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LCNB Corporation

LCNB Corporation

LCNB · NASDAQ · Financial Services / Banks - Regional

19.66USD+0.08 (+0.41%)

Price History

Full chart

Market Stats

Previous Close19.58
Open19.84
Day Range19.34 – 19.84
52-Week Range13.59 – 21.08
Volume19.70K
Market Cap268.28M
P/E (TTM)10.88
Forward P/E13.05
EPS1.73
Dividend Yield4.67%
Beta0.56
50-Day Avg19.50
200-Day Avg17.50

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Eric J. Meilstrup
  • Employees328
  • Headquarters2 North Broadway, Lebanon, OH, United States, 45036, USA
  • Websitehttps://www.lcnbcorp.com

Leadership

  • Mr. Eric J. MeilstrupCEO & Director · b. 1968
  • Mr. Robert C. Haines IIPresident · b. 1973
  • Mr. Andrew WallaceExecutive VP & Chief Financial Officer · b. 1992
  • Mr. Bradley Austin RuppertExecutive VP & Chief Investment Officer · b. 1976
  • Mr. William H. KaufmanAssistant Secretary & Director · b. 1944
  • Ms. Anne E. KrehbielSecretary & Independent Director · b. 1956
  • Ms. Susan KelleySenior VP & Chief Accounting Officer
  • Mr. Lawrence P. Mulligan Jr.Executive VP & Chief Administration Officer · b. 1969
  • Ms. Connie SearsVice President of Human Resources and Vice President of Human Resources - LCNB National Bank
  • Ms. Patricia L. WalterExecutive VP & Chief Risk Officer · b. 1976

