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Lcnb Corporation (LCNB)
:LCNB
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LCNB (LCNB) AI Stock Analysis

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LCNB

LCNB

(NASDAQ:LCNB)

Rating:78Outperform
Price Target:
$18.00
â–²(15.98%Upside)
LCNB's overall stock score reflects its robust financial performance, positive technical indicators, and strong corporate event outcomes. Financial stability and cash flow strength are the primary drivers, supported by a fair valuation and high dividend yield. The recent corporate event highlights significant earnings growth, further bolstering the score.

LCNB (LCNB) vs. SPDR S&P 500 ETF (SPY)

LCNB Business Overview & Revenue Model

Company DescriptionLCNB 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 certificates of deposit. 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 also 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. As of December 31, 2021, it operated 32 offices, including a main office in Warren County; branch offices in Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties; and an operations center in Warren County, Ohio, as well as 37 ATMs. The company was founded in 1877 and is headquartered in Lebanon, Ohio.
How the Company Makes MoneyLCNB makes money primarily through the interest income generated from its lending activities. This includes personal loans, commercial loans, and mortgages, where the bank earns interest from borrowers. Additionally, LCNB generates revenue from fees associated with its banking services, such as account maintenance fees, transaction fees, and overdraft charges. The bank also earns money through its trust and investment services by charging fees for managing assets and providing financial advice. LCNB's diversified revenue streams are supported by its strong local presence and community engagement, which help maintain a stable customer base and foster long-term relationships.

LCNB Financial Statement Overview

Summary
LCNB shows strong financial performance across all verticals, with steady revenue and profit growth, effective cost management, and solid cash flow generation. The balance sheet is stable with manageable leverage, although the equity ratio could be improved. Cash flows are particularly strong, indicating excellent liquidity. This positions the company well for sustainable growth and resilience in the regional banking sector.
Income Statement
80
Positive
The company's income statement reveals a robust performance with consistent revenue growth. The TTM revenue growth rate stands at 1.48%, indicating steady expansion. Gross profit margin is strong at 65.10%, showing efficient cost management, while the net profit margin of 12.72% reflects solid profitability. Both EBIT and EBITDA margins support strong operational performance at 15.12% and 15.67%, respectively. Overall, the company demonstrates a healthy income statement with a positive growth trajectory.
Balance Sheet
75
Positive
LCNB's balance sheet shows a stable financial position. The debt-to-equity ratio is favorable at 0.43, suggesting prudent leverage levels. Return on equity (ROE) is strong at 6.26%, indicating effective use of equity to generate profits. An equity ratio of 11.24% implies a stable capital structure, although somewhat lower compared to industry averages. Overall, the balance sheet reflects good financial health with manageable debt levels and effective equity utilization.
Cash Flow
85
Very Positive
The cash flow statement highlights strong cash generation capabilities. The TTM free cash flow growth rate is impressive at 16.73%, supported by a high operating cash flow to net income ratio of 6.63, indicating efficient cash conversion. Free cash flow to net income ratio stands at 6.45, reflecting strong cash profitability. Overall, the cash flow metrics reveal robust liquidity and cash management, positioning the company well for future investments or debt reduction.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue125.42M95.01M80.04M75.99M78.49M
Gross Profit79.24M69.68M75.08M72.21M68.92M
EBITDA16.57M18.25M29.69M28.20M26.39M
Net Income13.49M12.63M22.13M20.97M20.07M
Balance Sheet
Total Assets2.32B2.29B1.92B1.90B1.75B
Cash, Cash Equivalents and Short-Term Investments134.86M316.32M312.55M326.31M241.20M
Total Debt161.27M216.78M96.90M16.47M28.37M
Total Liabilities2.06B2.06B1.72B1.67B1.51B
Stockholders Equity253.04M235.30M200.68M238.60M240.82M
Cash Flow
Free Cash Flow89.44M20.75M27.83M15.88M10.89M
Operating Cash Flow93.24M23.36M28.71M17.82M13.68M
Investing Cash Flow61.39M-60.41M-48.38M-175.22M-80.05M
Financing Cash Flow-158.61M54.07M24.23M143.80M77.34M

