profit from every $100 of sales.
$0$100
LCNB
$19.78+0.97% today
+27.2% in 1 year
1-year low $15.151-year high $20.98
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.20 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What LCNB sold, what it kept, and what it did with the cash.
Sales went from $75.3 million in 2022 to $92.0 million in 2025, with $23.1 million of profit last year.
SalesProfit
LCNB handed back 38% of the cash it generated last year.
$12M
Free cash flow 2025$33M
Bought back its own shares$69,000
Paid as dividends$12M
Cash vs. debt$24M vs. $111M
LCNB vs. similar companies
LCNB grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| LCNB | 12.2× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads LCNB's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 75 | 72 | 81 | 92 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 22 | 13 | 13 | 23 | |
| 1.93 | 1.10 | 0.97 | 1.63 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.4% | 17.6% | 16.6% | 25.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,919 | 2,292 | 2,307 | 2,241 |
| Cash | 23 | 40 | 36 | 24 |
| Total debt | 97 | 217 | 161 | 111 |
| Total liabilities | 1,719 | 2,056 | 2,054 | 1,967 |
| 201 | 235 | 253 | 274 | |
| 11 | 11 | 14 | 14 | |
| – | – | – | – | |
| 11.0% | 5.4% | 5.3% | 8.4% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 29 | 23 | 93 | 34 | |
| 1 | 3 | 4 | 1 | |
| 28 | 21 | 89 | 33 | |
| Dividends paid | 9 | 10 | 12 | 12 |
| 24 | 3 | – | 0 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.2×
- 11.8×
- –
- 0.8×
- 3.1×
- 8.2%
- 5.6%
Profitability
- 25.1%
- 1.0%
- 5.5%
- 8.5%
- 1.0%
Growth
- +6.9%
- −5.5%
- +3.8%
- +2.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 28%of 843
Top 50%of 730
Top 39%of 866
Bottom 45%of 862
Top 19%of 921
What analysts expect
- Average price target
- $19.00
- Range
- $19.00 – $19.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.31 | 0.35 | −11.4% |
| Jan 29, 2026 | 0.40 | 0.44 | −9.1% |
| Oct 22, 2025 | 0.49 | 0.43 | +15.3% |
| Jul 22, 2025 | 0.41 | 0.38 | +7.9% |
| Apr 22, 2025 | 0.33 | 0.36 | −7.0% |
| Mar 12, 2025 | 0.43 | – | – |
| Oct 21, 2024 | 0.31 | 0.27 | +14.8% |
| Jul 23, 2024 | 0.29 | 0.18 | +61.1% |
5.6%of the share price, paid each year
On $1,000 invested$56a year at today's yield, before tax
+3.8%2020 to 2025
Raised–not every year
Paid per share, each year
$0.64 in 2015 → $0.88 in 2025
How safe it looks
53.9% of its profit
Room to growStretchedMore than it earns: 37.3%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
54No pass
Benjamin Graham
75Pass
Philip Fisher
53No pass
Peter Lynch
35No pass
Joel Greenblatt
18No pass
Charlie Munger
44No pass
Terry Smith
46No pass
Questions about LCNB
Is LCNB a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the LCNB AI analysis
What does LCNB do?
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. Its deposit products include checking accounts, demand deposits, savings accounts, NOW and money market deposits, as well as certificates of deposit. It is in Banks - Regional.
Does LCNB pay a dividend?
Yes. At today's price the dividend is 5.6% a year, about 54% of its yearly profit. In 2025 it paid out $12.5 million in dividends.
Is LCNB stock halal?
No. LCNB does not pass our halal screen: its main business, banking, is not permitted. How we check
How has LCNB stock done over the past year?
Up 27.2% over the past twelve months, to $19.78. It traded between $15.15 and $20.98 and is 5.7% below its high.
Who are LCNB's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with LCNB's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.