Is LCNB Corp. (LCNB) Overvalued?
We dive into why LCNB Corp. (LCNB) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
Why LCNB Corp.’s (LCNB) Stock Is Up 5.41%
As of Monday, July 20, LCNB Corp.’s LCNB share price has surged by 5.41%, which has investors questioning if this is right time to sell.Michael Rose
Why LCNB Corp.’s (LCNB) Stock Is Up 5.62%
As of Thursday, July 16, LCNB Corp.’s LCNB share price has surged by 5.62%, which has investors questioning if this is right time to sell.Rosalio Madrigal
Why LCNB Corp.’s (LCNB) Stock Is Up 10.31%
As of Thursday, July 16, LCNB Corp.’s LCNB share price has surged by 10.31%, which has investors questioning if this is right time to sell.Omar Beirat
What You Need to Know About LCNB Corp.'s Q3 Earnings
LCNB Corp.'s fiscal Q3 earnings report was released on Wednesday, July 15. Let's dive in to see if (LCNB) missed or beat analyst's expectations.Michael Rose
Financial Summary
| Share Statistics | LCNB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $267.9 | $733.6 | 30% |
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| Shares Out (Mil) | 14.2 | 16.0 | 25% |
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| Institutional Ownership | 89.3% | 84.1% | 57% |
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| Float (Mil) | 13.4 | 21.6 | 23% |
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| Beta | 0.57 | 0.44 | 33% |
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| Avg Daily Volume (000s) | 34 | 50 | 25% |
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| Price Change (52-week) |
18.6% | 93.9% | 65% |
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| Growth | LCNB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.2% | 7.7% | 38% |
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| Net Income (5yr) | 2.8% | 11.1% | 44% |
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| EPS (5yr) | 1.0% | 10.0% | 33 |
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| Dividends (5yr) | 3.8% | 3.6% | 77% |
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| Cash Flow (5yr) | (26.0%) | (17.2%) | 24% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $0.475 | $1.795 | $1.850 | |
| Month Ago EPS | $0.475 | $1.795 | $1.850 | |
| # Rev Up | 0 | 0 | 2 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $0.460 | $1.675 | $1.810 | |
| Year/Year Chg | (9.7%) | 10.1% | na | |
| Financials | LCNB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $92 | $191 | 25% |
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| Net Income (TTM) (Mil) | $25 | $55 | 50% |
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| EPS (TTM) | $1.727 | $2.500 | 69% |
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| Operating Cash Flow (TTM) (Mil) | $39 | $34 | 45% |
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| Net Cash Flow (TTM) (Mil) | ($25) | $2 | 24% |
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| Long-Term Debt (Q1) (Mil) | $111 | $98 | 45% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | LCNB | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.95 | 1.26 | 21% |
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| P/E | 10.9 | 12.3 | 21% |
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| Dividend Yield | 4.7% | 2.2% | 92% |
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| PEG (5yr hist) | 10.9 | 1.1 | 94% |
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| Ratios | LCNB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 26.7% | 29.2% | 85% |
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| ROA | 1.1% | 1.1% | 47% |
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| ROE | 9.0% | 11.3% | 54% |
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| Liabilities to Assets | 87.4% | 89.7% | 81% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 9/18/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
