LCNB - LCNB Corp Stock Price, Fair Value and News

14.80USD+0.10 (+0.68%)Delayed as of 16 May 2024, 11:15 am ET

Market Summary

USD14.80+0.10

Delayedas of 16 May 2024, 11:15 am

0.68%

LCNB Stock Price

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LCNB RSI Chart

LCNB Valuation

Market Cap

207.9M

Price/Earnings (Trailing)

20.02

Price/Sales (Trailing)

2.41

EV/EBITDA

4.72

Price/Free Cashflow

73.2

LCNB Price/Sales (Trailing)

LCNB Profitability

EBT Margin

14.38%

Return on Equity

4.44%

Return on Assets

0.45%

Free Cashflow Yield

1.37%

LCNB Fundamentals

LCNB Revenue

Revenue (TTM)

86.4M

Rev. Growth (Yr)

38.17%

Rev. Growth (Qtr)

6.21%

LCNB Earnings

Earnings (TTM)

10.4M

Earnings Growth (Yr)

-53.93%

Earnings Growth (Qtr)

753.58%

Breaking Down LCNB Revenue

52 Week Range

13.3317.72

(Low)(High)

Last 7 days

0.3%

Last 30 days

2.6%

Last 90 days

0.9%

Trailing 12 Months

-1.9%

How does LCNB drawdown profile look like?

LCNB Financial Health

Debt/Equity

0.7

Debt/Cashflow

0.04

LCNB Investor Care

Dividend Yield

5.85%

Dividend/Share (TTM)

0.86

Shares Dilution (1Y)

27.17%

Diluted EPS (TTM)

0.88

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	86.4M	0	0	0
2023	68.5M	71.0M	74.0M	79.6M
2022	60.8M	61.5M	63.2M	65.8M
2021	62.8M	62.2M	61.9M	61.2M
2020	65.6M	65.3M	64.3M	63.8M
2019	59.6M	63.4M	64.6M	65.2M
2018	44.7M	46.3M	50.4M	54.6M
2017	44.0M	43.9M	44.1M	44.5M
2016	43.2M	42.9M	43.3M	43.8M
2015	40.3M	41.7M	42.2M	42.7M
2014	34.7M	36.2M	37.7M	39.5M
2013	30.3M	31.1M	32.2M	33.5M
2012	31.7M	31.2M	30.6M	29.9M
2011	33.6M	33.1M	32.6M	32.1M
2010	0	34.6M	34.3M	34.0M
2009	0	0	0	34.9M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of LCNB Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 04, 2024	foster steve p	acquired	17,004	13.87	1,226	-
Mar 04, 2024	mulligan lawrence p jr.	acquired	31,457	13.87	2,268	executive vice president
Mar 04, 2024	johrendt michael j	acquired	17,004	13.87	1,226	-
Mar 04, 2024	meilstrup eric j	acquired	84,038	13.87	6,059	ceo & president
Mar 04, 2024	wilson stephen p	acquired	17,004	13.87	1,226	-
Mar 04, 2024	krehbiel anne e	acquired	17,004	13.87	1,226	-
Mar 04, 2024	layer matthew palmer	acquired	34,841	13.87	2,512	executive vice president
Mar 04, 2024	miller michael robert	acquired	34,841	13.87	2,512	exec vice president
Mar 04, 2024	johnson craig millis	acquired	17,004	13.87	1,226	-
Mar 04, 2024	cropper spencer s	acquired	17,004	13.87	1,226	-

Which funds bought or sold LCNB recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	STATE STREET CORP	added	16.85	359,316	2,343,310	-%
May 15, 2024	DEUTSCHE BANK AG\	unchanged	-	860	80,593	-%
May 15, 2024	MORGAN STANLEY	added	11.45	121,374	1,080,530	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-42.09	-135,600	191,408	-%
May 15, 2024	BARCLAYS PLC	reduced	-24.27	-95,000	309,000	-%
May 15, 2024	Cetera Advisor Networks LLC	unchanged	-	13,475	1,263,480	0.01%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-84.47	-9,931	1,849	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-7.51	-17,781	255,040	-%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	reduced	-13.5	-86,000	598,000	-%
May 15, 2024	NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO	unchanged	-	483	45,349	-%

Are Funds Buying or Selling LCNB?