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue15.43M34.06M36.55M37.01M35.79M34.23M33.31M35.53M38.89M40.34M42.80M42.10M42.41M39.30M38.37M42.05M47.99M52.08M53.88M54.35M65.06M76.96M78.49M75.99M80.04M95.01M125.42M124.24M
Growth (%)-+120.75%+7.31%+1.24%-3.30%-4.34%-2.71%+6.67%+9.47%+3.71%+6.11%-1.64%+0.72%-7.31%-2.38%+9.61%+14.13%+8.52%+3.45%+0.87%+19.72%+18.29%+1.99%-3.18%+5.33%+18.70%+32.01%-0.94%
Cost of Revenue14.25M13.51M16.15M14.58M11.02M9.34M7.86M9.37M12.38M14.10M14.04M11.46M10.01M8.48M6.24M4.65M4.52M4.69M4.42M3.81M7.35M10.99M9.58M3.78M4.96M25.33M46.18M34.46M
Gross Profit15.43M20.55M20.40M22.43M24.77M24.90M25.45M26.16M26.52M26.23M28.76M30.64M32.39M30.83M32.13M37.42M43.48M47.39M49.47M50.53M57.72M65.97M68.92M72.21M75.08M69.68M79.24M89.78M
Gross Margin100.00%60.33%55.81%60.61%69.21%72.72%76.41%73.63%68.18%65.03%67.20%72.78%76.38%78.43%83.74%88.98%90.58%90.99%91.80%92.98%88.71%85.71%87.80%95.02%93.80%73.34%63.18%72.26%
Operating Expense-4.09M12.65M13.07M13.92M15.71M15.72M16.40M17.21M17.84M18.34M19.93M20.71M20.76M21.30M21.06M25.70M30.22M31.69M32.54M33.29M39.92M42.94M44.76M46.62M48.13M54.42M63.28M61.63M
Operating Income19.52M7.90M7.33M8.51M9.06M9.17M9.05M8.95M8.68M7.89M8.83M9.93M11.63M9.53M11.06M11.72M13.26M15.70M16.93M17.24M17.79M23.02M24.16M25.59M26.95M15.26M15.96M28.15M
Operating Margin126.52%23.19%20.06%22.99%25.33%26.79%27.16%25.18%22.32%19.56%20.62%23.59%27.42%24.25%28.84%27.87%27.62%30.14%31.41%31.73%27.35%29.92%30.78%33.67%33.67%16.06%12.73%22.66%
EBITDA19.52M9.73M9.33M10.77M11.61M12.38M12.02M11.53M10.93M10.07M10.92M12.37M14.44M12.51M14.14M13.93M16.25M18.69M19.48M20.55M21.87M26.27M26.39M28.20M29.69M18.25M16.57M28.82M
EBITDA Margin126.52%28.57%25.52%29.09%32.45%36.16%36.09%32.44%28.10%24.98%25.52%29.37%34.05%31.83%36.85%33.13%33.85%35.89%36.16%37.81%33.61%34.13%33.63%37.10%37.09%19.21%13.21%23.20%
Net Income5.46M5.58M5.24M6.07M6.54M6.74M6.60M6.71M6.51M5.95M6.60M7.77M9.37M8.12M8.27M8.78M9.87M11.47M12.48M12.97M14.85M18.91M20.07M20.97M22.13M12.63M13.49M23.12M
Net Income Margin35.39%16.37%14.34%16.39%18.28%19.68%19.80%18.87%16.75%14.76%15.43%18.45%22.10%20.65%21.55%20.88%20.56%22.03%23.17%23.87%22.82%24.57%25.58%27.60%27.65%13.29%10.76%18.61%
R&D-------------00000000-------
R&D as % of Total Revenue-------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense14.06M13.30M15.95M14.34M10.67M8.68M7.37M9.03M12.23M13.84M13.42M10.06M8.33M6.39M4.89M4.07M3.59M3.33M3.50M3.60M6.42M10.79M7.56M4.05M4.71M23.25M44.22M32.52M
Interest Expense % of Total Revenue91.13%39.06%43.65%38.75%29.82%25.35%22.12%25.42%31.45%34.31%31.36%23.89%19.65%16.25%12.74%9.67%7.48%6.39%6.50%6.62%9.87%14.02%9.63%5.33%5.89%24.47%35.26%26.18%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets432.36M438.98M451.00M480.44M506.75M523.61M522.25M539.50M548.22M604.06M649.73M734.41M760.13M791.57M788.64M932.34M1.11B1.28B1.31B1.30B1.64B1.64B1.75B1.90B1.92B2.29B2.31B2.24B
Total Liabilities390.03M395.99M404.69M430.93M454.82M471.16M469.95M487.48M497.22M547.53M591.62M668.79M689.43M713.61M706.63M813.47M982.37M1.14B1.16B1.15B1.42B1.41B1.51B1.67B1.72B2.06B2.05B1.97B
Total Equity42.34M42.99M46.31M49.51M51.93M52.45M52.30M52.02M51.00M56.53M58.12M65.61M70.71M77.96M82.01M118.87M125.69M140.11M142.94M150.27M218.99M228.05M240.82M238.60M200.68M235.30M253.04M273.93M
Cash-24.19M18.26M14.29M25.60M11.78M10.71M13.41M14.86M17.50M11.28M12.63M11.00M19.54M13.47M14.69M15.85M14.99M18.86M25.39M21.04M20.77M31.73M18.14M22.70M39.72M35.99M18.35M
Total Debt--6.36M12.31M6.25M4.20M3.41M2.07M15.37M6.46M7.21M39.23M44.81M42.97M27.46M20.76M28.00M43.33M42.64M47.30M103.26M46.44M28.37M16.47M96.90M216.78M161.27M118.18M
Net Debt--24.33M-11.91M-1.98M-19.35M-7.59M-7.31M-11.34M506.00K-11.04M-4.07M26.60M33.81M23.43M13.99M6.07M12.16M28.35M23.77M21.92M82.23M25.68M-3.36M-1.66M74.20M177.06M125.27M99.83M

