LCNB
NEUTRAL
$16.95
Live
LCNB Corp. · NASDAQ
Target $18.0
(+6.2%)
$13.47
52W Range
$17.89
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 13, 2026
Market cap
$241.33M
P/E
10.4
ROE
8.8%
Profit margin
25.7%
Debt/Equity
N/A
Dividend yield
5.19%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
LCNB presents as a classic value play with a stable Piotroski F-Score of 4/9 and a Graham Number ($26.61) significantly above the current price. However, this valuation is tempered by negative earnings growth (-7.1% YoY) and a very bearish technical trend (10/100). While the stock trades at a discount to book value (P/B 0.88) and offers a strong dividend yield, the lack of growth momentum and bearish insider sentiment suggest limited immediate upside.
Key Strengths
Trading below book value (P/B 0.88)
Attractive dividend yield of 5.19% with a sustainable payout ratio (53.99%)
Low P/E ratio (10.40) compared to broader financial sector averages
Strong defensive fair value indicated by Graham Number ($26.61)
Consistent history of earnings beats over the long term (25 quarters tracked)
Key Risks
Negative earnings growth (-7.1% YoY and -18.4% Q/Q)
Very bearish technical trend (10/100)
Bearish insider sentiment with net selling activity
Stagnant revenue growth (3.5% YoY) relative to sector peers
Mediocre Piotroski F-Score (4/9) indicating only stable, not strong, financial health
AI Fair Value Estimate
Based on comprehensive analysis
$18.0
+6.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
62
Strong
85
30
65
50
80
AI Verdict
Value Trap Risk
Key drivers: Deep value metrics (P/B, Graham Number), Declining earnings growth, Bearish technicals and insider signals
Confidence
80%
Value
85/100
Ref P/E 10.40, P/B 0.88, Graham Number $26.61
Positives
- P/B < 1.0
- P/E is low at 10.40
- Graham Number suggests significant upside
Watchpoints
- Intrinsic value based on growth is lower than current price ($11.41)
Future
30/100
Ref Earnings Growth -7.1% YoY
Positives
- Slight positive revenue growth (3.5%)
Watchpoints
- Negative YoY earnings growth
- Negative Q/Q earnings growth
Past
65/100
Ref 1Y Change +31.1%
Positives
- Strong 1-year price appreciation (+31.1%)
- Long-term track record of meeting/beating estimates
Watchpoints
- Recent quarterly earnings misses
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski F-Score of 4/9 is in the 'Stable' range
Watchpoints
- F-Score is not in the 'Strong' range (7-9)
Dividend
80/100
Ref Yield 5.19%, Payout 53.99%
Positives
- High yield (5.19%)
- Moderate payout ratio (53.99%)
Watchpoints
- Dividend strength is offset by declining earnings
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$16.95
Analyst Target
$18.0
Upside/Downside
+6.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for LCNB and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
LCNB
LCNB Corp.
Primary
|
+22.5% | +17.6% | +31.1% | +21.4% | +1.7% | +5.1% |
|
HWBK
Hawthorn Bancshares, Inc.
Peer
|
+108.3% | +69.7% | +31.5% | +19.5% | +7.5% | +3.3% |
|
BNY
BlackRock New York Municipal Income Trust
Peer
|
-10.7% | +6.7% | +4.5% | +11.3% | +1.2% | -0.6% |
|
BPRN
Princeton Bancorp, Inc.
Peer
|
+94.1% | +27.8% | +16.7% | +19.4% | +5.0% | +1.6% |
|
AIFU
AIFU Inc.
Peer
|
-99.3% | -98.8% | -75.2% | -67.8% | +11.1% | +4.6% |
LCN
LCNB Corp.
Primary
5Y
+22.5%
3Y
+17.6%
1Y
+31.1%
6M
+21.4%
1M
+1.7%
1W
+5.1%
HWB
Hawthorn Bancshares, Inc.
Peer
5Y
+108.3%
3Y
+69.7%
1Y
+31.5%
6M
+19.5%
1M
+7.5%
1W
+3.3%
BNY
BlackRock New York Municipal Income Trust
Peer
5Y
-10.7%
3Y
+6.7%
1Y
+4.5%
6M
+11.3%
1M
+1.2%
1W
-0.6%
BPR
Princeton Bancorp, Inc.
Peer
5Y
+94.1%
3Y
+27.8%
1Y
+16.7%
6M
+19.4%
1M
+5.0%
1W
+1.6%
AIF
AIFU Inc.