Are funds buying LCNB calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own LCNB

No. of Funds

Unveiling LCNB Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 11, 2022	lame john c	0%	0	SC 13D/A
Jan 19, 2022	lame john c	5.59%	695,000	SC 13D/A
Nov 22, 2021	lame john c	5.44%	676,480	SC 13D/A
Oct 21, 2021	lame john c	5.44%	676,480	SC 13D/A
Jul 30, 2021	lame john c	4.43%	559,880	SC 13D
Jul 12, 2021	blackrock inc.	0.5%	63,356	SC 13G/A
Jan 29, 2021	blackrock inc.	5.8%	747,580	SC 13G/A
Feb 07, 2020	blackrock inc.	5.4%	698,502	SC 13G

Recent SEC filings of LCNB Corp

View All Filings

Date Filed	Form Type	Document
May 10, 2024	10-Q	Quarterly Report
May 10, 2024	13F-HR	Fund Holdings Report
Apr 29, 2024	8-K	Current Report
Apr 26, 2024	8-K	Current Report
Apr 12, 2024	8-K	Current Report
Mar 18, 2024	DEF 14A	DEF 14A
Mar 15, 2024	10-K	Annual Report
Mar 05, 2024	4	Insider Trading
Mar 05, 2024	4	Insider Trading
Mar 05, 2024	4	Insider Trading

Peers (Alternatives to LCNB Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	580.6B	174.7B	10.55%	50.52%	11.53	3.32	53.11%	19.83%
BAC	304.4B	137.9B	8.26%	42.25%	12.16	2.21	56.12%	-12.56%
WFC	217.3B	85.8B	9.39%	62.33%	11.58	2.53	35.02%	26.14%
C	122.5B	125.0B	9.68%	41.85%	15.33	0.98	37.85%	-
CFG	16.8B	10.4B	11.70%	47.15%	11.72	1.61	26.22%	-33.87%
KEY	14.7B	8.1B	7.90%	66.17%	16.8	1.8	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	8.52%	62.72%	10.53	1.72	34.68%	-45.96%
ZION	6.7B	4.1B	11.66%	93.23%	10.59	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	11.39%	71.61%	12.26	2.64	30.60%	-12.99%
ASB	3.4B	2.0B	11.00%	55.39%	21.08	1.66	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	410.6M	173.1M	11.64%	37.59%	14.07	2.37	26.54%	-34.86%
ALRS	390.2M	152.4M	-1.20%	38.83%	39.25	2.56	16.94%	-73.84%
ACNB	288.6M	98.7M	3.06%	15.69%	9.81	2.92	6.27%	-22.90%
ASRV	47.0M	62.5M	18.70%	-3.87%	-15.89	0.75	18.83%	-145.18%

