LCNB Corp. (LCNB) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
LCNB Corp. (LCNB) trades at $19.55 with AI Score 83/100 (Grade A+). LCNB Corp. is a financial holding company operating LCNB National Bank, providing banking services in Ohio. Market cap: $279M, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 9, 2026Analyst Coverage for LCNB: LCNB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates LCNB against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
LCNB: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
LCNB Corp. (LCNB) Financial Services Profile
LCNB Corp., established in 1877, is a regional bank holding company providing comprehensive financial services in Ohio, including deposit accounts, loans, and wealth management. With a dividend yield of 5.38% and a market capitalization of $279M, LCNB focuses on serving individuals and businesses through its network of 32 offices and 37 ATMs.
What Is the Investment Thesis for LCNB?
LCNB Corp. presents a stable investment opportunity within the regional banking sector, supported by its long-standing history and established presence in Ohio. With a P/E ratio of 10.3 and a dividend yield of 5.38%, LCNB offers potential value for income-focused investors. The company's diversified loan portfolio and range of financial services contribute to revenue stability. Growth catalysts include expanding digital banking services and strategic expansion within Ohio. However, potential risks include interest rate sensitivity and competition from larger regional and national banks. Maintaining a focus on community banking and customer relationships is crucial for sustaining its competitive edge.
Based on FMP financials and quantitative analysis
LCNB Key Highlights
- Market capitalization of $279M, reflecting its position as a regional bank.
- P/E ratio of 10.3, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 18.5%, showcasing efficient operations and profitability.
- Gross margin of 72.5%, highlighting the effectiveness of its service offerings.
- Dividend yield of 5.38%, providing a substantial income stream for investors.
Who Are LCNB's Competitors?
LCNB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FFBC First Financial Bancorp. | $33.79 | -0.50% | $3.55B | 97 |
| HBNC Horizon Bancorp, Inc. | $20.05 | -0.79% | $1.03B | 36 |
| KEY KeyCorp | $22.72 | -1.69% | $24.5B | 94 |
| FRAF Franklin Financial Services Corporation | $62.81 | +1.82% | $282M | 92 |
| ATLO Ames National Corporation | $29.79 | +1.05% | $264M | 91 |
| FVCB FVCBankcorp, Inc. | $17.66 | -0.90% | $318M | 92 |
| CZFS Citizens Financial Services, Inc. | $71.50 | -1.62% | $344M | 92 |
| NECB Northeast Community Bancorp, Inc. | $26.45 | +0.15% | $366M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are LCNB's Key Strengths?
- Established presence in Ohio with a long history.
- Diversified portfolio of banking and financial services.
- Strong focus on community banking and customer relationships.
- Solid dividend yield providing income for investors.
What Are LCNB's Weaknesses?
- Limited geographic footprint compared to larger regional banks.
- Potential sensitivity to interest rate fluctuations.
- Reliance on the Ohio economy.
- Smaller scale may limit investment in technology and innovation.
What Could Drive LCNB Stock Higher?
- Expansion of digital banking services to enhance customer experience and attract new clients.
- Strategic initiatives to grow wealth management services and increase assets under management.
- Efforts to increase small business lending and support local economic development.
What Are the Key Risks for LCNB?
- Financial-distress signal — its Altman Z-Score of -0.56 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations impacting net interest margin and profitability.
- Economic downturns affecting loan demand and credit quality.
- Competition from larger regional and national banks.
- Regulatory changes increasing compliance costs and operational complexity.
What Are the Growth Opportunities for LCNB?
- Expansion of Digital Banking Services: LCNB can capitalize on the growing demand for digital banking by enhancing its online and mobile platforms. Investing in user-friendly interfaces, secure transaction capabilities, and personalized financial tools can attract and retain tech-savvy customers. The digital banking market is projected to reach $9 trillion by 2028, offering a significant opportunity for LCNB to increase its market share and improve customer engagement. Timeline: Ongoing.
- Strategic Branch Expansion within Ohio: LCNB can strategically expand its branch network in underserved areas within Ohio to increase its customer base and market presence. Identifying regions with strong economic growth and limited banking options can provide a competitive advantage. Each new branch can target specific customer segments, such as small businesses or retirees, with tailored products and services. Timeline: 2-3 years.
