LCNB Corp. Logo

LCNB Corp.

LCNB

(2.8)
Stock Price

15,78 USD

1.01% ROA

5.99% ROE

8.73x PER

Market Cap.

249.257.580,00 USD

73.98% DER

5.56% Yield

16.1% NPM

LCNB Corp. Stock Analysis

LCNB Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

LCNB Corp. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.83x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

ROE in an average range (9.56%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.01%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 DER

The stock maintains a fair debt to equity ratio (74%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (54), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

LCNB Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

LCNB Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

LCNB Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

LCNB Corp. Revenue
Year Revenue Growth
1998 15.430.000
1999 19.829.000 22.18%
2000 20.597.000 3.73%
2001 22.634.000 9%
2002 25.116.000 9.88%
2003 25.554.000 1.71%
2004 25.939.000 1.48%
2005 26.495.000 2.1%
2006 26.660.000 0.62%
2007 26.499.000 -0.61%
2008 29.382.000 9.81%
2009 33.567.000 12.47%
2010 34.586.000 2.95%
2011 33.470.000 -3.33%
2012 33.037.000 -1.31%
2013 38.522.000 14.24%
2014 45.029.000 14.45%
2015 49.454.000 8.95%
2016 50.066.000 1.22%
2017 50.067.000 0%
2018 57.672.000 13.19%
2019 64.889.000 11.12%
2020 70.138.000 7.48%
2021 69.510.000 -0.9%
2022 71.457.000 2.72%
2023 65.912.000 -8.41%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

LCNB Corp. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

LCNB Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 4.742.000 100%
2000 6.944.000 31.71%
2001 7.539.000 7.89%
2002 8.232.000 8.42%
2003 8.545.000 3.66%
2004 8.830.000 3.23%
2005 9.338.000 5.44%
2006 9.863.000 5.32%
2007 10.165.000 2.97%
2008 11.321.000 10.21%
2009 13.117.000 13.69%
2010 12.654.000 -3.66%
2011 13.268.000 4.63%
2012 12.484.000 -6.28%
2013 14.552.000 14.21%
2014 16.422.000 11.39%
2015 18.191.000 9.72%
2016 18.762.000 3.04%
2017 19.008.000 1.29%
2018 21.698.000 12.4%
2019 25.545.000 15.06%
2020 27.434.000 6.89%
2021 28.528.000 3.83%
2022 29.013.000 1.67%
2023 29.072.000 0.2%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

LCNB Corp. EBITDA
Year EBITDA Growth
1998 19.522.000
1999 22.978.000 15.04%
2000 25.282.000 9.11%
2001 25.138.000 -0.57%
2002 22.281.000 -12.82%
2003 21.060.000 -5.8%
2004 19.388.000 -8.62%
2005 20.557.000 5.69%
2006 23.163.000 11.25%
2007 23.913.000 3.14%
2008 24.345.000 1.77%
2009 22.546.000 -7.98%
2010 23.015.000 2.04%
2011 19.690.000 -16.89%
2012 19.026.000 -3.49%
2013 17.999.000 -5.71%
2014 19.836.000 9.26%
2015 22.021.000 9.92%
2016 22.986.000 4.2%
2017 24.151.000 4.82%
2018 28.292.000 14.64%
2019 24.068.000 -17.55%
2020 25.206.000 4.51%
2021 26.628.000 5.34%
2022 34.401.000 22.6%
2023 20.528.000 -67.58%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

LCNB Corp. Gross Profit
Year Gross Profit Growth
1998 15.430.000
1999 19.829.000 22.18%
2000 20.597.000 3.73%
2001 22.634.000 9%
2002 25.116.000 9.88%
2003 25.554.000 1.71%
2004 25.939.000 1.48%
2005 26.495.000 2.1%
2006 26.660.000 0.62%
2007 26.499.000 -0.61%
2008 29.382.000 9.81%
2009 33.567.000 12.47%
2010 34.586.000 2.95%
2011 33.470.000 -3.33%
2012 33.037.000 -1.31%
2013 37.420.000 11.71%
2014 43.525.000 14.03%
2015 47.914.000 9.16%
2016 49.345.000 2.9%
2017 49.495.000 0.3%
2018 57.092.000 13.31%
2019 64.889.000 12.02%
2020 70.138.000 7.48%
2021 69.510.000 -0.9%
2022 71.457.000 2.72%
2023 65.912.000 -8.41%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