LCNB Corp News

Latest updates

LCNB Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	6.2%	25.00	23.00	20.00	19.00	18.00	18.00	17.00	16.00	15.00	15.00	15.00	15.00	16.00	16.00	15.00	16.00	17.00	16.00	16.00	16.00	16.00
EBITDA Margin	-11.8%	0.83*	0.94*	1.14*	1.24*	1.31*	1.38*	1.40*	1.40*	1.39*	1.39*	1.37*	1.35*	-	-	-	-	-	-	-	-	-
Interest Expenses	-5.2%	14.00	15.00	14.00	14.00	14.00	16.00	15.00	15.00	14.00	14.00	14.00	14.00	14.00	15.00	14.00	14.00	14.00	14.00	14.00	14.00	13.00
Income Taxes	232.2%	0.00	-0.24	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	521.0%	2.00	-0.53	5.00	6.00	5.00	8.00	7.00	7.00	5.00	7.00	6.00	6.00	6.00	7.00	5.00	6.00	6.00	6.00	6.00	6.00	6.00
EBT Margin	-25.0%	0.14*	0.19*	0.32*	0.36*	0.39*	0.41*	0.41*	0.41*	0.41*	0.42*	0.42*	0.40*	-	-	-	-	-	-	-	-	-
Net Income	753.6%	2.00	-0.29	4.00	5.00	4.00	6.00	6.00	6.00	5.00	6.00	5.00	5.00	5.00	6.00	4.00	5.00	5.00	5.00	5.00	5.00	5.00
Net Income Margin	-24.3%	0.12*	0.16*	0.26*	0.29*	0.32*	0.34*	0.34*	0.33*	0.33*	0.34*	0.34*	0.33*	-	-	-	-	-	-	-	-	-
Free Cashflow	-276.4%	-13.35	8.00	5.00	4.00	2.00	7.00	7.00	7.00	5.00	2.00	7.00	3.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-0.4%	2,283	2,292	176	1,951	1,925	1,919	1,905	1,913	1,900	1,904	1,884	1,857	1,818	1,746	1,726	1,735	1,636	1,639	1,644	1,642	1,632
Cash Equivalents	-17.0%	33.00	40.00	43.00	26.00	32.00	23.00	29.00	32.00	20.00	18.00	24.00	23.00	41.00	32.00	24.00	43.00	25.00	21.00	23.00	23.00	20.00
Net PPE	1.1%	37.00	36.00	33.00	33.00	33.00	33.00	33.00	35.00	35.00	35.00	35.00	35.00	35.00	35.00	35.00	35.00	35.00	35.00	34.00	33.00	33.00
Goodwill	0.1%	80.00	80.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00	59.00
Liabilities	-0.3%	2,049	2,056	1,780	1,748	1,720	1,719	1,709	1,710	1,693	1,665	1,646	1,617	1,579	1,505	1,487	1,498	1,403	1,411	1,419	1,419	1,408
Short Term Borrowings	-89.7%	10.00	97.00	30.00	112	77.00	71.00	4.00	5.00	25.00	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	43.8%	163	113	113	18.00	19.00	19.00	25.00	25.00	-	10.00	-	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	-0.7%	234	235	26.00	202	204	201	195	203	207	239	238	240	239	241	239	237	233	228	225	223	224
Retained Earnings	-0.7%	139	140	143	141	139	139	135	132	129	126	123	121	118	115	112	110	107	104	102	99.00	97.00
Shares Outstanding	0.4%	13.00	13.00	11.00	11.00	11.00	11.00	11.00	11.00	12.00	13.00	12.00	13.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	154	-	-	-	160	-	-	-	197	-	-	-	195	-	-	-	234	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-247.8%	-12,494	8,451	5,241	4,518	2,492	6,900	7,012	6,727	4,603	3,032	7,231	3,519	4,039	4,370	4,377	3,626	1,305	7,119	6,599	5,927	2,323
Cashflow From Investing	200.2%	12,258	-12,237	-18,071	-34,750	7,305	-20,306	-2,907	-9,629	-12,070	-26,574	-26,412	-54,387	-67,846	-8,728	-9,068	-74,500	12,245	1,100	-1,309	-3,399	12,664
Cashflow From Financing	-7612.6%	-6,536	87.00	30,232	24,376	-622	6,647	-6,460	14,776	9,272	17,826	20,124	32,633	73,221	11,603	-13,560	88,815	-9,520	-10,280	-5,649	1,130	-15,500
Dividend Payments	-0.7%	2,882	2,901	2,290	2,378	2,369	2,361	2,271	2,279	2,280	2,757	2,278	2,341	2,344	2,701	2,250	2,250	2,247	2,606	2,111	2,144	2,167
Buy Backs	-	-	-	-	1,488	1,838	680	1,380	514	21,086	439	3,468	3,263	1,140	1,080	792	-	-	-	993	5,841	-

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LCNB Income Statement

2024-03-31

CONSOLIDATED CONDENSED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
INTEREST INCOME:
Interest and fees on loans	$ 22,682	$ 16,143
With a readily determinable fair value	9	17
Without a readily determinable fair value	31	20
Taxable	1,232	1,343
Non-taxable	143	176
Other investments	661	219
TOTAL INTEREST INCOME	24,758	17,918
INTEREST EXPENSE:
Interest on deposits	8,190	2,456
Interest on short-term borrowings	935	1,304
Interest on long-term debt	1,738	216
TOTAL INTEREST EXPENSE	10,863	3,976
NET INTEREST INCOME	13,895	13,942
Provision for (recovery of) credit losses	125	(57)
NET INTEREST INCOME AFTER PROVISION FOR (RECOVERY OF) CREDIT LOSSES	13,770	13,999
NON-INTEREST INCOME:
Debt Securities, Available-for-sale, Realized Gain (Loss)	(214)	0
Bank-owned life insurance income	318	271
Net gains from sales of loans	522	6
Other operating income (loss)	(54)	82
TOTAL NON-INTEREST INCOME	3,929	3,581
NON-INTEREST EXPENSE:
Salaries and employee benefits	8,554	7,349
Equipment expenses	390	361
Occupancy expense, net	1,005	963
State financial institutions tax	428	397
Marketing	174	192
Amortization of intangibles	236	111
FDIC insurance premiums, net	504	215
Contracted services	784	641
Other non-interest expense	2,622	2,271
TOTAL NON-INTEREST EXPENSE	15,472	12,525
INCOME BEFORE INCOME TAXES	2,227	5,055
PROVISION FOR INCOME TAXES	312	898
NET INCOME	$ 1,915	$ 4,157
Dividends declared per common share (usd per share)	$ 0.22	$ 0.21
Earnings per common share:
Basic (usd per share)	0.15	0.37
Diluted (usd per share)	$ 0.15	$ 0.37
Weighted average common shares outstanding:
Basic (in shares)	13,112,302	11,189,170
Diluted (in shares)	13,112,302	11,189,170
Merger-related expenses	$ 775	$ 25
Fiduciary and Trust
NON-INTEREST INCOME:
Revenue from Contract with Customer, Excluding Assessed Tax	1,973	1,740
Deposit Account
NON-INTEREST INCOME:
Revenue from Contract with Customer, Excluding Assessed Tax	$ 1,384	$ 1,482

