LCNB Corp. (LCNB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 71 | 72 | 75 | 72 | 81 | 92 | 96 | - |
| Operating profit | $m | 28 | 30 | ||||||
| Net profit | $m | 20 | 21 | 22 | 13 | 13 | 23 | 25 | 25 |
| EPS reported | $ | 1.63 | 1.73 | ||||||
| Operating cashflow per share | $ | 2.44 | 2.73 | ||||||
| Capex per share | $ | 0.07 | 0.17 | ||||||
| FCF per share | $ | 2.37 | 2.56 | ||||||
| Free cash flow | $m | 33 | 36 | ||||||
| Net debt | $m | -139 | -131 | ||||||
| Book value equity | $m | 274 | 281 | ||||||
| Book value per share | $ | 19.45 | 19.82 | ||||||
| Number of shares | m | 14.09 | 14.16 | ||||||
| DPS (TTM paid) | $ | 0.88 | 0.88 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.06 | 10.88 | ||||||
| P/B LTM | x | 0.84 | 0.82 | ||||||
| P/S LTM | x | 2.52 | 2.40 | ||||||
| P/FCF LTM | x | 6.90 | 6.37 | ||||||
| EV/EBITDA LTM | x | 11.47 | 10.15 | ||||||
| EV/Sales LTM | x | 2.66 | 2.95 | ||||||
| Earnings Yield LTM | % | +9.94% | +9.19% | ||||||
| FCF Yield | % | +14.48% | +15.70% | ||||||
| Quality | |||||||||
| ROE | % | +8.44% | +8.92% | ||||||
| ROIC | % | -41.75% | -1.75% | ||||||
| Operating margin | % | +22.66% | +24.42% | ||||||
| Gross margin | % | +72.26% | +73.86% | ||||||
| FCF/Sales | % | +26.91% | +29.10% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +68.04% | +78.35% | ||||||
| Sales Growth YoY | % | +12.95% | +18.68% | ||||||
| Net Income Growth YoY | % | +71.36% | +81.81% | ||||||
| FCF Growth | % | -62.61% | -59.46% | ||||||
| Operating Profit Growth | % | +76.38% | +90.66% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +5.40% | +4.43% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +54.32% | +51.34% | ||||||
| FCF/Debt | x | 0.28 | 0.35 | ||||||
| Net Debt/EBITDA | x | 3.46 | 2.60 | ||||||
| EBIT/Net interest | x | 0.87 | 1.08 | ||||||
| Net debt/market cap | % | +48.21% | +36.72% | ||||||
| Net debt/Equity | x | -0.51 | -0.47 | ||||||
| Gross debt/equity | x | 0.43 | 0.37 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
LCNB Corp. functions as the parent entity of LCNB National Bank, delivering comprehensive banking solutions across Ohio. The bank offers a variety of deposit options, such as checking, demand, savings, NOW, and money market accounts, alongside certificates of deposit. Its lending portfolio is extensive, covering commercial and industrial financing, real estate loans for both commercial and residential properties, agricultural loans, construction financing, and Small Business Administration (SBA) loans. Residential mortgage options are also available, encompassing loans for home purchases or refinancing, home equity lines of credit, and other consumer or commercial loans secured by residential real estate. Additionally, the institution provides various consumer credit facilities, including those for vehicles (automobiles, RVs, boats), home improvements, and personal needs. Beyond traditional banking, LCNB Corp. extends its services to include trust administration, estate settlement, and fiduciary responsibilities. It also offers investment management for a range of accounts, including trusts, agency accounts, individual retirement accounts (IRAs), and institutional funds like foundations and endowments. The company's investment division delivers a suite of products and services, such as financial needs assessments, mutual funds, securities trading, annuities, and life insurance, complemented by full-service security brokerage. To enhance convenience for both individual and business clients, LCNB Corp. provides a host of ancillary services. These include secure storage (safe deposit boxes, night depositories), transactional support (cashier's checks, bank-by-mail, ATMs, wire transfers, electronic funds transfer, cash and transaction services, debit cards), utility bill collection, notary public services, and sophisticated digital banking options like telephone banking, online (PC Internet) banking, and mobile banking, along with comprehensive cash management solutions. As of December 31, 2021, the company maintained a substantial presence with 32 physical locations throughout Ohio, featuring a main office and an operations center situated in Warren County. Its branch network extends across Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties. This physical infrastructure is further supported by 37 automated teller machines (ATMs). Established in 1877, LCNB Corp. has its headquarters located in Lebanon, Ohio.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
LCNB Corp. functions as the parent entity of LCNB National Bank, delivering comprehensive banking solutions across Ohio. The bank offers a variety of deposit options, such as checking, demand, savings, NOW, and money market accounts, alongside certificates of deposit. Its lending portfolio is extensive, covering commercial and industrial financing, real estate loans for both commercial and residential properties, agricultural loans, construction financing, and Small Business Administration (SBA) loans. Residential mortgage options are also available, encompassing loans for home purchases or refinancing, home equity lines of credit, and other consumer or commercial loans secured by residential real estate. Additionally, the institution provides various consumer credit facilities, including those for vehicles (automobiles, RVs, boats), home improvements, and personal needs. Beyond traditional banking, LCNB Corp. extends its services to include trust administration, estate settlement, and fiduciary responsibilities. It also offers investment management for a range of accounts, including trusts, agency accounts, individual retirement accounts (IRAs), and institutional funds like foundations and endowments. The company's investment division delivers a suite of products and services, such as financial needs assessments, mutual funds, securities trading, annuities, and life insurance, complemented by full-service security brokerage. To enhance convenience for both individual and business clients, LCNB Corp. provides a host of ancillary services. These include secure storage (safe deposit boxes, night depositories), transactional support (cashier's checks, bank-by-mail, ATMs, wire transfers, electronic funds transfer, cash and transaction services, debit cards), utility bill collection, notary public services, and sophisticated digital banking options like telephone banking, online (PC Internet) banking, and mobile banking, along with comprehensive cash management solutions. As of December 31, 2021, the company maintained a substantial presence with 32 physical locations throughout Ohio, featuring a main office and an operations center situated in Warren County. Its branch network extends across Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties. This physical infrastructure is further supported by 37 automated teller machines (ATMs). Established in 1877, LCNB Corp. has its headquarters located in Lebanon, Ohio.
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