LCNB Corp. Net Profit
Year Net Profit Growth
1998 5.460.000
1999 5.548.000 1.59%
2000 5.240.000 -5.88%
2001 6.067.000 13.63%
2002 6.540.000 7.23%
2003 6.737.000 2.92%
2004 6.596.000 -2.14%
2005 6.705.000 1.63%
2006 6.514.000 -2.93%
2007 5.954.000 -9.41%
2008 6.603.000 9.83%
2009 7.766.000 14.98%
2010 9.373.000 17.14%
2011 8.115.000 -15.5%
2012 8.270.000 1.87%
2013 8.780.000 5.81%
2014 9.869.000 11.03%
2015 11.474.000 13.99%
2016 12.482.000 8.08%
2017 12.972.000 3.78%
2018 14.845.000 12.62%
2019 18.912.000 21.5%
2020 20.075.000 5.79%
2021 20.974.000 4.29%
2022 22.128.000 5.22%
2023 16.280.000 -35.92%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

LCNB Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 1
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 100%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 2 0%
2021 2 0%
2022 2 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

LCNB Corp. Free Cashflow
Year Free Cashflow Growth
1999 6.175.000
2000 4.665.000 -32.37%
2001 6.712.000 30.5%
2002 7.313.000 8.22%
2003 8.619.000 15.15%
2004 8.920.000 3.37%
2005 6.755.000 -32.05%
2006 7.643.000 11.62%
2007 5.478.000 -39.52%
2008 5.897.000 7.11%
2009 7.412.000 20.44%
2010 12.353.000 40%
2011 8.079.000 -52.9%
2012 10.511.000 23.14%
2013 9.588.000 -9.63%
2014 14.888.000 35.6%
2015 12.735.000 -16.91%
2016 6.034.000 -111.05%
2017 11.518.000 47.61%
2018 19.142.000 39.83%
2019 18.034.000 -6.14%
2020 10.887.000 -65.65%
2021 15.881.000 31.45%
2022 24.358.000 34.8%
2023 113.000 -21455.75%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

LCNB Corp. Operating Cashflow
Year Operating Cashflow Growth
1999 6.810.000
2000 7.732.000 11.92%
2001 8.927.000 13.39%
2002 8.374.000 -6.6%
2003 10.013.000 16.37%
2004 10.226.000 2.08%
2005 8.445.000 -21.09%
2006 8.280.000 -1.99%
2007 7.731.000 -7.1%
2008 8.413.000 8.11%
2009 8.734.000 3.68%
2010 13.800.000 36.71%
2011 10.657.000 -29.49%
2012 10.989.000 3.02%
2013 10.446.000 -5.2%
2014 15.940.000 34.47%
2015 13.239.000 -20.4%
2016 15.484.000 14.5%
2017 18.135.000 14.62%
2018 19.742.000 8.14%
2019 21.968.000 10.13%
2020 13.678.000 -60.61%
2021 17.821.000 23.25%
2022 25.242.000 29.4%
2023 113.000 -22238.05%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

LCNB Corp. Capital Expenditure
Year Capital Expenditure Growth
1999 635.000
2000 3.067.000 79.3%
2001 2.215.000 -38.47%
2002 1.061.000 -108.77%
2003 1.394.000 23.89%
2004 1.306.000 -6.74%
2005 1.690.000 22.72%
2006 637.000 -165.31%
2007 2.253.000 71.73%
2008 2.516.000 10.45%
2009 1.322.000 -90.32%
2010 1.447.000 8.64%
2011 2.578.000 43.87%
2012 478.000 -439.33%
2013 858.000 44.29%
2014 1.052.000 18.44%
2015 504.000 -108.73%
2016 9.450.000 94.67%
2017 6.617.000 -42.81%
2018 600.000 -1002.83%
2019 3.934.000 84.75%
2020 2.791.000 -40.95%
2021 1.940.000 -43.87%
2022 884.000 -119.46%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

LCNB Corp. Equity
Year Equity Growth
1998 42.335.000
1999 42.987.000 1.52%
2000 46.310.000 7.18%
2001 49.507.000 6.46%
2002 51.930.000 4.67%
2003 52.448.000 0.99%
2004 52.296.000 -0.29%
2005 52.022.000 -0.53%
2006 50.999.000 -2.01%
2007 56.528.000 9.78%
2008 58.116.000 2.73%
2009 65.615.000 11.43%
2010 70.707.000 7.2%
2011 77.960.000 9.3%
2012 82.006.000 4.93%
2013 118.873.000 31.01%
2014 125.695.000 5.43%
2015 140.108.000 10.29%
2016 142.944.000 1.98%
2017 150.271.000 4.88%
2018 218.985.000 31.38%
2019 228.048.000 3.97%
2020 240.825.000 5.31%
2021 238.604.000 -0.93%
2022 200.675.000 -18.9%
2023 201.349.000 0.33%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

