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Upturn AI SWOT - About
LCNB 
LCNB Corporation (LCNB)
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Upturn Advisory Summary
09/17/2025: LCNB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $16.75
1 Year Target Price $16.75
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -37.2% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 226.11M USD | Price to earnings Ratio 10.63 | 1Y Target Price 16.75 |
Price to earnings Ratio 10.63 | 1Y Target Price 16.75 | ||
Volume (30-day avg) 2 | Beta 0.61 | 52 Weeks Range 12.95 - 16.93 | Updated Date 09/16/2025 |
52 Weeks Range 12.95 - 16.93 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 5.52% | Basic EPS (TTM) 1.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.38% | Operating Margin (TTM) 35.24% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 8.33% |
Valuation
Trailing PE 10.63 | Forward PE 13.05 | Enterprise Value 287472448 | Price to Sales(TTM) 2.6 |
Enterprise Value 287472448 | Price to Sales(TTM) 2.6 | ||
Enterprise Value to Revenue 3.82 | Enterprise Value to EBITDA - | Shares Outstanding 14175900 | Shares Floating 13322219 |
Shares Outstanding 14175900 | Shares Floating 13322219 | ||
Percent Insiders 6.21 | Percent Institutions 38.38 |
Upturn AI SWOT
LCNB Corporation
Company Overview
History and Background
LCNB Corporation was founded in 1877 in Lebanon, Ohio. Originally a small community bank, it has grown through organic expansion and strategic acquisitions to become a regional financial institution serving Southwest and South Central Ohio.
Core Business Areas
- Community Banking: Provides a range of banking services, including checking and savings accounts, loans, and mortgages, to individuals and small businesses.
- Commercial Banking: Offers specialized financial solutions for businesses, such as commercial lending, treasury management, and equipment financing.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a regional bank, with departments for retail banking, commercial lending, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including capital expenditures, working capital, and real estate. Market share data is proprietary. Competitors include larger national and regional banks like U.S. Bancorp and Fifth Third Bancorp.
- Residential Mortgages: Mortgage loans offered to individuals for home purchases. Market share data is proprietary. Competitors include Quicken Loans and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. Market share data is proprietary. Competitors include online banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and growing competition from fintech companies. Consolidation among community banks is also a notable trend.
Positioning
LCNB Corporation is positioned as a community-focused bank with a strong regional presence. Its competitive advantages include its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Southwest and South Central Ohio is estimated to be several billion dollars annually. LCNB Corporation's market share allows it to capture a portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Experienced management team
- High-quality loan portfolio
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on traditional banking services
- Higher expense ratio than peers.
Opportunities
- Expansion into new markets within Ohio
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- FITB
- FRME
Competitive Landscape
LCNB Corporation faces stiff competition from larger regional and national banks. Its advantages include its local market knowledge and customer relationships, while its disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Cincinnati Wealth Management
- Year: 2021
- Acquisition Price (USD millions): 35
- Strategic Rationale: Expanded wealth management capabilities and client base.
Growth Trajectory and Initiatives
Historical Growth: LCNB Corporation has experienced steady, albeit moderate, growth over the past decade, primarily driven by organic expansion and strategic acquisitions.
Future Projections: Analysts expect LCNB Corporation to continue to grow at a moderate pace, driven by increasing demand for banking services in its target markets and continued expansion of its wealth management business.
Recent Initiatives: Recent initiatives include investments in digital banking technologies, expansion of its commercial lending team, and the acquisition of a smaller wealth management firm.
Summary
LCNB Corporation is a stable regional bank with a strong presence in Ohio. The company has demonstrated consistent financial performance and shareholder returns but faces competition from larger institutions. While its local focus is a strength, limited geographic diversity presents a challenge. Continued investment in digital banking and strategic acquisitions could bolster future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Analyst Estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About LCNB Corporation
Exchange NASDAQ | Headquaters Lebanon, OH, United States | ||
IPO Launch date 1999-10-26 | President, CEO & Director Mr. Eric J. Meilstrup | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 346 | Website https://www.lcnb.com |
Full time employees 346 | Website https://www.lcnb.com | ||
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. The company offers checking and savings accounts; interest-bearing demand and money market deposit; and time certificates. It also provides commercial and industrial, commercial and residential real estate, agricultural, construction, various types of consumer, and small business administration loans; residential mortgage loans, such as loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages; and consumer lending comprising automobile, boat, home improvement, and personal loans. In addition, the company offers trust administration, estate settlement, and fiduciary services; and investment management of 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.
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