LCNB Balance Sheet

2024-03-31

CONSOLIDATED CONDENSED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS:
Cash and due from banks	$ 24,950	$ 36,535
Interest-bearing demand deposits	8,001	3,188
Total cash and cash equivalents	32,951	39,723
Investment securities:
Equity securities with a readily determinable fair value, at fair value	1,334	1,336
Equity securities without a readily determinable fair value, at cost	3,666	3,666
Debt securities, available-for-sale, at fair value	262,786	276,601
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss	16,746	16,858
Federal Reserve Bank stock, at cost	5,774	5,086
Federal Home Loan Bank stock, at cost	16,469	15,176
Loans, net of allowance for credit losses of $10,557 and $10,525 at March 31, 2024 and December 31, 2023, respectively	1,645,797	1,712,946
Financing Receivable, Held-for-Sale	75,581	0
Premises and equipment, net	36,690	36,302
Operating Lease, Right-of-Use Asset	5,838	6,000
Goodwill	79,559	79,509
Core deposit and other intangibles, net	8,903	9,494
Bank-owned life insurance	50,165	49,847
Other assets, net	31,777	30,643
TOTAL ASSETS	2,283,151	2,291,592
Deposits:
Noninterest-bearing	435,580	462,267
Interest-bearing	1,422,913	1,362,122
Total deposits	1,858,493	1,824,389
Short-term Debt	10,000	97,395
Debt, Long-term and Short-term, Combined Amount	162,638	113,123
Operating lease liabilities	6,123	6,261
Accrued interest and other liabilities	12,234	15,121
TOTAL LIABILITIES	2,049,488	2,056,289
COMMITMENTS AND CONTINGENT LIABILITIES	$ 0	$ 0
Preferred shares authorized (in shares)	1,000,000	1,000,000
SHAREHOLDERS' EQUITY:
Preferred shares – no par value, authorized 1,000,000 shares, none outstanding	$ 0	$ 0
Common Stock, Value, Issued	174,082	173,637
Retained earnings	139,050	140,017
Treasury Stock, Value	(56,015)	(56,015)
Accumulated other comprehensive loss, net of taxes	(23,454)	(22,336)
TOTAL SHAREHOLDERS' EQUITY	233,663	235,303
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	2,283,151	2,291,592
Accrued interest receivable	$ 9,115	$ 8,405
Common shares, no par value (in dollars per share)	$ 0	$ 0
Common shares issued (in shares)	16,435,659	16,384,952
Preferred shares outstanding (in shares)	0	0
Preferred shares, no par value (in dollars per share)	$ 0	$ 0
Common stock, shares, outstanding (in shares)	13,224,276	13,173,569
Common shares authorized (in shares)	19,000,000	19,000,000
Treasury stock (in shares)	3,211,383	3,211,383

About LCNB Corp

LCNB 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 individual retirement accounts and time certificates. 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. The company was founded in 1877 and is headquartered in Lebanon, Ohio.

CEO	Mr. Eric J. Meilstrup
WEBSITE	lcnb.com
INDUSTRY	Banks Diversified
EMPLOYEES	309

LCNB Corp Frequently Asked Questions

What is the ticker symbol for LCNB Corp? What does LCNB stand for in stocks?

LCNB is the stock ticker symbol of LCNB Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of LCNB Corp (LCNB)?

As of Wed May 15 2024, market cap of LCNB Corp is 207.9 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of LCNB stock?

You can check LCNB's fair value in chart for subscribers.

What is the fair value of LCNB stock?

You can check LCNB's fair value in chart for subscribers. The fair value of LCNB Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of LCNB Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for LCNB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is LCNB Corp a good stock to buy?

The fair value guage provides a quick view whether LCNB is over valued or under valued. Whether LCNB Corp is cheap or expensive depends on the assumptions which impact LCNB Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for LCNB.

What is LCNB Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 15 2024, LCNB's PE ratio (Price to Earnings) is 20.02 and Price to Sales (PS) ratio is 2.41. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. LCNB PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on LCNB Corp's stock?

In the past 10 years, LCNB Corp has provided 0.029 (multiply by 100 for percentage) rate of return.