Peer
5Y
-99.3%
3Y
-98.8%
1Y
-75.2%
6M
-67.8%
1M
+11.1%
1W
+4.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.4
Forward P/E
9.36
PEG Ratio
N/A
P/B Ratio
0.88
P/S Ratio
2.68
EV/Revenue
3.65
EV/EBITDA
N/A
Market Cap
$241.33M
Profitability
Profit margins and return metrics
Profit Margin
25.67%
Operating Margin
34.87%
Gross Margin
N/A
ROE
8.77%
ROA
1.02%
Growth
Revenue and earnings growth rates
Revenue Growth
+3.5%
Earnings Growth
-7.1%
Q/Q Revenue Growth
+5.09%
Q/Q Earnings Growth
-7.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$1.71
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
23.7%
Total Assets
$2.2B
Liabilities
$2.0B
Equity
$0.3B
Debt/Equity
7.18x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
97%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-01-29
$0.4
-11.1% surprise
2025-10-22
$0.49
+15.3% surprise
2025-07-22
$0.43
+12.7% surprise
Financial Services Sector Comparison
Comparing LCNB against 377 companies in the Financial Services sector
(65 bullish, 163 neutral, 149 bearish)
P/E Ratio
10.4
This Stock
vs
50.76
Sector Avg
-79.5%
(Discount)
Return on Equity (ROE)
8.77%
This Stock
vs
-0.32%
Sector Avg
-2873.9%
(Below Avg)
Profit Margin
25.67%
This Stock
vs
64.46%
Sector Avg
-60.2%
(Weaker)
Revenue Growth
3.5%
This Stock
vs
44.75%
Sector Avg
-92.2%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
LCNB
LCNB Corp.
|
NEUTRAL | $241.33M | 10.4 | 8.8% | 25.7% | $16.95 | |
|
HWBK
Hawthorn Bancshares, Inc.
|
NEUTRAL | $241.01M | 10.18 | 14.7% | 29.8% | $34.92 | Compare |
|
BNY
BlackRock New York...
|
BEARISH | $244.55M | - | -8.6% | -115.2% | $10.14 | Compare |
|
BPRN
Princeton Bancorp, Inc.
|
NEUTRAL | $250.77M | 14.21 | 6.7% | 23.2% | $37.08 | Compare |
|
AIFU
AIFU Inc.
|
BEARISH | $230.48M | 0.17 | -7.4% | -1.4% | $1.99 | Compare |
LCNB
LCNB Corp.
NEUTRAL
Mkt Cap
$241M
P/E
10.4
ROE
8.8%
Price
$16.95
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-23 | FOSTER STEVE P | Director | Stock Award | 974 | $17,006 |
| 2026-02-23 | CROPPER SPENCER S | Chairman of the Board | Stock Award | 974 | $17,006 |
| 2026-02-23 | KAUFMAN WILLIAM H | Director | Stock Award | 974 | $17,006 |
| 2026-02-23 | WILSON STEPHEN P | Director | Stock Award | 974 | $17,006 |
| 2026-02-23 | MULLIGAN LAWRENCE P. JR. | Officer | Stock Award | 2,392 | $41,764 |
| 2026-02-23 | JOHNSON CRAIG MILLIS | Director | Stock Award | 974 | $17,006 |
| 2026-02-23 | LAWSON TAKEITHA W. | Director | Stock Award | 974 | $17,006 |
| 2026-02-23 | WALLACE ANDREW MICHAEL | Chief Financial Officer | Stock Award | 1,870 | $32,650 |
| 2026-02-23 | MEEKER JEFFREY D | Officer | Stock Award | 2,099 | $36,649 |
| 2026-02-23 | HUDDLE WILLIAM G. | Director | Stock Award | 974 | $17,006 |
| 2026-02-23 | MEILSTRUP ERIC J | Chief Executive Officer | Stock Award | 6,873 | $120,003 |
| 2026-02-23 | HAINES ROBERT C II | President | Stock Award | 4,108 | $71,726 |
| 2026-02-23 | KREHBIEL ANNE E | Director | Stock Award | 974 | $17,006 |
| 2026-02-23 | WALTER PATRICIA L | Officer | Stock Award | 2,099 | $36,649 |
| 2026-02-23 | MILLER MICHAEL ROBERT | Officer | Stock Award | 2,676 | $46,723 |
FOSTER STEVE P
Director
2026-02-23
974 shares
·
$17,006
CROPPER SPENCER S
Chairman of the Board
2026-02-23
974 shares
·
$17,006
KAUFMAN WILLIAM H
Director
2026-02-23
974 shares
·
$17,006
WILSON STEPHEN P
Director
2026-02-23
974 shares
·
$17,006
MULLIGAN LAWRENCE P. JR.
Officer
2026-02-23
2,392 shares
·
$41,764
JOHNSON CRAIG MILLIS
Director
2026-02-23
974 shares
·
$17,006
LAWSON TAKEITHA W.
Director
2026-02-23
974 shares
·
$17,006
WALLACE ANDREW MICHAEL
Chief Financial Officer
2026-02-23
1,870 shares
·
$32,650
MEEKER JEFFREY D
Officer
2026-02-23
2,099 shares
·
$36,649
HUDDLE WILLIAM G.
Director
2026-02-23
974 shares
·
$17,006
MEILSTRUP ERIC J
Chief Executive Officer
2026-02-23
6,873 shares
·
$120,003
HAINES ROBERT C II
President
2026-02-23
4,108 shares
·
$71,726
KREHBIEL ANNE E
Director
2026-02-23
974 shares
·
$17,006
WALTER PATRICIA L
Officer
2026-02-23
2,099 shares
·
$36,649
MILLER MICHAEL ROBERT
Officer
2026-02-23
2,676 shares
·
$46,723
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning LCNB from our newsroom.
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No matching news yet.