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LCNB CORP

Data quality: 83%
LCNB
Nasdaq Financial Services Depository Institutions
$17.16
▲ $0.34 (2.02%)
Mkt Cap: 244.32 M
Price
$17.16
Mkt Cap
244.32 M
Day Range
$16.68 — $17.17
52-Week Range
$13.35 — $17.89
Volume
11,179
Open $16.68
50D / 200D Avg
$16.76
2.40% above
50D / 200D Avg
$15.90
7.91% above

Quick Summary

Key Takeaways

Earnings grew 71.36% over the past year
Debt/Equity of 0.39 — conservative balance sheet
Generating 33.44 M in free cash flow
P/E of 10.57 — trading at a low valuation
Cash machine — converts 144.62% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)71.36%
FCF Growth (3Y)35.93%

Quality

Return on Equity
8.67%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.39
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
10.57
Below sector avg (11.15)
P/B Ratio0.91
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2153 peers)
Metric Stock Sector Median
P/E 10.6 11.1
P/B 0.9 1.2
ROE % 8.7 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 0.4 0.5

ETFs Holding This Stock

BOSVX BOSVX
0.06% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.06% weight
DHS logo DHS WisdomTree U.S. High Dividend Fund
0.01% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 71.36% Earnings Growth (3Y) 35.31%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 2.47%
Profitability
Revenue (TTM) N/A Net Income (TTM) 23.12 M
ROE 8.67% ROA 1.02%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 33.44 M
ROIC N/A FCF Growth (3Y) 35.93%
Safety
Debt / Equity 0.39 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 169.88 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 10.57 Forward P/E N/A
P/B Ratio 0.91 P/S Ratio N/A
PEG Ratio 4.28 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 13.69%
Market Cap 244.32 M Enterprise Value 313.18 M
Per Share
EPS (Diluted TTM) 1.63 Revenue / Share N/A
FCF / Share 2.35 OCF / Share 2.42
EPS CAGR (1Y) 68.04% EPS CAGR (5Y) -0.45%
EPS CAGR (10Y) 2.99%
Efficiency
CapEx / Revenue N/A FCF Conversion 144.62%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 23.12 M 13.49 M 12.63 M 22.13 M 20.97 M
EPS (Diluted) 1.63 0.97 1.10 1.93 1.66
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — 1.93 M
Interest Expense 70.22 M 60.80 M 23.25 M 4.71 M 4.05 M
Income Tax 5.03 M 2.47 M 2.63 M 4.82 M 4.61 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.24 B 2.31 B 2.29 B 1.92 B 1.90 B
Total Liabilities 1.97 B 2.05 B 2.06 B 1.72 B 1.67 B
Shareholders' Equity 273.93 M 253.04 M 235.30 M 200.68 M 238.60 M
Total Debt 104.43 M 155.15 M 210.52 M 90.53 M —
Cash & Equivalents 21.61 M 35.74 M 39.72 M 22.70 M 18.14 M
Current Assets — — — — —
Current Liabilities — — — — —