Cash Flow

Currency: USD1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow6.81M7.73M8.93M8.37M10.01M10.23M8.45M8.28M7.73M8.41M8.73M13.80M10.66M10.99M10.45M15.94M13.24M15.48M18.14M19.74M21.97M13.68M17.82M25.24M23.36M93.24M34.40M
Investing Cash Flow-6.83M-18.45M-14.70M-35.57M-11.78M4.49M-47.75M-10.39M8.42M-59.74M-87.90M-31.09M-21.21M-5.51M-587.00K-11.00M-65.57M-27.52M14.80M-10.79M9.06M-80.05M-175.22M-44.91M-60.41M61.39M52.05M
Financing Cash Flow3.31M4.84M21.75M18.56M10.57M-6.01M11.51M2.29M-468.00K38.16M73.77M15.67M19.09M-11.54M-8.63M-3.78M51.47M15.91M-26.41M-14.30M-30.30M77.34M143.80M24.23M54.07M-158.61M-100.58M
Capital Expenditure635.00K3.07M2.21M1.06M1.39M1.31M1.69M637.00K2.25M2.52M1.32M1.45M2.58M478.00K858.00K1.05M504.00K9.45M6.62M600.00K3.93M2.79M1.94M884.00K2.61M3.80M959.00K
Free Cash Flow6.17M4.67M6.71M7.31M8.62M8.92M6.75M7.64M5.48M5.90M7.41M12.35M8.08M10.51M9.59M14.89M12.73M6.03M11.52M19.14M18.03M10.89M15.88M24.36M20.75M89.44M33.44M
Dividends Paid2.82M3.20M3.27M3.49M3.63M3.73M3.83M3.88M3.94M4.28M4.80M4.28M4.28M4.02M4.86M5.64M5.92M6.05M6.09M7.77M8.66M9.10M9.72M9.19M9.94M12.22M12.47M
FCF to OCF90.68%60.33%75.19%87.33%86.08%87.23%79.99%92.31%70.86%70.09%84.86%89.51%75.81%95.65%91.79%93.40%96.19%38.97%63.51%96.96%82.09%79.59%89.11%96.50%88.84%95.93%97.21%
Dividend Paid to FCF45.60%68.51%48.70%47.67%42.15%41.85%56.67%50.78%71.89%72.58%64.83%34.65%53.01%38.21%50.69%37.86%46.45%100.23%52.86%40.61%48.01%83.60%61.21%37.73%47.88%13.66%37.30%

Earnings

Report DateJun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Aug 28, 2013Nov 27, 2013Jan 31, 2014Apr 25, 2014Jul 21, 2014Oct 22, 2014Jan 30, 2015Apr 21, 2015Jul 24, 2015Oct 20, 2015Jan 28, 2016Apr 19, 2016Jul 18, 2016Oct 19, 2016Jan 26, 2017Apr 19, 2017Jul 18, 2017Oct 18, 2017Jan 29, 2018Apr 18, 2018Jul 20, 2018Oct 19, 2018Jan 29, 2019Apr 18, 2019Jul 22, 2019Oct 21, 2019Jan 29, 2020Apr 20, 2020Jul 20, 2020Oct 20, 2020Jan 29, 2021Apr 20, 2021Jul 22, 2021Oct 21, 2021Jan 28, 2022Apr 25, 2022Jul 26, 2022Oct 20, 2022Jan 27, 2023Apr 24, 2023Jul 20, 2023Oct 23, 2023Jan 31, 2024Apr 30, 2024Jul 23, 2024Oct 21, 2024Jan 30, 2025Apr 22, 2025Jul 22, 2025Oct 22, 2025Jan 29, 2026Apr 22, 2026Jul 16, 2026Oct 28, 2026
EPS Estimate-------------------------------------------------------0.270.280.290.290.280.300.320.280.260.280.320.290.290.310.310.320.380.320.390.370.360.390.360.370.310.320.310.350.320.400.430.370.370.400.430.490.520.360.400.360.360.180.270.320.360.380.430.450.350.440.47
EPS Actual0.200.200.170.180.160.190.220.200.220.230.220.230.250.220.280.250.230.240.280.210.260.280.280.250.250.230.280.220.250.220.250.220.250.270.250.220.240.270.260.330.410.300.360.340.300.280.290.340.290.270.320.230.300.300.270.140.280.280.340.300.340.270.280.270.280.270.360.320.300.310.320.330.310.340.410.360.360.370.370.390.390.330.440.410.410.390.430.380.490.490.570.370.420.370.340.200.290.340.440.330.430.490.400.310.53-
Surprise--------------------------------------------------------48.15%0.00%-3.45%17.24%7.14%13.33%-15.63%0.00%3.85%0.00%-15.63%24.14%10.34%-3.23%0.00%0.00%-13.16%-3.13%-12.82%10.81%0.00%-7.69%2.78%0.00%25.81%21.88%6.45%25.71%28.13%2.50%-9.30%16.22%2.70%22.50%13.95%16.33%-28.85%16.67%-7.50%-5.56%-44.44%61.11%25.93%37.50%-8.33%13.16%13.95%-11.11%-11.43%20.45%-
Timing-------------------------------------------------------Pre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--

