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LCNB 
LCNB Corporation (LCNB)
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Upturn Advisory Summary
11/13/2025: 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 -40.3% | Avg. Invested days 25 | 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 11/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 224.86M USD | Price to earnings Ratio 9.27 | 1Y Target Price 16.75 |
Price to earnings Ratio 9.27 | 1Y Target Price 16.75 | ||
Volume (30-day avg) 2 | Beta 0.57 | 52 Weeks Range 12.95 - 16.93 | Updated Date 11/14/2025 |
52 Weeks Range 12.95 - 16.93 | Updated Date 11/14/2025 | ||
Dividends yield (FY) 5.65% | Basic EPS (TTM) 1.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.43 | Actual 0.49 |
Profitability
Profit Margin 26.41% | Operating Margin (TTM) 38.44% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 9.02% |
Valuation
Trailing PE 9.27 | Forward PE 13.05 | Enterprise Value 300222336 | Price to Sales(TTM) 2.52 |
Enterprise Value 300222336 | Price to Sales(TTM) 2.52 | ||
Enterprise Value to Revenue 3.65 | Enterprise Value to EBITDA - | Shares Outstanding 14186645 | Shares Floating 13333035 |
Shares Outstanding 14186645 | Shares Floating 13333035 | ||
Percent Insiders 6.28 | Percent Institutions 39.09 |
Upturn AI SWOT
LCNB Corporation
Company Overview
History and Background
LCNB Corporation was founded in 1877 as the Lebanon Citizens National Bank. Over the years, it has expanded its operations and service offerings, evolving from a local bank into a regional financial services provider.
Core Business Areas
- Community Banking: Offers a range of deposit and loan products to individuals and small businesses, including checking and savings accounts, mortgages, and commercial loans.
- Wealth Management: Provides investment management, trust administration, and financial planning services to individuals, families, and institutions.
Leadership and Structure
LCNB Corporation is led by its executive management team, headed by the CEO, and overseen by a board of directors. The organizational structure is designed to support its community banking and wealth management operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available. Competitors include larger national and regional banks like Fifth Third Bancorp (FITB) and U.S. Bancorp (USB).
- Residential Mortgages: Mortgages for home purchase or refinance. Market share data is not publicly available. Competitors include Quicken Loans and Chase (JPM).
- Deposit Accounts: Checking and savings accounts offered to consumers and businesses. Competitors include Huntington Bank and PNC.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Community banks like LCNB face increasing competition from larger institutions and fintech companies.
Positioning
LCNB Corporation positions itself as a relationship-focused community bank, emphasizing personalized service and local decision-making. Its competitive advantage lies in its deep roots in the communities it serves.
Total Addressable Market (TAM)
The TAM for community banking in LCNB's operating region is estimated in the billions of dollars. LCNB is positioned to capture a portion of this TAM through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Established customer relationships
- Experienced management team
- Conservative credit culture
Weaknesses
- Limited geographic reach compared to larger banks
- Lower economies of scale
- Dependence on local economy
- Limited marketing budget
Opportunities
- Expansion into adjacent markets
- Increased focus on digital banking
- Strategic acquisitions of smaller banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FITB
- USB
- PBCT
- FFBC
Competitive Landscape
LCNB faces competition from larger regional and national banks with greater resources and brand recognition. Its advantage lies in its local presence and customer relationships.
Major Acquisitions
Cardinal Bancorp
- Year: 2016
- Acquisition Price (USD millions): 32.8
- Strategic Rationale: Expanded LCNB's footprint in central Ohio.
Growth Trajectory and Initiatives
Historical Growth: LCNB's historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is projected to be moderate, with opportunities for expansion in key markets.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
LCNB Corporation is a community bank with a strong local presence, but faces competition from larger institutions. Its strengths lie in its customer relationships and conservative credit culture. Areas for improvement include expanding its digital capabilities and increasing its geographic reach. External threats include rising interest rates and economic downturns.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise.
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 | 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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