Provides checking and savings accounts to individuals and businesses. Offers commercial, residential, and agricultural loans. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 13% a year over the last 4 years. Every year shown ended in profit.
The market pays 11.8× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 86% of them.
Analysts' average target sits 1% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly above the class average — a step short of the very top.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades below its recent peak — about 9% off the top. A pullback, not a collapse.
The net profit margin is 19% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 13% a year on average.
Over the last 12 months, company executives reported 23 buys and 2 sells. Management buying with its own money is usually read as a good sign.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, LCNB sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: LCNB is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.