LCNB Corp.

LCNB • Banks - Regional

$19.53

— 0.00 (0.00%)

EarningsLatest report: Jun 30, 2026

HIGHLY FAVORABLE PROFILEExcellentConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.

Market Cap

$276.50M

Growth

2.8%

Cash Flow

5/5

Trend

Stable

Evidence

Stable or improving margins · 18.6%Positive revenue growth · 9.9%Positive free cash flow · 2.37Consistent free cash flow · 5/5Reasonable earnings multiple · 9.99

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:33 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$19.53

Change0.00%

Shares Out14.16M

Market Cap$276.50M

Enterprise Value$145.41M

52W Range14.31 - 21.32

Beta0.59

P/E11.27

P/S2.22

P/B0.99

P/FCF7.09

EV/Sales1.17

Price$19.53

Change0.00%

Shares Out14.16M

Market Cap$276.50M

Enterprise Value$145.41M

52W Range14.31 - 21.32

Beta0.59

P/E11.27

P/S2.22

P/B0.99

P/FCF7.09

EV/Sales1.17

EV/EBITDA4.46

EV/FCF3.73

Earnings Yield8.87%

FCF Yield14.11%

Dividend Yield5.68%

Gross Margin72.26%

Oper. Margin22.66%

Profit Margin18.61%

Debt/Eq0.43

Current Ratio0.55

Quick Ratio0.55

Revenue 5Y2.84%

Target$19.00

Target Upside-2.71%

Target Median$19.00

Target Range19.00 - 19.00

Volume446.00

Avg Volume31.92K

EPS Surprise-0.04

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

83/100

Financial Strength

Debt, cash, stability

37/100

Growth Potential

Revenue and expansion

95/100

Price Attractiveness

Cheap or expensive today

89/100

Why this score▼

Stable or improving margins · 18.6%Positive revenue growth · 9.9%Positive free cash flow · 2.37Consistent free cash flow · 5/5Reasonable earnings multiple · 9.99Manageable debt level · 0.43