LCNB Corp. Assets
Year Assets Growth
1998 432.364.000
1999 438.979.000 1.51%
2000 451.000.000 2.67%
2001 480.435.000 6.13%
2002 506.751.000 5.19%
2003 523.608.000 3.22%
2004 522.251.000 -0.26%
2005 539.501.000 3.2%
2006 548.215.000 1.59%
2007 604.058.000 9.24%
2008 649.731.000 7.03%
2009 734.409.000 11.53%
2010 760.134.000 3.38%
2011 791.570.000 3.97%
2012 788.637.000 -0.37%
2013 932.338.000 15.41%
2014 1.108.066.000 15.86%
2015 1.280.531.000 13.47%
2016 1.306.799.000 2.01%
2017 1.295.638.000 -0.86%
2018 1.636.927.000 20.85%
2019 1.639.308.000 0.15%
2020 1.745.884.000 6.1%
2021 1.903.629.000 8.29%
2022 1.919.121.000 0.81%
2023 1.981.668.000 3.16%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

LCNB Corp. Liabilities
Year Liabilities Growth
1998 390.029.000
1999 395.992.000 1.51%
2000 404.690.000 2.15%
2001 430.928.000 6.09%
2002 454.821.000 5.25%
2003 471.160.000 3.47%
2004 469.955.000 -0.26%
2005 487.479.000 3.59%
2006 497.216.000 1.96%
2007 547.530.000 9.19%
2008 591.615.000 7.45%
2009 668.794.000 11.54%
2010 689.427.000 2.99%
2011 713.610.000 3.39%
2012 706.631.000 -0.99%
2013 813.465.000 13.13%
2014 982.371.000 17.19%
2015 1.140.423.000 13.86%
2016 1.163.855.000 2.01%
2017 1.145.367.000 -1.61%
2018 1.417.942.000 19.22%
2019 1.411.260.000 -0.47%
2020 1.505.059.000 6.23%
2021 1.665.025.000 9.61%
2022 1.718.446.000 3.11%
2023 1.780.319.000 3.48%

LCNB Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.19
Net Income per Share
1.75
Price to Earning Ratio
8.73x
Price To Sales Ratio
3.65x
POCF Ratio
12.04
PFCF Ratio
19.81
Price to Book Ratio
0.84
EV to Sales
5.19
EV Over EBITDA
11.84
EV to Operating CashFlow
25.3
EV to FreeCashFlow
28.2
Earnings Yield
0.11
FreeCashFlow Yield
0.05
Market Cap
0,25 Bil.
Enterprise Value
0,35 Bil.
Graham Number
26.81
Graham NetNet
-131.93

Income Statement Metrics

Net Income per Share
1.75
Income Quality
0.92
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.83
EBT Per Ebit
0.77
Ebit per Revenue
0.25
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.43
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.25
Pretax Profit Margin
0.19
Net Profit Margin
0.16

Dividends

Dividend Yield
0.06
Dividend Yield %
5.56
Payout Ratio
0.37
Dividend Per Share
0.85

Operating Metrics

Operating Cashflow per Share
1.27
Free CashFlow per Share
1.14
Capex to Operating CashFlow
-0.1
Capex to Revenue
-0.02
Capex to Depreciation
-0.65
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
43.17
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
8.46
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.13

Balance Sheet

Cash per Share
28,80
Book Value per Share
18,24
Tangible Book Value per Share
12.75
Shareholders Equity per Share
18.24
Interest Debt per Share
14.95
Debt to Equity
0.74
Debt to Assets
0.08
Net Debt to EBITDA
3.52
Current Ratio
10.87
Tangible Asset Value
0,14 Bil.
Net Current Asset Value
-1,45 Bil.
Invested Capital
0.74
Working Capital
0,30 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.6

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

LCNB Corp. Dividends
Year Dividends Growth
2000 1
2001 2 100%
2002 2 50%
2003 2 0%
2004 1 -100%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

LCNB Corp. Profile

About LCNB Corp.

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. Its deposit products include checking accounts, demand deposits, savings accounts, NOW and money market deposits, as well as certificates of deposit. The company's loan products comprise commercial and industrial, commercial and residential real estate, agricultural, construction, and small business administration loans; and residential mortgage loans that consists of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. It also offers consumer loans, such as automobile, recreational vehicles, boat, home improvement, and personal loans. In addition, the company provides trust administration, estate settlement, and fiduciary services; and investment management services for 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. As of December 31, 2021, it operated 32 offices, including a main office in Warren County; branch offices in Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties; and an operations center in Warren County, Ohio, as well as 37 ATMs. The company was founded in 1877 and is headquartered in Lebanon, Ohio.

CEO
Mr. Eric J. Meilstrup
Employee
345
Address
2 North Broadway
Lebanon, 45036

LCNB Corp. Executives & BODs

LCNB Corp. Executives & BODs
# Name Age
1 Mr. Michael Lavatori
Investment Representative
70
2 Mr. Eric J. Meilstrup
President, Chief Executive Officer & Director
70
3 Mr. William H. Kaufman
Assistant Secretary for the Board & Director
70
4 Mr. Robert C. Haines II
Executive Vice President & Chief Financial Officer
70
5 Mr. Bradley Austin Ruppert
Executive Vice President, Trust Officer & Chief Investment Officer
70

LCNB Corp. Competitors