LCNB (LCNB) Stock Price, News & Analysis

Company Overview

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 individual retirement accounts and time certificates. 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 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. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.

Key Stats

• Today's Range: $14.02 to $14.53
• 50-Day Range: $13.64 to $15.65
• 52-Week Range: $12.42 to $17.92
• Volume: 13,369 shs
• Average Volume: 22,599 shs
• Market Capitalization: $203.44 million
• P/E Ratio: 14.80
• Dividend Yield: 6.13%
• Price Target: $16.25
• Consensus Rating: Hold

LCNB Stock Analysis - MarketRank™

LCNB scored higher than 71% of companies evaluated by MarketBeat, and ranked 857th out of 1,828 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

LCNB has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

LCNB has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 9.09%

Earnings Growth

Earnings for LCNB are expected to grow by 9.09% in the coming year, from $1.65 to $1.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of LCNB is 14.80, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of LCNB is 14.80, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.98.

Price to Book Value per Share Ratio

LCNB has a P/B Ratio of 0.68. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.60% of the float of LCNB has been sold short.

Short Interest Ratio / Days to Cover

LCNB has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LCNB has recently increased by 8.63%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

LCNB is a leading dividend payer. It pays a dividend yield of 6.29%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

LCNB has been increasing its dividend for 7 years.

Dividend Coverage

The dividend payout ratio of LCNB is 76.52%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, LCNB will have a dividend payout ratio of 48.89% next year. This indicates that LCNB will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.60% of the float of LCNB has been sold short.

Short Interest Ratio / Days to Cover

LCNB has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LCNB has recently increased by 8.63%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, LCNB insiders have bought more of their company's stock than they have sold. Specifically, they have bought $18,166.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 5.79% of the stock of LCNB is held by insiders.

Percentage Held by Institutions

Only 34.73% of the stock of LCNB is held by institutions.

LCNB Stock Analysis - Frequently Asked Questions

How have LCNB shares performed this year?

LCNB's stock was trading at $15.13 on January 1st, 2025. Since then, LCNB shares have decreased by 5.1% and is now trading at $14.36.
View the best growth stocks for 2025 here.

How were LCNB's earnings last quarter?

LCNB Corp. (NASDAQ:LCNB) released its quarterly earnings results on Tuesday, April, 22nd. The bank reported $0.33 earnings per share for the quarter, missing analysts' consensus estimates of $0.39 by $0.06. The bank had revenue of $21.52 million for the quarter, compared to analysts' expectations of $15.80 million. LCNB had a trailing twelve-month return on equity of 7.12% and a net margin of 10.76%.

Who are LCNB's major shareholders?

Top institutional shareholders of LCNB include Johnson Investment Counsel Inc. (1.06%), Kapstone Financial Advisors LLC (0.65%), Empowered Funds LLC (0.37%) and Connor Clark & Lunn Investment Management Ltd. (0.36%). Insiders that own company stock include Robert A Bedinghaus, Eric J Meilstrup, Steve P Foster, William H Kaufman, Lawrence P Jr Mulligan, Michael Robert Miller, Anne E Krehbiel, Craig Millis Johnson and Takeitha W Lawson.
View institutional ownership trends.

How do I buy shares of LCNB?

Shares of LCNB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of LCNB own?

Based on aggregate information from My MarketBeat watchlists, some other companies that LCNB investors own include AUO (AUOTY), Waste Connections (WCN), American Water Works (AWK), The RMR Group (RMR), DiamondRock Hospitality (DRH), Triple Flag Precious Metals (TFPM) and Voyager Therapeutics (VYGR).

Company Calendar

• Record date for 3/17 Dividend: 3/03/2025
• Ex-Dividend for 3/17 Dividend: 3/03/2025
• Dividend Payable: 3/17/2025
• Last Earnings: 4/22/2025
• Record date for 6/16 Dividend: 6/02/2025
• Ex-Dividend for 6/16 Dividend: 6/02/2025
• Today: 6/09/2025
• Dividend Payable: 6/16/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:LCNB
• CIK: 1074902
• Web: www.lcnb.com
• Phone: (513) 932-1414
• Fax: 513-933-5262
• Employees: 310
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $16.25
• High Stock Price Target: $16.25
• Low Stock Price Target: $16.25
• Potential Upside/Downside: +12.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.15
• Trailing P/E Ratio: 14.84
• Forward P/E Ratio: 8.72
• P/E Growth: N/A
• Net Income: $13.49 million
• Net Margins: 10.76%
• Pretax Margin: 6.62%
• Return on Equity: 7.12%
• Return on Assets: 0.74%

Debt

• Debt-to-Equity Ratio: 0.61
• Current Ratio: 0.93
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $84.90 million
• Price / Sales: 2.40
• Cash Flow: $1.82 per share
• Price / Cash Flow: 7.91
• Book Value: $21.15 per share
• Price / Book: 0.68

Miscellaneous

• Outstanding Shares: 14,167,000
• Free Float: 13,293,000
• Market Cap: $203.86 million
• Optionable: Optionable
• Beta: 0.60