LCNB logo

LCNB CORPORATION

LCNBNASDAQ
πŸ† #3502 by market capEarnings Oct 28US Equity
$18.62β–Ό $0.20 (βˆ’1.06%)
πŸŒ™ After hours$18.62β–² 0.00%Regular close Β· extended-hours price shown
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🏦Market Cap
$265M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-0.9%
Declining
πŸ“ŠGross Margin
73.9%
High
πŸ’΅FCF Margin
29.1%
Strong
βš–οΈP/S Ratio
2.1x
Cheap
Otter Score
72
Fair
No chart data available for LCNB.

Trading Snapshot

Day Range
$18.55 – $18.79
52-Week Range
$14.31 – $21.32
Volume
$1.91B
Avg Volume
$1.55B
Shares Outstanding
14.2M
Next Earnings
Dec 15, 2026

Fundamentals Snapshot

Annual Revenue
$124M
Last Q Revenue
$32M
P/E Ratio
10.8
P/S Ratio
2.1x
EPS (TTM)
$1.73
Dividend Yield
4.73%
Dilution (1yr)
+0.0%

Why Investors Own LCNB

  • βœ“High-growth profile β€” revenue up +11.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 38% gross margin and 19% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

LCNB logo

LCNB CORPORATION

LCNB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$124Mβ–Ό βˆ’0.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
72.3%β–² +14.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$28Mβ–² +76.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$33Mβ–Ό βˆ’62.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
14.1Mβ–² +0.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$100Mβ–² +$25M YoY
StockOtter Β· stockotter.space

About 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$22.21
β–² +19.3% Upside
High Target$27.29
Low Target$17.22
Based on 27 analysts

Latest News & Updates

Business WireΒ·12d ago

LCNB Corp. Announces Retirement of Michael R. Miller, EVP and Chief Wealth Officer

LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. (NASDAQ: LCNB) (the β€œCompany”), the holding company for LCNB National Bank (the β€œBank”), today announced that Michael R. Miller, EVP and Chief Wealth Officer, will retire from h

Zacks Investment ResearchΒ·18d ago

OVBC vs. LCNB: Which Community Bank Stock Is the Better Buy Right Now?

Ohio Valley Banc and LCNB differ in loan growth, funding, wealth management and valuation, but which community bank stock looks better positioned? Let's dive in.

Defense WorldΒ·25d ago

BlackRock Inc. Acquires Shares of 959,927 LCNB Corporation $LCNB

BlackRock Inc. acquired a new position in shares of LCNB Corporation (NASDAQ: LCNB) during the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The firm acquired 959

Business WireΒ·Aug 20

LCNB Corp. Announces 2026 Third-Quarter Dividend

LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. (Nasdaq: LCNB) today announced that the Company's Board of Directors declared a cash dividend of $0.22 per common share. The common stock cash dividend will have a record date o

GuruFocusΒ·Aug 19

LCNB Corp. Appoints Susan B. Zaunbrecher to Board of Directors

LCNB Corp. (NASDAQ: LCNB) (the Γ’Β€ΒœCompanyҀ), the holding company for LCNB National Bank (the Γ’Β€ΒœBankҀ), today announced the appointment of Susan B. Zaunbrec

Business WireΒ·Aug 10

LCNB Corp. Announces Closing of Subordinated Notes Offering

LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. ("LCNB") (NASDAQ: LCNB) the holding company for LCNB National Bank, today announced the closing of a private placement of $25.0 million in aggregate principal amount of its 6.50