- Increased Focus on Wealth Management Services: LCNB can grow its wealth management business by offering comprehensive financial planning, investment advisory, and trust services to high-net-worth individuals and families. The wealth management market is expected to grow at a rate of 7% annually, driven by increasing affluence and demand for personalized financial advice. LCNB can leverage its existing customer relationships and local market knowledge to attract new clients. Timeline: Ongoing.
- Enhanced Small Business Lending: LCNB can expand its small business lending portfolio by offering tailored loan products and financial services to local businesses. Small businesses are a key driver of economic growth in Ohio, and LCNB can play a vital role in supporting their success. Providing flexible loan terms, competitive interest rates, and personalized advice can attract small business clients and foster long-term relationships. Timeline: Ongoing.
- Partnerships with Fintech Companies: LCNB can partner with fintech companies to offer innovative financial products and services to its customers. Collaborating with fintechs can enhance LCNB's digital capabilities, improve customer experience, and expand its product offerings. Potential partnerships include those focused on mobile payments, online lending, and financial wellness. Timeline: 1-2 years.
What Opportunities Does LCNB Have?
- Expansion of digital banking services to attract new customers.
- Strategic branch expansion in underserved areas within Ohio.
- Growth in wealth management services targeting high-net-worth individuals.
- Increased small business lending to support local economic development.
What Threats Does LCNB Face?
- Competition from larger regional and national banks.
- Regulatory changes impacting the banking industry.
- Economic downturns affecting loan demand and credit quality.
- Cybersecurity risks and data breaches.
What Are LCNB's Competitive Advantages?
- Established local presence and brand recognition in Ohio.
- Long-standing customer relationships within the community.
- Diversified portfolio of banking and financial services.
- Strong understanding of the local market and economy.
What Does LCNB Do?
Founded in 1877 and headquartered in Lebanon, Ohio, LCNB Corp. operates as the financial holding company for LCNB National Bank. The bank provides a wide array of banking services to individuals and businesses across Ohio. LCNB's deposit products include checking, savings, money market accounts, and certificates of deposit, catering to diverse customer needs. Its loan portfolio encompasses commercial and industrial loans, commercial and residential real estate loans, agricultural loans, construction loans, and Small Business Administration (SBA) loans. The bank also offers residential mortgage loans, including those for purchasing or refinancing personal residences, home equity lines of credit, and loans secured by residential mortgages for commercial or consumer purposes. In addition to traditional banking services, LCNB provides consumer loans for automobiles, recreational vehicles, boats, home improvements, and personal needs. The company extends its services to include trust administration, estate settlement, and fiduciary services, as well as investment management for trusts, agency accounts, individual retirement accounts, and foundations/endowments. LCNB also offers investment services and products such as financial needs analysis, mutual funds, securities trading, annuities, and life insurance, alongside security brokerage services. LCNB operates 32 offices across multiple Ohio counties, including Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross, supported by an operations center in Warren County and a network of 37 ATMs. The bank leverages technology to offer services such as online and mobile banking, enhancing customer convenience and accessibility.
What Products and Services Does LCNB Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial, residential, and agricultural loans.
- Provides residential mortgage loans for home purchases and refinancing.
- Offers consumer loans for vehicles, home improvements, and personal needs.
- Provides trust administration, estate settlement, and fiduciary services.
- Offers investment management services for trusts and individual retirement accounts.
- Offers investment services and products, including mutual funds and annuities.
- Provides online and mobile banking services.
How Does LCNB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Generates revenue from trust and investment management services.
- Earns commissions from investment product sales.
What Industry Does LCNB Operate In?
LCNB Corp. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Regional banks like LCNB face competition from larger national banks and credit unions, requiring them to differentiate through personalized service and community focus. The market is seeing increased adoption of digital banking solutions, driving the need for banks to invest in technology to enhance customer experience and operational efficiency. The regional banking sector is projected to grow modestly, driven by local economic development and small business lending.
Who Are LCNB's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and financial services.
- Commercial clients needing commercial and industrial loans.
- High-net-worth individuals seeking wealth management services.