Key Statistics & Ratios

Market Cap268.28M
Enterprise Value350.45M
Trailing P/E10.88
Forward P/E13.05
PEG Ratio11.81
Price / Sales2.92
Price / Book0.96
EPS1.73
Book Value19.69
Revenue (TTM)92.03M
Gross Profit (TTM)92.03M
Profit Margin26.65%
Operating Margin39.20%
Return on Equity9.02%
Return on Assets1.08%
Shares Outstanding14.25M
Shares Float13.45M
Beta0.56
Dividend Yield4.67%
Dividend Rate0.88
Payout Ratio50.87%

Analyst Ratings

Hold
Based on 2 analystsTarget 21.25
  • Hold
    2

Ownership Breakdown

Institutions
51.55%
Insiders
5.67%
Retail / Other
42.78%

Top Institutional Holders

  • SNS Financial Group, LLC
    1.09M7.63%
  • BlackRock Inc
    825.76K5.79%
  • Dimensional Fund Advisors, Inc.
    548.36K3.85%
  • Vanguard Capital Management, LLC
    546.56K3.83%
  • Ritter Daniher Financial Advisory LLC / DE
    543.93K3.82%
  • LCNB Corp
    509.46K3.57%
  • Geode Capital Management, LLC
    325.50K2.28%
  • State Street Corp
    182.37K1.28%
  • Renaissance Technologies Corp
    156.28K1.10%
  • Johnson Investment Counsel Inc
    135.56K0.95%
  • Bridgeway Capital Management, LLC
    120.43K0.84%
  • Northern Trust Corp
    98.12K0.69%
  • American Financial Group Inc
    93.58K0.66%
  • The Goldman Sachs Group Inc
    89.80K0.63%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    407.80K2.86%
  • iShares Russell 2000 ETF
    344.82K2.42%
  • Fidelity Small Cap Index
    158.15K1.11%
  • iShares Russell 2000 Value ETF
    150.69K1.06%
  • DFA US Small Cap Value I
    137.28K0.96%
  • BSF Systematic US Eq Abs Ret A2 USD
    124.16K0.87%

Dividends

20263×
0.22Sep 1, 20260.22Jun 1, 20260.22Mar 2, 2026
20254×
0.22Dec 1, 20250.22Sep 2, 20250.22Jun 2, 20250.22Mar 3, 2025
20244×
0.22Dec 2, 20240.22Sep 3, 20240.22Jun 3, 20240.22Feb 29, 2024
20234×
0.22Nov 30, 20230.21Aug 31, 20230.21May 31, 20230.21Feb 28, 2023
20224×
0.21Nov 30, 20220.20Aug 31, 20220.20May 31, 20220.20Feb 28, 2022
20214×
0.20Nov 30, 20210.19Aug 31, 20210.19May 28, 20210.19Feb 26, 2021
20201×
0.19Nov 30, 2020

Stock Splits

  • May 11, 20072:1
  • May 3, 20042:1