LCNB (LCNB) Stock Price, News & Analysis

Company Overview

LCNB Financial Corp (NASDAQ: LCNB) is the bank holding company for LCNB National Bank, a community-focused regional bank headquartered in Cincinnati, Ohio. Through its banking subsidiary, LCNB provides a full suite of deposit and lending solutions designed to meet the needs of individual consumers, small businesses, and middle-market commercial clients. The company emphasizes personalized service, offering checking, savings, money market, and certificate of deposit accounts alongside digital and mobile banking platforms.

On the lending side, LCNB National Bank extends a range of credit products, including commercial and industrial loans, real estate and construction financing, agricultural loans, residential mortgages, and consumer lending. Treasury management services, such as automated clearinghouse (ACH) origination, wire transfers, remote deposit capture, and merchant card processing, complement the bank’s core lending activities and support the cash‐flow needs of its business customers.

Beyond traditional banking, LCNB Financial Corp provides wealth management and trust services through its dedicated trust division. These offerings include personal trust administration, estate settlement, investment advisory services, retirement planning, and fiduciary management. The bank’s trust professionals work closely with clients to develop customized strategies aimed at preserving and growing assets for individuals, families, and nonprofit entities.

With roots dating to the late 19th century, LCNB National Bank has built a network of full‐service branches across southwestern Ohio and southeastern Indiana. The company’s leadership team combines local market expertise with deep banking industry experience, guiding LCNB’s ongoing commitment to community banking and long-term client relationships.

Key Stats

• Today's Range: $15.93 to $16.22
• 50-Day Range: $15.15 to $17.56
• 52-Week Range: $13.75 to $17.89
• Volume: 8,150 shs
• Average Volume: 26,292 shs
• Market Capitalization: $228.64 million
• P/E Ratio: 9.97
• Dividend Yield: 5.48%
• Price Target: N/A
• Consensus Rating: Buy

LCNB Stock Analysis - MarketRank™

LCNB scored higher than 69% of companies evaluated by MarketBeat, and ranked 249th out of 879 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: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

LCNB has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

LCNB has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 7.78%

Earnings Growth

Earnings for LCNB are expected to grow by 7.78% in the coming year, from $1.67 to $1.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of LCNB is 9.89, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.47.

Price to Earnings Ratio vs. Sector

The P/E ratio of LCNB is 9.89, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.21.

Price to Book Value per Share Ratio

LCNB has a P/B Ratio of 0.82. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.56% 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 3.33, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in LCNB has recently decreased by 28.22%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

LCNB is a leading dividend payer. It pays a dividend yield of 5.51%, 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 54.66%. This payout ratio is at a healthy, sustainable level, below 75%.

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.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for LCNB this week, compared to 1 article on an average week.

Search Interest

Only 2 people have searched for LCNB on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 0.6 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, LCNB insiders have not sold or bought any company stock.

Percentage Held by Insiders

5.67% of the stock of LCNB is held by insiders.

Percentage Held by Institutions

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 $16.39 at the beginning of the year. Since then, LCNB stock has decreased by 2.8% and is now trading at $15.9250.

How were LCNB's earnings last quarter?

LCNB Corporation (NASDAQ:LCNB) announced its quarterly earnings results on Wednesday, April, 22nd. The bank reported $0.31 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.35 by $0.04. The bank earned $23.54 million during the quarter, compared to analysts' expectations of $23.30 million. LCNB had a net margin of 18.50% and a trailing twelve-month return on equity of 8.53%.

Who are LCNB's major shareholders?

LCNB's top institutional shareholders include Hsbc Holdings PLC (0.31%), Kestra Advisory Services LLC (0.20%), Ritholtz Wealth Management (0.15%) and Baker Ellis Asset Management LLC (0.11%). 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, William G Huddle, 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 3/16 Dividend: 3/02/2026
• Ex-Dividend for 3/16 Dividend: 3/02/2026
• Dividend Payable: 3/16/2026
• Last Earnings: 4/22/2026
• Today: 5/07/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• 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: 1877

Profitability

• EPS (Trailing Twelve Months): $1.61
• Trailing P/E Ratio: 10.05
• Forward P/E Ratio: 9.58
• P/E Growth: N/A
• Net Income: $23.12 million
• Net Margins: 18.50%
• Pretax Margin: 22.61%
• Return on Equity: 8.53%
• Return on Assets: 1.01%

Debt

• Debt-to-Equity Ratio: 0.38
• Current Ratio: 0.93
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $124.52 million
• Price / Sales: 1.83
• Cash Flow: $1.68 per share
• Price / Cash Flow: 9.52
• Book Value: $19.31 per share
• Price / Book: 0.83

Miscellaneous

• Outstanding Shares: 14,240,000
• Free Float: 13,431,000
• Market Cap: $227.87 million
• Optionable: Optionable
• Beta: 0.57