FY2026 estForward Outlook
Wall Street analysts project LCNB Corp. revenue of about $96.7M for fiscal 2026, with EPS near $1.68.
F-Score 7/9Financial Health
LCNB Corp.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.56 places it in the distress zone, a signal of elevated financial risk.
LCNB Valuation & Market Position
Relative to its peer group, LCNB's quantitative score of 83/100 is roughly in line with the peer average of 82/100.
LCNB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in LCNB's future performance, indicating that those closest to the company believe in its potential.
- Community sentiment has been leaning positive, with discussions highlighting LCNB's strong local presence and customer loyalty.
- Analysts have noted LCNB's solid fundamentals, including a stable revenue stream from its banking operations, which can be appealing in uncertain markets.
- Recent developments in regional economic growth could benefit LCNB, as local businesses thrive and contribute to increased lending opportunities.
Bear Case
- Concerns over rising interest rates have led some investors to question LCNB's ability to maintain profitability in a tightening credit environment.
- Social sentiment has shown some skepticism, with bearish views focusing on potential regulatory challenges that could impact operations.
- The competitive landscape in the banking sector is intensifying, with larger banks increasing their focus on regional markets, which could pressure LCNB's market share.
- Recent earnings reports have raised flags about cost management, with some analysts suggesting that operational efficiencies need improvement to sustain growth.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
LCNB Latest News
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Stocks That Hit 52-Week Lows On Thursday
benzinga · Jun 1, 2023
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Stocks That Hit 52-Week Lows On Friday
· Feb 28, 2020
LCNB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for LCNB.
Price Targets
Wall Street price target analysis for LCNB.
LCNB MoonshotScore
What does this score mean?
The MoonshotScore rates LCNB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Eric J. Meilstrup
Unknown
Information about Eric J. Meilstrup's background is not available in the provided context. Without additional data, a comprehensive biography cannot be constructed. Further research would be needed to detail his career history, education, previous roles, and credentials.
Track Record: Information about Eric J. Meilstrup's track record is not available in the provided context. Without additional data, a summary of his key achievements, strategic decisions, and company milestones under his leadership cannot be provided. Further research would be needed to assess his performance and impact on LCNB Corp.
What Investors Ask About LCNB Corp. (LCNB) — Financial Services
What does the AI Score mean for LCNB?
LCNB holds an AI Score of 83/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. LCNB Corp. is a financial holding company operating LCNB National Bank, providing banking services in Ohio. The company offers a range of deposit and loan products, along with trust, investment …
What does LCNB Corp. do?
LCNB Corp. operates as the financial holding company for LCNB National Bank, providing a range of banking services in Ohio. Its primary activities include accepting deposits, originating loans, and providing trust and investment management services. The bank offers checking and savings accounts, commercial and residential loans, and wealth management solutions to individuals and businesses.
What do analysts say about LCNB stock?
Analyst coverage of LCNB Corp. is Unknown. Key valuation metrics to consider include the company's P/E ratio of 10.3 and dividend yield of 5.38%. Growth considerations include the company's strategic initiatives to expand digital banking services, grow wealth management, and increase small business lending. Investors should conduct their own due diligence and consider their individual investment objectives before making any investment decisions.
What are the main risks for LCNB?
LCNB Corp. faces several risks, including interest rate risk, credit risk, and regulatory risk. Interest rate fluctuations can impact the company's net interest margin and profitability. Economic downturns can affect loan demand and credit quality, leading to increased loan losses. Regulatory changes can increase compliance costs and operational complexity. Competition from larger regional and national banks also poses a threat to LCNB's market share and profitability.
What are the key factors to evaluate for LCNB?
LCNB Corp. (LCNB) holds an AI score of 83/100 (high). P/E: 10.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does LCNB data refresh on this page?
LCNB's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven LCNB's recent stock price performance?
LCNB Corp. (LCNB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Ohio with a long history. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider LCNB overvalued or undervalued right now?
LCNB Corp. (LCNB) trades at 10.3x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research LCNB before investing?
Before investing in LCNB Corp. (LCNB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-09.
- CEO background and track record are limited due to lack of source data.
- Analyst consensus is not available.