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Upturn AI SWOT - About
LCNB 
LCNB Corporation (LCNB)
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Upturn Advisory Summary
08/28/2025: 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 -35.66% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 227.38M USD | Price to earnings Ratio 10.69 | 1Y Target Price 16.75 |
Price to earnings Ratio 10.69 | 1Y Target Price 16.75 | ||
Volume (30-day avg) 2 | Beta 0.67 | 52 Weeks Range 13.13 - 17.18 | Updated Date 08/28/2025 |
52 Weeks Range 13.13 - 17.18 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 5.49% | 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 10.69 | Forward PE 13.05 | Enterprise Value 288748288 | Price to Sales(TTM) 2.62 |
Enterprise Value 288748288 | Price to Sales(TTM) 2.62 | ||
Enterprise Value to Revenue 3.83 | 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 Corp. was founded in 1877 as The Lebanon Citizens National Bank. It evolved from a local bank to a regional financial services provider through organic growth and acquisitions.
Core Business Areas
- Community Banking: Offers traditional banking services including deposit accounts, loans, and wealth management solutions to individuals and businesses.
- Commercial Lending: Provides commercial loans and lines of credit to businesses of various sizes.
- Wealth Management: Offers wealth management, trust, and investment advisory services to individuals and families.
Leadership and Structure
Steve Foster serves as the President and CEO. The company operates under a traditional corporate structure with a Board of Directors and executive management team overseeing various business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes (equipment, real estate, working capital). No public data on specific market share. Competitors include larger regional banks (e.g., Fifth Third, Huntington).
- Residential Mortgages: Mortgage loans to individuals for home purchases. Competitors: National Mortgage lenders, large banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors: National banks (Chase, BOA), credit unions
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increasing regulatory scrutiny, and competition from fintech companies.
Positioning
LCNB Corp. positions itself as a community-focused bank with personalized service. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in LCNB's geographic footprint is large. LCNB captures a segment of the market, focusing on smaller businesses and individuals that value local, personalized service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to larger banks
- Reliance on traditional banking services
- Limited technology investment
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Partnerships with fintech companies
- Acquisition of smaller banks
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- FITB
- HWC
- OFG
Competitive Landscape
LCNB's competitive advantages are its local relationships and community focus. It lags behind larger regional banks in terms of scale and resources.
Growth Trajectory and Initiatives
Historical Growth: LCNB has experienced steady growth over the past decade, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued moderate growth for LCNB, driven by expanding market share and improved efficiency.
Recent Initiatives: Focus on digital banking initiatives, expansion into new markets within Ohio, and strategic acquisitions to boost growth.
Summary
LCNB is a relatively strong community bank demonstrating steady growth and stable financial performance. Its local presence and strong customer relationships are key assets. However, it faces competition from larger banks and Fintech and needs to continue investing in digital capabilities for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Third-party Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual due diligence and consultation with a financial professional. Financial data is 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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