LCNB (LCNB) Stock Price, News & Analysis

Company Overview

LCNB Bancorp (NASDAQ: LCNB) is the bank holding company for LCNB National Bank, a community-focused financial services provider headquartered in Lebanon, Ohio. Through its subsidiary bank, the company offers a broad range of banking and financial solutions designed to meet the needs of individuals, families and businesses. LCNB National Bank operates a network of branches across central and southwestern Ohio as well as northern Kentucky, serving both urban and rural markets with an emphasis on personalized service and local decision‐making.

The company’s core business activities include commercial lending, consumer lending, deposit-taking and digital banking services. Commercial banking offerings encompass lines of credit, equipment financing and treasury management, while the consumer division provides residential mortgages, home equity lines of credit and a variety of personal loan products. LCNB Bancorp has invested in online and mobile platforms to enhance customer convenience, offering features such as remote deposit capture, real-time account alerts and bill payment services.

LCNB’s history dates back to 1891, when it was founded as Lebanon Citizens National Bank. Over the decades, the organization has grown organically and through strategic branch acquisitions to support expanding regional needs. In 1983, the holding company structure was established to facilitate further growth and diversification, enabling LCNB to augment its product mix with trust services, wealth management, mortgage servicing and other fiduciary activities.

Under the leadership of President and Chief Executive Officer John J. Vavrina and a board of directors with deep roots in the communities it serves, LCNB Bancorp emphasizes a local approach to banking. The company maintains strong ties to the region through community development initiatives, educational partnerships and charitable contributions. This commitment to local markets, combined with a focus on sound risk management and customer‐centric innovation, positions LCNB as a longstanding regional bank with deep community connections.

Key Stats

• Today's Range: $14.97 to $15.54
• 50-Day Range: $13.86 to $15.81
• 52-Week Range: $13.24 to $17.92
• Volume: 29,135 shs
• Average Volume: 20,894 shs
• Market Capitalization: $214.82 million
• P/E Ratio: 13.18
• Dividend Yield: 5.80%
• Price Target: $16.25
• Consensus Rating: Hold

LCNB Stock Analysis - MarketRank™

LCNB scored higher than 55% of companies evaluated by MarketBeat, and ranked 589th out of 933 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: 1.0 / 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 13.18, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of LCNB is 13.18, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

LCNB has a P/B Ratio of 0.85. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.72% 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 4.7.

Change versus previous month

Short interest in LCNB has recently increased by 9.07%, 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 5.74%, 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

0.72% 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 4.7.

Change versus previous month

Short interest in LCNB has recently increased by 9.07%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.82

News Sentiment

LCNB has a news sentiment score of 0.82. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for LCNB this week, compared to 1 article on an average week.

Search Interest

2 people have searched for LCNB on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

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 6.02% 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 stock has increased by 0.2% and is now trading at $15.16.

How were LCNB's earnings last quarter?

LCNB Corporation (NASDAQ:LCNB) released its quarterly earnings results on Tuesday, April, 22nd. The bank reported $0.33 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.39 by $0.06. The bank earned $21.52 million during the quarter, compared to analysts' expectations of $15.80 million. LCNB had a net margin of 12.72% and a trailing twelve-month return on equity of 7.68%.

Who are LCNB's major shareholders?

Top institutional shareholders of LCNB include Kapstone Financial Advisors LLC (0.63%), Hengehold Capital Management LLC (0.24%) and Baker Ellis Asset Management LLC (0.19%). 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 AU Optronics (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

• Last Earnings: 4/22/2025
• Record date for 6/16 Dividend: 6/02/2025
• Ex-Dividend for 6/16 Dividend: 6/02/2025
• Dividend Payable: 6/16/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

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: N/A

Price Target and Rating

• Average Price Target for LCNB: $16.25
• High Price Target: $16.25
• Low Price Target: $16.25
• Potential Upside/Downside: +7.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.15
• Trailing P/E Ratio: 13.18
• Forward P/E Ratio: 9.19
• P/E Growth: N/A
• Net Income: $13.49 million
• Net Margins: 12.72%
• Pretax Margin: 15.12%
• Return on Equity: 7.68%
• Return on Assets: 0.83%

Debt

• Debt-to-Equity Ratio: 0.40
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $125.42 million
• Price / Sales: 1.71
• Cash Flow: $1.28 per share
• Price / Cash Flow: 11.87
• Book Value: $17.93 per share
• Price / Book: 0.85

Miscellaneous

• Outstanding Shares: 14,170,000
• Free Float: 13,314,000
• Market Cap: $214.82 million
• Optionable: Optionable
• Beta: 0.60