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: $14.50 to $15.00
• 50-Day Range: $14.20 to $16.35
• 52-Week Range: $13.34 to $17.92
• Volume: 32,683 shs
• Average Volume: 22,904 shs
• Market Capitalization: $212.07 million
• P/E Ratio: 10.04
• Dividend Yield: 5.88%
• Price Target: $16.25
• Consensus Rating: Hold

LCNB Stock Analysis - MarketRank™

LCNB scored higher than 56% of companies evaluated by MarketBeat, and ranked 692nd out of 928 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: 1.9 / 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, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for LCNB is close to its current price, suggesting limited near-term upside or downside.

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: 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 10.04, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of LCNB is 10.04, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.19.

Price to Book Value per Share Ratio

LCNB has a P/B Ratio of 0.83. 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

0.69% of the outstanding shares of LCNB have been sold short.

Short Interest Ratio / Days to Cover

LCNB has a short interest ratio ("days to cover") of 4.4.

Change versus previous month

Short interest in LCNB has recently increased by 7.21%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

LCNB is a leading dividend payer. It pays a dividend yield of 6.06%, 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 59.06%. 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.

Sustainability and ESG

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

Percentage of Shares Shorted

0.69% of the outstanding shares of LCNB have been sold short.

Short Interest Ratio / Days to Cover

LCNB has a short interest ratio ("days to cover") of 4.4.

Change versus previous month

Short interest in LCNB has recently increased by 7.21%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.53

News Sentiment

LCNB has a news sentiment score of 0.53. 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 is a lower news sentiment than the 0.83 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for LCNB this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 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

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 shares have decreased by 1.1% and is now trading at $14.96.

How were LCNB's earnings last quarter?

LCNB Corporation (NASDAQ:LCNB) posted its earnings results on Wednesday, August, 28th. The bank reported $0.45 EPS for the quarter. The bank had revenue of $17.82 million for the quarter. LCNB had a net margin of 16.62% and a trailing twelve-month return on equity of 8.26%.

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

• Last Earnings: 8/28/2024
• Record date for 9/16 Dividend: 9/02/2025
• Ex-Dividend for 9/16 Dividend: 9/02/2025
• Dividend Payable: 9/16/2025
• Today: 10/10/2025
• Next Earnings (Estimated): 10/20/2025
• 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: +8.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.49
• Trailing P/E Ratio: 10.04
• Forward P/E Ratio: 9.07
• P/E Growth: N/A
• Net Income: $13.49 million
• Net Margins: 16.62%
• Pretax Margin: 20.02%
• Return on Equity: 8.26%
• Return on Assets: 0.92%

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: 1.69
• Cash Flow: $1.30 per share
• Price / Cash Flow: 11.50
• Book Value: $17.93 per share
• Price / Book: 0.83

Miscellaneous

• Outstanding Shares: 14,180,000
• Free Float: 13,323,000
• Market Cap: $212.13 million
• Optionable: Optionable
• Beta: 0.58