Price
$19.87+12.90%Social Signal Score
Analyst Ratings
3 analystsRevenue
$31.68M+130.59%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Eric J. Meilstrup
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 346
- Beta
- 0.56
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- -0.57
Financials
Revenue
$31.68M+130.6%Net Income
$7.49M+158.8%EBITDA
$9.68M+98.2%Free Cash Flow
$7.43M+218.7%EPS (diluted)
$0.53+82.8%Shares Outstanding (diluted)
14.16M+41.9%Operating Expenses
$11.11MCash & Debt
$234.93MReturn of Capital
$3.13MRevenue by Segment (annual)
$16.91MDividend per Share
$0.22Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $124.24M | $23.12M | $1.64 |
| 2024 | $125.42M | $13.49M | $0.97 |
| 2023 | $95.01M | $12.63M | $1.10 |
| 2022 | $80.04M | $22.13M | $1.93 |
| 2021 | $75.99M | $20.97M | $1.66 |
| 2020 | $78.49M | $20.07M | $1.55 |
| 2019 | $76.96M | $18.91M | $1.44 |
| 2018 | $65.06M | $14.85M | $1.24 |
| 2017 | $54.35M | $12.97M | $1.30 |
| 2016 | $53.88M | $12.48M | $1.26 |
| 2015 | $52.08M | $11.47M | $1.18 |
| 2014 | $47.99M | $9.87M | $1.06 |
| 2013 | $42.05M | $8.78M | $1.12 |
| 2012 | $38.37M | $8.27M | $1.23 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from LCNB's reported EPS growth of 2.2% a year over 13 years.
- EPS in 5 years
- $1.83
- Implied price
- $18.30
- Return from $18.94
- -0.7% a year
To earn 15.0% a year on these assumptions you'd need to buy at $9.10 — -52.0% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 6 | 8 | 10 | 12 | 14 |
|---|---|---|---|---|---|
| -7.8% | -19.1% | -14.3% | -10.4% | -7.1% | -4.2% |
| -2.8% | -14.7% | -9.7% | -5.5% | -2.0% | 1.0% |
| 2.2% | -10.3% | -5.0% | -0.7% | 3.0% | 6.2% |
| 7.2% | -5.9% | -0.4% | 4.2% | 8.0% | 11.4% |
| 12.2% | -1.6% | 4.3% | 9.0% | 13.1% | 16.6% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100+0.00%Social Signal Score
Mentions (3)
- Newsbusinesswire.com·18d ago·Neutral
LCNB Corp. Announces Retirement of Michael R. Miller, EVP and Chief Wealth Officer LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. (NASDAQ: LCNB) (the “Company”), the holding company for LCNB National Bank (the “Bank”), today announced that Michael R. Miller, EVP and Chief Wealth Officer, will retire from his positions with both the Company and the Bank effective March 31, 2027. “Mike has made tremendous contributions to LCNB, our Wealth business and, most importantly, to the clients we serve,” said …
View source ↗ - Newsbusinesswire.com·46d ago·Negative
LCNB Corp. Announces 2026 Third-Quarter Dividend LEBANON, Ohio--(BUSINESS WIRE)--LCNB Corp. (Nasdaq: LCNB) today announced that the Company's Board of Directors declared a cash dividend of $0.22 per common share. The common stock cash dividend will have a record date of September 1, 2026, and is payable to shareholders on September 15, 2026. About LCNB Corp. LCNB Corp. is a financial holding company headquartered in Lebanon, Ohio. Through its subsidiary, LCNB National Bank (the “Bank”), it serve…
View source ↗ - Newsseekingalpha.com·59d ago·Neutral
LCNB Corp.: Impressive Q2 2026 Results LCNB Corp. delivered record Q2 2026 net interest income and EPS, with shares up 36% year-over-year yet still trading at a forward P/E discount to peers. LCNB's robust 11.62% CET1 ratio and 1.34% return on assets underscore strong capitalization and operational efficiency above industry benchmarks. Wealth management AUM hit a record $1.7bn (+15.3% yoy), and Columbus market expansion is positioned as a key forward growth driver.
View source ↗
Earnings
Wed, Oct 28(in 3 weeks)
Consensus estimate $0.47 per share
Typical surprise +7.9% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 16$0.53 vs $0.44beat
- Wed, Apr 22$0.31 vs $0.35miss
- Thu, Jan 29$0.40 vs $0.44miss
- Wed, Oct 22$0.49 vs $0.42beat
- Tue, Jul 22$0.41 vs $0.38beat
- Tue, Apr 22$0.33 vs $0.35miss
Estimates and results for LCNB via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by LCNB officers and directors.
- Bought
- $295k
- Sold
- $132k
27 trades
4 trades
- Meilstrup Eric Jbought
- Haines Robert C Iibought
- Meilstrup Eric Jbought
- Haines Robert C Iibought
- Miller Michael Robertsold
- Meilstrup Eric Jbought
- Huddle William Gsold
- Mulligan Lawrence P Jr.bought
69 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in LCNB.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.