Cash Flow Statement

Year202320242025
Operating Cash Flow23,36093,2360
Capital Expenditure-2,606-3,7980
Free Cash Flow20,75489,4380
Net Income12,54213,49223,120
Net Change in Cash17,022-3,979-35,744

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Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)99,227.676Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)99,372.323Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)99,300Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)25,654.800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)25,692.198Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)25,673.499Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)25,472.260Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)25,520.435Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)25,518.500Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)34,234.764Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)34,284.669Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)34,259.717Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.810Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.810Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.810Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
125.414M  ?P/S
 (TTM)
: 
1.96
?Net Income
 (TTM)
: 
13.41M  ?P/E
 (TTM)
: 
10.46
?Enterprise Value
 (TTM)
: 
344.01M  ?EV/FCF
 (TTM)
: 
10.3
?Dividend Yield
 (TTM)
: 
0.05  ?Payout Ratio
 (TTM)
: 
0.54
?ROE
 (TTM)
: 
0.09  ?ROIC
 (TTM)
: 
-0.42
?Net Debt
 (TTM)
: 
140.875M  ?Debt/Equity
 (TTM)
: 
0.43
?P/B
 (TTM)
: 
0.88  ?Current Ratio
 (TTM)
: 
0.55

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.54Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate LCNB Intrinsic Value

Common questions about LCNB valuation

Is LCNB Corp. (LCNB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for LCNB Corp. (LCNB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is LCNB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether LCNB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is LCNB’s P/E ratio?

You can see LCNB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for LCNB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is LCNB a good long-term investment?

Whether LCNB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

LCNB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.57
MARKETSnap

Trading Metrics:

Open: 15.75   Previous Close: 15.88
Day Low: 15.47   Day High: 16.14
Year Low: 13.34   Year High: 17.89
Price Avg 50: 16.78   Price Avg 200: 15.89
Volume: 38074   Average Volume: 26953

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