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Upturn AI Summary - About
LCNB Corporation(LCNB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LCNB
11/02/2026: LCNB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
LCNB Corporation is a long-standing regional bank holding company based in Ohio, offering traditional retail and commercial banking services. The company is known for its conservative approach to lending and commitment to consistent dividend payments, making it a potential fit for income-oriented investors. While it holds a stable position in its local markets, it faces significant risks from geographic concentration and competitive pressures from larger financial institutions. The primary growth story revolves around digital optimization and selective regional expansion. Investors should monitor shifts in interest rate policy and regional economic health, as these factors materially impact the company's net interest margins and asset quality.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | LCNB is a mature regional bank focused on stability rather than high-growth scaling. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and steady, low-beta price movement. |
| Value investor | Mixed fit | The stock may offer value if trading below book value, though growth prospects are modest. |
| Dividend investor | Strong fit | The company has a consistent history of paying dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | The conservative nature of the business model appeals to investors prioritizing capital preservation. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock generally exhibits less fluctuation compared to the broader market. |
| Valuation risk | Medium | Investors must ensure the entry price aligns with fundamental book value and earnings. |
| Competition risk (Banking) | Medium / high | Intense competition from larger banks can squeeze margins and market share. |
| Business quality | Medium | The business is sensitive to macroeconomic cycles and interest rate policy. |
| Dividend income | Medium | Dividend reliability depends on maintaining healthy earnings and regulatory capital levels. |
| Execution risk | Low | The company has a long track record of operational stability in its core market. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -21.37% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 281.11M USD | Price to earnings Ratio 11.27 | 1Y Target Price 20.83 |
Price to earnings Ratio 11.27 | 1Y Target Price 20.83 | ||
Volume (30-day avg) 26.5K shares | Beta 0.58 | 52 Weeks Range 14.40 - 21.08 | Updated Date 11/01/2026 |
52 Weeks Range 14.40 - 21.08 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 4.42% | Basic EPS (TTM) 1.75 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the bank's primary profit source, fluctuating with interest rates. |
| Non-Interest Income | Trust services, service charges on deposits, and other fees. | These fees provide a steady stream of revenue that does not depend on interest rates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When After Market | Estimate 0.48 | Actual 0.51 |
Profitability
Profit Margin 26.78% | Operating Margin (TTM) 38.57% |
Management Effectiveness
Return on Assets (TTM) 1.1% | Return on Equity (TTM) 9.02% |
Valuation
Trailing PE 11.27 | Forward PE 13.05 | Enterprise Value 308.96M | Price to Sales(TTM) 3.02 |
Enterprise Value 308.96M | Price to Sales(TTM) 3.02 | ||
Enterprise Value to Revenue 3.92 | Enterprise Value to EBITDA - | Shares Outstanding 14.25M | Shares Floating 13.45M |
Shares Outstanding 14.25M | Shares Floating 13.45M | ||
Percent Insiders 5.67 | Percent Institutions 51.58 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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