Analyst view

Analyst sentiment and price target

LCNB

Analyst sentiment

Based on 3 analyst votes · 2026-09-05

67/100

Neutral

Bullish

Hold

Bearish

Price Target

2026-08-07

Low

$19.00

Mean

$19.00

Median

$19.00

High

$19.00

Company Overview

IPO: 10/26/1999

Industry: Banks - Regional

P/B i: 0.99

Debt / Equity i: 0.43

Operating Margin: 22.66%

Net Margin: 18.61%

ROE i: -

ROIC: -

Financial Health

Score7 / 20

Debt / Equity: 0.43

Current Ratio: 0.55

Quick Ratio: 0.55

Status: Weak

Warnings

Weak Liquidity
Weak quick ratio

Insider Transactions

Recent executive and insider activity

Meilstrup Eric J

Transaction: 05/28/2026

BUY

Change

+400

Price

$16.95

Filing

05/29/2026

Type

BUY

Haines Robert C II

Transaction: 05/15/2026

BUY

Change

+500

Price

$15.78

Filing

05/18/2026

Type

BUY

Meilstrup Eric J

Transaction: 02/23/2026

BUY

Change

+6,873

Price

$17.46

Filing

02/23/2026

Type

BUY

Insider	Type	Change	Price	Transaction	Filing
Meilstrup Eric J	BUY	+400	$16.95	05/28/2026	05/29/2026
Haines Robert C II	BUY	+500	$15.78	05/15/2026	05/18/2026
Meilstrup Eric J	BUY	+6,873	$17.46	02/23/2026	02/23/2026
Miller Michael Robert	BUY	+2,676	$17.46	02/23/2026	02/23/2026
Mulligan Lawrence P Jr.	BUY	+2,392	$17.46	02/23/2026	02/23/2026
Meeker Jeffrey D	BUY	+2,099	$17.46	02/23/2026	02/23/2026
Ruppert Bradley Austin	BUY	+2,511	$17.46	02/23/2026	02/23/2026
Walter Patricia L.	BUY	+2,099	$17.46	02/23/2026	02/23/2026
Wallace Andrew Michael	BUY	+1,870	$17.46	02/23/2026	02/23/2026
Cropper Spencer S	BUY	+974	$17.46	02/23/2026	02/23/2026
FOSTER STEVE P	BUY	+974	$17.46	02/23/2026	02/23/2026
Haines Robert C II	BUY	+4,108	$17.46	02/23/2026	02/23/2026
WILSON STEPHEN P	BUY	+974	$17.46	02/23/2026	02/23/2026
Bradford Mary E	BUY	+974	$17.46	02/23/2026	02/23/2026
Huddle William G	BUY	+974	$17.46	02/23/2026	02/23/2026
Johnson Craig Millis	BUY	+974	$17.46	02/23/2026	02/23/2026
Johrendt Michael J	BUY	+974	$17.46	02/23/2026	02/23/2026
KAUFMAN WILLIAM H	BUY	+974	$17.46	02/23/2026	02/23/2026
Krehbiel Anne E	BUY	+974	$17.46	02/23/2026	02/23/2026
Lawson Takeitha W	BUY	+974	$17.46	02/23/2026	02/23/2026

About the Company

LCNB Corp.

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.

Source - link

Peers

BPRN CFFI FCCO FSFG FUNC FVCB HWBK ISTR OVLY VABK

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

BlackRock Inc. Acquires Shares of 959,927 LCNB Corporation $LCNB

BlackRock Inc. acquired a new position in shares of LCNB Corporation (NASDAQ: LCNB) during the quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The firm acquired 959,927 shares of the bank's stock, valued at approximately $16,885,000. BlackRock Inc. owned about 6.74% of LCNB at the end

Defense World

LCNB Corp. Announces 2026 Third-Quarter Dividend

LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. (Nasdaq: LCNB) today announced that the Company's Board of Directors declared a cash dividend of $0.22 per common share. The common stock cash dividend will have a record date of September 1, 2026, and is payable to shareholders on September 15, 2026. About LCNB Corp. LCNB Corp. is a financial holding company headquartered in Lebanon, Ohio. Through its subsidiary, LCNB National Bank (the “Bank”), it serves customers and communities in Southwest and Sou.

Business Wire

LCNB Corp. Appoints Susan B. Zaunbrecher to Board of Directors

LCNB Corp. (NASDAQ: LCNB) (the âCompanyâ), the holding company for LCNB National Bank (the âBankâ), today announced the appointment of Susan B. Zaunbrec

GuruFocus

LCNB Corp. Appoints Susan B. Zaunbrecher to Board of Directors

LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. (NASDAQ: LCNB) (the “Company”), the holding company for LCNB National Bank (the “Bank”), today announced the appointment of Susan B. Zaunbrecher to the Boards of Directors of both LCNB Corp. and LCNB National Bank, effective immediately. Zaunbrecher brings more than three decades of legal, financial services, corporate governance, and strategic leadership experience. She recently retired as Chief Legal Officer and Corporate Secretary of Fifth Third Ban.

Business Wire

LCNB Corp. Announces Closing of Subordinated Notes Offering

LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. ("LCNB") (NASDAQ: LCNB) the holding company for LCNB National Bank, today announced the closing of a private placement of $25.0 million in aggregate principal amount of its 6.50% Fixed-to-Floating Rate Subordinated Notes due 2036 (the “Notes”). The Company intends to use the net proceeds of the Notes issuance to repay approximately $8.8 million of its existing long-term debt. The remaining net proceeds will be used for general corporate purposes, inclu.

Business Wire

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-22	0.35	0.31	-0.04
2026-01-29	0.44	0.4	-0.04
2025-10-22	0.425	0.49	0.065
2025-07-22	0.38	0.41	0.03
2025-04-22	0.355	0.33	-0.025
2024-10-21	0.27	0.31	0.04
2024-07-23	0.18	0.29	0.11
2024-04-30	0.36	0.15	-0.21
2023-10-24	0.4	0.37	-0.03
2023-07-21	0.36	0.42	0.06
2023-04-24	0.52	0.37	-0.15
2022-10-21	0.43	0.49	0.06