LCNB Technical Analysis

Technical Analysis Sentiment
Positive
Last Price15.52
Price Trends
50DMA
14.78
Positive
100DMA
14.58
Positive
200DMA
14.88
Positive
Market Momentum
MACD
0.25
Negative
RSI
57.84
Neutral
STOCH
94.12
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LCNB, the sentiment is Positive. The current price of 15.52 is above the 20-day moving average (MA) of 15.25, above the 50-day MA of 14.78, and above the 200-day MA of 14.88, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 57.84 is Neutral, neither overbought nor oversold. The STOCH value of 94.12 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for LCNB.

LCNB Risk Analysis

LCNB disclosed 27 risk factors in its most recent earnings report. LCNB reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

LCNB Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$244.46M14.198.60%2.74%7.42%15.82%
78
Outperform
$221.44M10.448.29%5.67%14.84%170.41%
76
Outperform
$253.05M22.455.14%2.41%-6.64%-52.40%
76
Outperform
$232.23M11.2810.50%4.27%14.11%29.41%
73
Outperform
$218.54M33.452.70%3.79%16.39%-72.87%
68
Neutral
$17.10B11.199.70%3.58%11.11%-4.55%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
LCNB
LCNB
15.52
1.56
11.17%
PWOD
Penns Woods Bancorp
30.00
7.51
33.39%
CHMG
Chemung Financial
52.33
5.01
10.59%
MBCN
Middlefield Banc
29.96
4.82
19.17%
BPRN
Bank of Princeton
31.70
-4.45
-12.31%

LCNB Corporate Events

Business Operations and StrategyRegulatory Filings and Compliance
LCNB Announces Investor Meeting Materials Disclosure
Neutral
Jul 25, 2025

LCNB Corp. has announced its intention to use certain materials in upcoming meetings with investors and analysts. The information provided in this announcement is not considered filed under the Securities and Exchange Act of 1934, nor is it subject to the liabilities of that section, unless specifically referenced in future filings.

The most recent analyst rating on (LCNB) stock is a Hold with a $16.25 price target. To see the full list of analyst forecasts on LCNB stock, see the LCNB Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
LCNB Reports Strong Q2 2025 Financial Performance
Positive
Jul 22, 2025

On July 22, 2025, LCNB Corp. reported a significant improvement in its financial performance for the first half of 2025, with net earnings per share increasing by 24.2% in Q2 2025 compared to Q1 2025. The company’s net interest margin expanded to 3.47% from 2.86% a year earlier, driven by strategic balance sheet enhancements and stable interest rates. LCNB’s asset quality remained strong, and its non-interest income saw a notable rise due to gains from loan sales and increased fiduciary income. The company also benefited from recent acquisitions, which boosted its wealth and trust services. Despite a slight decrease in total assets and loans, LCNB’s shareholders’ equity grew, reflecting a robust financial position.

The most recent analyst rating on (LCNB) stock is a Hold with a $16.25 price target. To see the full list of analyst forecasts on LCNB stock, see the LCNB Stock Forecast page.

Executive/Board ChangesShareholder Meetings
LCNB Shareholders Approve Key Decisions at Annual Meeting
Neutral
May 22, 2025

On May 19, 2025, LCNB held its Annual Meeting of shareholders, where several key decisions were made. Shareholders elected four Class II directors, approved executive compensation, ratified Plante & Moran, PLLC as the accounting firm for 2025, and approved the 2025 Ownership Incentive Plan. However, a non-binding proposal for the sale of LCNB did not pass.

The most recent analyst rating on (LCNB) stock is a Hold with a $16.25 price target. To see the full list of analyst forecasts on LCNB stock, see the LCNB Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 23, 2025