Obermatt
See Similar Stocks →

LCNB

NAQ:LCNB · US50181P1003
BanksX-Small

360

47
Profit price78
Cash yield97
Price/Sales55
EV / Gross Profit32
Price/Book89
Returns on capital34
Profit margins—
Cash Conversion77
Accruals91
Owner Earnings Margin47
Sales growth55
Profit Growth19
Owner Earnings Growth44
Reinvestment40
Price momentum23
Debt load14
Debt serviceability35
Liquidity67
Analyst ratings1
Opinion Changes50
Price Target Upside31
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

LCNB clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQCM
Founded1998
Websitelcnbcorp.com
ISINUS50181P1003
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

LCNB Corp. operates as the holding company for LCNB National Bank, which provides full banking services, including Wealth Management and Investment services, to customers primarily in Southwestern Ohio, Franklin County Ohio, and contiguous areas. Lo…

Analysis

Bargain bin

LCNB Corp. is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.0×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
19
2023202420252026

All-time high

100

Jan 2024

All-time low

19

Jun 2026

Average rank

56

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
55
45
14
62
Price/Earnings
80
93
80
43
Price/Book
89
79
56
81
Dividend Yield
97
96
94
95
Value (overall)
94
98
65
79

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare LCNB with its peers
MidWestOne
NSQ:MOFG
80
CountryUSA
IndustryBanks
SizeSmall
Full Stock Analysis →
Oak Valley
NAQ:OVLY
57
CountryUSA
IndustryBanks
SizeSmall
Full Stock Analysis →
BCB
NMQ:BCBP
18
CountryUSA
IndustryBanks
SizeSmall
Full Stock Analysis →
CTBI
NSQ:CTBI
79
CountryUSA
IndustryBanks
SizeSmall
Full Stock Analysis →
Investar
NMQ:ISTR
80
CountryUSA
IndustryBanks
SizeX-Small
Full Stock Analysis →
Nicolet Bankshares
NYQ:NIC
94
CountryUSA
IndustryBanks
SizeSmall
Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →