Symbols / LCNB Stock $16.34 +1.74% LCNB Corp.

Financial Services • Banks - Regional • United States • NCM
LCNB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Eric J. Meilstrup
Exch · Country NCM · United States
Market Cap 232.78M
Enterprise Value 311.78M
Income 22.82M
Sales 89.94M
FCF (ttm) —
Book/sh 19.30
Cash/sh 2.24
Employees 328
Insider 10d —
IPO Oct 26, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 54.66%
P/E 10.15
Forward P/E 9.03
PEG —
P/S 2.59
P/B 0.85
P/C —
EV/EBITDA —
EV/Sales 3.47
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.61
EPS next Y 1.81
EPS Growth -4.90%
Revenue Growth -0.60%
EPS Gr Q/Q -3.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 1.01%
ROE 8.59%
ROIC —
Gross Margin 0.00%
Oper. Margin 27.46%
Profit Margin 25.52%
Shs Outstand 14.25M
Shs Float 13.44M
Insider Own 5.65%
Instit Own 39.97%
Short Float 0.56%
Short Ratio 2.27
Short Interest 74.91K
52W High 17.89
vs 52W High -8.66%
52W Low 13.75
vs 52W Low 18.84%
Beta 0.59
Impl. Vol. 29.30%
Rel Volume 0.63
Avg Volume 27.03K
Volume 17.07K
Target (mean) $17.50
Tgt Median $17.50
Tgt Low $17.00
Tgt High $18.00
# Analysts 2
Recom Hold
Prev Close $16.06
Price $16.34
Change 1.74%
About

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. It offers checking and savings accounts; interest-bearing demand and money market deposit; and time certificates. The company 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, it offers trust administration, estate settlement, and fiduciary services; and investment management of trusts, agency accounts, individual retirement accounts, and foundations/endowments. Further, the company offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services. Additionally, it 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$17.50
Mean price target
2. Current target
$16.34
Latest analyst target
3. DCF / Fair value
$24.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$16.34
Low
$17.00
High
$18.00
Mean
$17.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2022-11-30 init Janney Montgomery Scott — → Neutral $19
2021-01-12 up Boenning & Scattergood Neutral → Outperform —
2016-10-11 down FBR Capital Outperform → Market Perform —
2014-04-28 up FBR Capital Market Perform → Outperform $19
2014-02-03 init FBR Capital — → Market Perform $19
News
RSS: Latest LCNB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-23 RUPPERT BRADLEY AUSTIN Chief Investment Officer — 2,511 $17.46 $43,842
2026-02-23 JOHRENDT MICHAEL J. Director — 974 $17.46 $17,006
2026-02-23 BRADFORD MARY E Director — 974 $17.46 $17,006
2026-02-23 MULLIGAN LAWRENCE P. JR. Officer — 2,392 $17.46 $41,764
2026-02-23 JOHNSON CRAIG MILLIS Director — 974 $17.46 $17,006
2026-02-23 LAWSON TAKEITHA W. Director — 974 $17.46 $17,006
2026-02-23 WALLACE ANDREW MICHAEL Chief Financial Officer — 1,870 $17.46 $32,650
2026-02-23 MEEKER JEFFREY D Officer — 2,099 $17.46 $36,649
2026-02-23 FOSTER STEVE P Director — 974 $17.46 $17,006
2026-02-23 CROPPER SPENCER S Chairman of the Board — 974 $17.46 $17,006
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
92.00
+13.30%
81.20
+13.15%
71.76
-4.74%
75.33
Operating Revenue
92.00
+13.30%
81.20
+13.15%
71.76
-4.74%
75.33
Selling General And Administration
38.21
+0.25%
38.11
+22.39%
31.14
+3.13%
30.20
Selling And Marketing Expense
1.22
+16.81%
1.05
-4.90%
1.10
-7.01%
1.18
General And Administrative Expense
36.98
-0.22%
37.06
+23.39%
30.04
+3.54%
29.01
Salaries And Wages
35.50
+0.93%
35.17
+20.83%
29.11
+2.19%
28.48
Other Gand A
—
—
—
—
Reconciled Depreciation
0.67
+10.60%
0.60
-79.79%
2.99
+8.93%
2.74
Total Unusual Items
-0.14
+95.93%
-3.44
+26.07%
-4.66
0.00
Total Unusual Items Excluding Goodwill
-0.14
+95.93%
-3.44
+26.07%
-4.66
0.00
Special Income Charges
-0.14
+95.93%
-3.44
+26.07%
-4.66
0.00
Restructuring And Mergern Acquisition
0.14
-95.93%
3.44
-26.07%
4.66
0.00
Net Income
23.12
+71.36%
13.49
+6.84%
12.63
-42.93%
22.13
Pretax Income
28.15
+76.38%
15.96
+4.59%
15.26
-43.37%
26.95
Net Interest Income
70.05
+15.57%
60.61
+7.90%
56.17
-7.85%
60.96
Interest Expense
32.52
-26.45%
44.22
+90.19%
23.25
+393.53%
4.71
Interest Income
102.57
-2.15%
104.83
+31.99%
79.42
+20.95%
65.67
Gain On Sale Of Security
0.00
+100.00%
-0.21
0.00
0.00
Tax Provision
5.03
+103.81%
2.47
-6.19%
2.63
-45.37%
4.82
Tax Rate For Calcs
0.00
+15.48%
0.00
-9.88%
0.00
-3.91%
0.00
Tax Effect Of Unusual Items
-0.03
+95.30%
-0.53
+33.38%
-0.80
0.00
Net Income Including Noncontrolling Interests
23.12
+71.36%
13.49
+6.84%
12.63
-42.93%
22.13
Net Income From Continuing Operation Net Minority Interest
23.12
+71.36%
13.49
+6.84%
12.63
-42.93%
22.13
Net Income From Continuing And Discontinued Operation
23.12
+71.36%
13.49
+6.84%
12.63
-42.93%
22.13
Net Income Continuous Operations
23.12
+71.36%
13.49
+6.84%
12.63
-42.93%
22.13
Normalized Income
23.23
+41.67%
16.40
-0.50%
16.48
-25.51%
22.13
Net Income Common Stockholders
22.99
+71.43%
13.41
+6.92%
12.54
-43.03%
22.01
Otherunder Preferred Stock Dividend
0.13
+59.76%
0.08
-4.65%
0.09
-24.56%
0.11
Diluted EPS
—
0.97
-11.82%
1.10
-43.01%
1.93
Basic EPS
—
0.97
-11.82%
1.10
-43.01%
1.93
Basic Average Shares
—
13.85
+21.30%
11.42
+0.06%
11.41
Diluted Average Shares
—
13.85
+21.30%
11.42
+0.06%
11.41
Diluted NI Availto Com Stockholders
22.99
+71.43%
13.41
+6.92%
12.54
-43.03%
22.01
Amortization
1.07
-5.87%
1.14
+114.66%
0.53
+11.30%
0.48
Amortization Of Intangibles Income Statement
1.07
-5.87%
1.14
+114.66%
0.53
+11.30%
0.48
Depreciation Amortization Depletion Income Statement
1.07
-5.87%
1.14
+114.66%
0.53
+11.30%
0.48
Depreciation And Amortization In Income Statement
1.07
-5.87%
1.14
+114.66%
0.53
+11.30%
0.48
Insurance And Claims
1.49
-21.53%
1.90
+103.33%
0.93
+75.85%
0.53
Occupancy And Equipment
5.50
+3.60%
5.31
+7.97%
4.92
+4.71%
4.70
Other Non Interest Expense
16.99
+11.24%
15.27
+15.89%
13.18
+3.24%
12.76
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,240.77
-2.89%
2,307.39
+0.69%
2,291.59
+19.39%
1,919.40
Cash And Cash Equivalents
24.32
-32.42%
35.99
-9.39%
39.72
+74.98%
22.70
Cash Financial
18.35
-10.00%
20.39
-25.24%
27.28
+34.74%
20.24
Other Short Term Investments
89.14
-65.49%
258.33
-6.61%
276.60
-4.57%
289.85
Receivables
7.97
-8.42%
8.70
+3.52%
8.40
+12.34%
7.48
Accounts Receivable
7.97
-8.42%
8.70
+3.52%
8.40
+12.34%
7.48
Net PPE
45.67
-2.48%
46.83
+10.71%
42.30
+6.91%
39.57
Gross PPE
78.02
+1.12%
77.16
+8.95%
70.82
+6.15%
66.72
Accumulated Depreciation
-32.35
-6.68%
-30.33
-6.34%
-28.52
-5.03%
-27.15
Land And Improvements
9.10
-1.67%
9.26
+5.31%
8.79
+6.90%
8.22
Buildings And Improvements
42.17
-0.81%
42.52
+31.55%
32.32
+7.21%
30.15
Machinery Furniture Equipment
20.21
+3.20%
19.59
+5.49%
18.57
+7.54%
17.27
Construction In Progress
0.06
+306.67%
0.01
-99.71%
5.14
+12.83%
4.56
Other Properties
6.47
+11.93%
5.79
-3.58%
6.00
-8.05%
6.53
Goodwill And Other Intangible Assets
99.58
-1.81%
101.41
+13.94%
89.00
+45.79%
61.05
Goodwill
90.31
+0.00%
90.31
+13.58%
79.51
+34.26%
59.22
Other Intangible Assets
9.27
-16.51%
11.10
+16.96%
9.49
+419.65%
1.83
Investments And Advances
253.45
-9.38%
279.68
-6.29%
298.46
-4.98%
314.10
Total Liabilities Net Minority Interest
1,966.84
-4.26%
2,054.36
-0.09%
2,056.29
+19.64%
1,718.72
Payables And Accrued Expenses
—
—
—
16.58
Payables
—
—
—
16.58
Accounts Payable
—
—
—
16.58
Current Debt And Capital Lease Obligation
0.00
0.00
-100.00%
97.39
+36.30%
71.45
Current Debt
0.00
0.00
-100.00%
97.39
+36.30%
71.45
Other Current Borrowings
0.00
0.00
-100.00%
76.00
+52.00%
50.00
Long Term Debt And Capital Lease Obligation
111.31
-30.98%
161.27
+35.08%
119.38
+364.19%
25.72
Long Term Debt
104.43
-32.69%
155.15
+37.15%
113.12
+493.14%
19.07
Long Term Capital Lease Obligation
6.88
+12.46%
6.12
-2.33%
6.26
-5.81%
6.65
Stockholders Equity
273.93
+8.26%
253.04
+7.54%
235.30
+17.26%
200.68
Capital Stock
188.21
+0.68%
186.94
+7.66%
173.64
+20.52%
144.07
Common Stock
188.21
+0.68%
186.94
+7.66%
173.64
+20.52%
144.07
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
17.41
+0.46%
17.33
+5.76%
16.38
+14.82%
14.27
Ordinary Shares Number
14.19
+0.54%
14.12
+7.17%
13.17
+17.00%
11.26
Treasury Shares Number
3.22
+0.13%
3.21
+0.00%
3.21
+6.64%
3.01
Retained Earnings
151.94
+7.54%
141.29
+0.91%
140.02
+0.55%
139.25
Gains Losses Not Affecting Retained Earnings
-10.15
+47.11%
-19.19
+14.09%
-22.34
+25.43%
-29.95
Treasury Stock
56.07
+0.12%
56.00
-0.02%
56.02
+6.31%
52.69
Other Equity Adjustments
-10.15
+47.11%
-19.19
+14.09%
-22.34
+25.43%
-29.95
Total Equity Gross Minority Interest
273.93
+8.26%
253.04
+7.54%
235.30
+17.26%
200.68
Total Capitalization
378.36
-7.31%
408.19
+17.15%
348.43
+58.56%
219.75
Invested Capital
378.36
-7.31%
408.19
-8.44%
445.82
+53.10%
291.20
Total Debt
111.31
-30.98%
161.27
-25.61%
216.78
+123.08%
97.17
Net Debt
80.10
-32.78%
119.16
-30.23%
170.79
+151.81%
67.83
Capital Lease Obligations
6.88
+12.46%
6.12
-2.33%
6.26
-5.81%
6.65
Net Tangible Assets
174.35
+14.99%
151.62
+3.64%
146.30
+4.78%
139.63
Tangible Book Value
174.35
+14.99%
151.62
+3.64%
146.30
+4.78%
139.63
Available For Sale Securities
148.51
+2853.07%
5.03
+0.54%
5.00
+14.41%
4.37
Cash Cash Equivalents And Federal Funds Sold
24.32
-32.42%
35.99
-9.39%
39.72
+74.98%
22.70
Held To Maturity Securities
15.80
-3.20%
16.32
-3.17%
16.86
-15.19%
19.88
Line Of Credit
—
0.00
-100.00%
21.39
-0.28%
21.45
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
34.40
-63.11%
93.24
+299.13%
23.36
-18.64%
28.71
Cash Flow From Continuing Operating Activities
34.40
-63.11%
93.24
+299.13%
23.36
-18.64%
28.71
Net Income From Continuing Operations
23.12
+71.36%
13.49
+6.84%
12.63
-42.93%
22.13
Depreciation Amortization Depletion
0.67
+10.60%
0.60
-79.79%
2.99
+8.93%
2.74
Depreciation
0.67
+10.60%
0.60
-79.79%
2.99
+8.93%
2.74
Depreciation And Amortization
0.67
+10.60%
0.60
-79.79%
2.99
+8.93%
2.74
Other Non Cash Items
5.35
-93.27%
79.58
+7360.77%
-1.10
+41.23%
-1.86
Stock Based Compensation
0.65
+10.54%
0.59
+4.44%
0.56
+6.03%
0.53
Deferred Tax
2.78
+42.59%
1.95
+704.02%
-0.32
+6.38%
-0.34
Deferred Income Tax
2.78
+42.59%
1.95
+704.02%
-0.32
+6.38%
-0.34
Operating Gains Losses
-2.97
+19.05%
-3.67
-228.99%
-1.11
-302.18%
0.55
Gain Loss On Investment Securities
-0.03
-113.45%
0.22
+4360.00%
0.01
-98.29%
0.29
Gain Loss On Sale Of PPE
0.00
+100.00%
-0.46
-7.82%
-0.42
-192.75%
0.46
Change In Working Capital
2.85
+323.94%
-1.27
-116.68%
7.64
+61.85%
4.72
Change In Receivables
0.73
+14760.00%
-0.01
-102.04%
0.24
-52.61%
0.52
Changes In Account Receivables
0.73
+14760.00%
-0.01
-102.04%
0.24
-52.61%
0.52
Change In Payables And Accrued Expense
2.11
+76.38%
1.20
+191.94%
-1.30
-174.54%
1.75
Change In Accrued Expense
—
—
-3.96
-130.02%
-1.72
Change In Payable
2.11
+76.38%
1.20
+191.94%
-1.30
-174.54%
1.75
Change In Account Payable
2.11
+76.38%
1.20
+191.94%
-1.30
-174.54%
1.75
Change In Other Current Assets
0.01
+100.28%
-2.47
-128.38%
8.69
+254.42%
2.45
Change In Other Current Liabilities
—
—
—
—
Investing Cash Flow
52.05
-15.22%
61.39
+201.63%
-60.41
-24.86%
-48.38
Cash Flow From Continuing Investing Activities
52.05
-15.22%
61.39
+201.63%
-60.41
-24.86%
-48.38
Net PPE Purchase And Sale
-0.95
+67.93%
-2.95
-51.13%
-1.95
-21588.89%
-0.01
Purchase Of PPE
-0.96
+74.75%
-3.80
-45.74%
-2.61
-194.80%
-0.88
Sale Of PPE
0.01
-98.47%
0.85
+29.66%
0.65
-25.26%
0.88
Capital Expenditure
-0.96
+74.75%
-3.80
-45.74%
-2.61
-194.80%
-0.88
Net Investment Purchase And Sale
35.89
+80.68%
19.87
-26.54%
27.04
+241.99%
-19.05
Purchase Of Investment
-8.05
+67.80%
-24.99
-396.50%
-5.03
+88.57%
-44.04
Sale Of Investment
43.94
-2.04%
44.85
+39.84%
32.08
+28.32%
25.00
Net Business Purchase And Sale
—
-2.14
-213.26%
1.89
0.00
Purchase Of Business
—
-2.14
—
—
Net Other Investing Changes
—
-2.00
+45.62%
-3.69
-254.07%
2.39
Financing Cash Flow
-100.58
+36.59%
-158.61
-393.32%
54.07
+123.12%
24.23
Cash Flow From Continuing Financing Activities
-100.58
+36.59%
-158.61
-393.32%
54.07
+123.12%
24.23
Net Issuance Payments Of Debt
-50.73
+25.84%
-68.40
-217.88%
58.02
-27.95%
80.53
Issuance Of Debt
0.36
-99.27%
50.00
-47.37%
95.00
+533.33%
15.00
Repayment Of Debt
-51.09
-538.52%
-8.00
-15.64%
-6.92
-16.72%
-5.93
Long Term Debt Issuance
0.36
-99.27%
50.00
-47.37%
95.00
+533.33%
15.00
Long Term Debt Payments
-51.09
-538.52%
-8.00
-15.64%
-6.92
-16.72%
-5.93
Net Long Term Debt Issuance
-50.73
-220.78%
42.00
-52.32%
88.08
+870.91%
9.07
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
0.00
+100.00%
-110.39
-267.26%
-30.06
-142.07%
71.45
Net Common Stock Issuance
0.56
+3.35%
0.54
+118.56%
-2.90
+87.54%
-23.25
Common Stock Payments
-0.07
—
-3.33
+85.94%
-23.66
Common Stock Dividend Paid
-12.47
-2.07%
-12.22
-22.95%
-9.94
-8.13%
-9.19
Cash Dividends Paid
-12.47
-2.07%
-12.22
-22.95%
-9.94
-8.13%
-9.19
Repurchase Of Capital Stock
-0.07
—
-3.33
+85.94%
-23.66
Proceeds From Stock Option Exercised
—
—
0.00
0.00
Changes In Cash
-14.13
-255.11%
-3.98
-123.38%
17.02
+272.88%
4.57
Beginning Cash Position
35.74
-10.02%
39.72
+74.98%
22.70
+25.17%
18.14
End Cash Position
21.61
-39.53%
35.74
-10.02%
39.72
+74.98%
22.70
Free Cash Flow
33.44
-62.61%
89.44
+330.94%
20.75
-25.42%
27.83
Interest Paid Supplemental Data
33.47
-21.30%
42.53
+95.64%
21.74
+364.83%
4.68
Income Tax Paid Supplemental Data
—
0.00
-100.00%
2.73
-33.78%
4.13
Common Stock Issuance
0.62
+16.17%
0.54
+25.70%
0.43
+4.90%
0.41
Issuance Of Capital Stock
0.62
+16.17%
0.54
+25.70%
0.43
+4.90%
0.41
Sale Of Business
—
—
1.89
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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