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LCNB CORPORATION

LCNBNASDAQ
πŸ† #2908 by market capEarnings Oct 28US Equity
$19.78β–² $0.20 (+1.02%)
Market closed Β· at close
1hβ€”
24hβ–² 1.0%
7dβ–² 0.2%
14dβ–Ό 2.2%
30dβ–² 11.8%
1yβ–² 36.4%
🏦Market Cap
$282M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-0.9%
Declining
πŸ“ŠGross Margin
73.9%
High
πŸ’΅FCF Margin
29.1%
Strong
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
51
Weak

Trading Snapshot

Day Range
$19.71 – $19.96
52-Week Range
$14.31 – $21.32
Volume
$1.91B
Avg Volume
$1.55B
Shares Outstanding
14.2M
Next Earnings
Oct 28, 2026

Fundamentals Snapshot

Annual Revenue
$124M
Last Q Revenue
$32M
P/E Ratio
11.4
P/S Ratio
2.3x
EPS (TTM)
$1.73
Dividend Yield
4.45%

Why Investors Own LCNB

  • βœ“High-growth profile β€” revenue up +11.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 38% gross margin and 19% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$124Mβ–² +7.8% YoY
Gross Margin (TTM)
38.4%β–Ό βˆ’0.1% YoY
Operating Income (TTM)
$20Mβ–² +7.8% YoY
Free Cash Flow (TTM)
$23Mβ–² +7.8% YoY

About LCNB CORPORATION

LCNB Corp. functions as the parent entity of LCNB National Bank, delivering comprehensive banking solutions across Ohio. The bank offers a variety of deposit options, such as checking, demand, savings, NOW, and money market accounts, alongside certificates of deposit. Its lending portfolio is extensive, covering commercial and industrial financing, real estate loans for both commercial and residential properties, agricultural loans, construction financing, and Small Business Administration (SBA) loans. Residential mortgage options are also available, encompassing loans for home purchases or refinancing, home equity lines of credit, and other consumer or commercial loans secured by residential real estate. Additionally, the institution provides various consumer credit facilities, including those for vehicles (automobiles, RVs, boats), home improvements, and personal needs. Beyond traditional banking, LCNB Corp. extends its services to include trust administration, estate settlement, and fiduciary responsibilities. It also offers investment management for a range of accounts, including trusts, agency accounts, individual retirement accounts (IRAs), and institutional funds like foundations and endowments. The company's investment division delivers a suite of products and services, such as financial needs assessments, mutual funds, securities trading, annuities, and life insurance, complemented by full-service security brokerage. To enhance convenience for both individual and business clients, LCNB Corp. provides a host of ancillary services. These include secure storage (safe deposit boxes, night depositories), transactional support (cashier's checks, bank-by-mail, ATMs, wire transfers, electronic funds transfer, cash and transaction services, debit cards), utility bill collection, notary public services, and sophisticated digital banking options like telephone banking, online (PC Internet) banking, and mobile banking, along with comprehensive cash management solutions. As of December 31, 2021, the company maintained a substantial presence with 32 physical locations throughout Ohio, featuring a main office and an operations center situated in Warren County. Its branch network extends across Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties. This physical infrastructure is further supported by 37 automated teller machines (ATMs). Established in 1877, LCNB Corp. has its headquarters located in Lebanon, Ohio.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
51/100

Analyst Ratings

β“˜
Consensus
Sell
7 analysts
Strong Buy0
Buy0
Hold4
Sell1
Strong Sell2
Ratings as of Aug 2026

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