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Upturn AI SWOT - About
LCNB Corporation (LCNB)
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Upturn Advisory Summary
07/11/2025: 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
1 Year Target Price $16
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.94% | Avg. Invested days 26 | 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 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 218.60M USD | Price to earnings Ratio 13.37 | 1Y Target Price 16 |
Price to earnings Ratio 13.37 | 1Y Target Price 16 | ||
Volume (30-day avg) 2 | Beta 0.59 | 52 Weeks Range 12.51 - 17.18 | Updated Date 07/12/2025 |
52 Weeks Range 12.51 - 17.18 | Updated Date 07/12/2025 | ||
Dividends yield (FY) 6.02% | Basic EPS (TTM) 1.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.53% | Operating Margin (TTM) 29.52% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 6.57% |
Valuation
Trailing PE 13.37 | Forward PE 13.05 | Enterprise Value 278868736 | Price to Sales(TTM) 2.64 |
Enterprise Value 278868736 | Price to Sales(TTM) 2.64 | ||
Enterprise Value to Revenue 3.87 | Enterprise Value to EBITDA - | Shares Outstanding 14167400 | Shares Floating 13313840 |
Shares Outstanding 14167400 | Shares Floating 13313840 | ||
Percent Insiders 6.21 | Percent Institutions 38.01 |
Upturn AI SWOT
LCNB Corporation
Company Overview
History and Background
LCNB Corporation was founded in 1877 as The Lebanon Citizens National Bank, providing financial services to Lebanon, Ohio and surrounding areas. It has grown through organic expansion and acquisitions to become a regional community bank holding company.
Core Business Areas
- Community Banking: Provides a range of banking services including commercial and retail lending, deposit accounts, and wealth management services to individuals, small businesses, and commercial clients.
- Wealth Management: Offers trust and investment services, financial planning, and estate planning services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is typical of a community bank holding company, with various departments overseeing lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial real estate loans, business term loans, and lines of credit. Market share is regional; difficult to precisely quantify. Competitors include other regional banks and national players such as US Bancorp (USB) and Fifth Third Bancorp (FITB).
- Residential Mortgages: Fixed-rate and adjustable-rate mortgages for home purchase and refinancing. Market share is regional; difficult to precisely quantify. Competitors include other regional banks and mortgage brokers such as Rocket Companies (RKT).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is regional; difficult to precisely quantify. Competitors include other regional banks and online banks like Ally Financial (ALLY).
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks face challenges in keeping up with technology and attracting younger customers.
Positioning
LCNB Corporation is a community bank focusing on relationship banking and serving local communities. Its competitive advantages include its local market knowledge, strong customer relationships, and efficient operations.
Total Addressable Market (TAM)
The TAM for community banking in LCNB's region is estimated to be several billion dollars annually. LCNB is positioned to capture a portion of this market through its local presence and relationship-focused approach.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Efficient operations
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Less brand recognition than national banks
- Limited technology investment compared to larger banks
Opportunities
- Expansion into adjacent markets
- Increased demand for community banking services
- Acquisition of smaller banks
- Development of new technology solutions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in local markets
- Increased regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- FITB
- FFBC
- ONB
Competitive Landscape
LCNB faces stiff competition from larger national and regional banks. Its strength lies in its community focus, while its weakness is its smaller scale and limited resources compared to the competition.
Major Acquisitions
Cardington Bancshares, Inc.
- Year: 2019
- Acquisition Price (USD millions): 26.3
- Strategic Rationale: Expanded LCNB's presence in the central Ohio market and increased its deposit base.
Growth Trajectory and Initiatives
Historical Growth: Discuss LCNB Corporation's growth trends over the past years.
Future Projections: Provide projections for LCNB Corporation's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by LCNB Corporation.
Summary
LCNB Corporation is a stable community bank with a strong local presence, but it faces challenges from larger competitors and changing market dynamics. Its strength lies in its customer relationships and efficient operations, while its weaknesses include its limited geographic reach and smaller scale. LCNB must adapt to the changing landscape by investing in technology and expanding its services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance may 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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