LCNB (LCNB) Stock Price, News & Analysis

Company Overview

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 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. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.

Key Stats

• Today's Range: $15.20 to $15.99
• 50-Day Range: $14.85 to $17.63
• 52-Week Range: $12.42 to $17.92
• Volume: 86,747 shs
• Average Volume: 24,742 shs
• Market Capitalization: $215.04 million
• P/E Ratio: 29.88
• Dividend Yield: 5.77%
• Price Target: $16.25
• Consensus Rating: Hold

LCNB Stock Analysis - MarketRank™

LCNB scored higher than 44% of companies evaluated by MarketBeat, and ranked 617th out of 935 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: 1.0 / 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, 1 hold rating, and no sell ratings.

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: 60.55%

Earnings Growth

Earnings for LCNB are expected to grow by 60.55% in the coming year, from $1.09 to $1.75 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of LCNB is 29.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 114.00.

Price to Earnings Ratio vs. Sector

The P/E ratio of LCNB is 29.88, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 28.54.

Price to Book Value per Share Ratio

LCNB has a P/B Ratio of 0.72. 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

0.98% 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 6.8.

Change versus previous month

Short interest in LCNB has recently increased by 28.11%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

LCNB is a leading dividend payer. It pays a dividend yield of 5.60%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

LCNB does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of LCNB is 172.55%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, LCNB will have a dividend payout ratio of 50.29% 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

0.98% 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 6.8.

Change versus previous month

Short interest in LCNB has recently increased by 28.11%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.50

News Sentiment

LCNB has a news sentiment score of 0.50. 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 0.78 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for LCNB this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, LCNB insiders have bought 115.95% more of their company's stock than they have sold. Specifically, they have bought $36,625.00 in company stock and sold $16,960.00 in company stock.

Percentage Held by Insiders

Only 5.79% 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 $15.77 at the beginning of 2024. Since then, LCNB shares have decreased by 3.4% and is now trading at $15.24.
View the best growth stocks for 2024 here.

How were LCNB's earnings last quarter?

LCNB Corp. (NASDAQ:LCNB) released its quarterly earnings data on Monday, October, 21st. The bank reported $0.31 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.27 by $0.04. The bank had revenue of $32.81 million for the quarter, compared to analysts' expectations of $21.30 million. LCNB had a net margin of 5.88% and a trailing twelve-month return on equity of 6.39%.

Who are LCNB's major shareholders?

Top institutional investors of LCNB include Ritter Daniher Financial Advisory LLC DE (3.95%), Geode Capital Management LLC (2.12%), State Street Corp (1.09%) and Kapstone Financial Advisors LLC (0.61%). Insiders that own company stock include Robert A Bedinghaus, Steve P Foster, Eric J Meilstrup, William H Kaufman, Lawrence P Jr Mulligan, Michael Robert Miller, Anne E Krehbiel, Craig Millis Johnson, Mary E Bradford and Takeitha W Lawson.
View institutional ownership trends.

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.
Compare Top Brokerages Here.

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: 10/21/2024
• Ex-Dividend for 12/16 Dividend: 12/02/2024
• Dividend Payable: 12/16/2024
• Today: 12/21/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:LCNB
• CUSIP: N/A
• 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 Stock Price Target: $16.25
• High Stock Price Target: $16.25
• Low Stock Price Target: $16.25
• Potential Upside/Downside: +6.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $0.51
• Trailing P/E Ratio: 29.88
• Forward P/E Ratio: 13.98
• P/E Growth: N/A
• Net Income: $12.63 million
• Net Margins: 5.88%
• Pretax Margin: 6.62%
• Return on Equity: 6.39%
• Return on Assets: 0.67%

Debt

• Debt-to-Equity Ratio: 0.61
• Current Ratio: 0.93
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $76.65 million
• Price / Sales: 2.81
• Cash Flow: $1.70 per share
• Price / Cash Flow: 8.98
• Book Value: $21.15 per share
• Price / Book: 0.72

Miscellaneous

• Outstanding Shares: 14,110,000
• Free Float: 13,293,000
• Market Cap: $215.04 million
• Optionable: Optionable
• Beta: 0.77