📊 LCNB Key Takeaways
Is LCNB a Good Investment? Thesis Analysis
While LCNB demonstrates strong revenue growth of 46.3% YoY, profitability deteriorated sharply with net income growing only 0.6%, indicating potential asset quality deterioration or expense control issues. The dangerously low interest coverage ratio of 1.2x leaves minimal cushion for adverse rate movements or credit losses, presenting elevated financial risk despite solid cash generation.
Why Buy LCNB? Key Strengths
- Exceptional revenue growth of 46.3% YoY demonstrates market expansion
- Strong free cash flow of $33.4M with 32.5% FCF margin provides liquidity
- Conservative debt-to-equity ratio of 0.38x limits leverage risk
- Operating margin of 27.4% and net margin of 22.5% show profitable operations
LCNB Investment Risks to Consider
- Net income growth of only 0.6% YoY versus 46.3% revenue growth suggests operational deterioration, potential loan loss provisions, or asset quality issues
- Interest coverage ratio of 1.2x is critically low; operating income barely covers interest obligations with no margin for error
- ROA of 1.0% is weak for banking sector and indicates poor asset productivity relative to $2.2B asset base
- Significant disconnect between top-line growth and bottom-line profitability suggests underlying credit or efficiency challenges
Key Metrics to Watch
- Net income growth trajectory and drivers of disconnect from revenue growth
- Interest coverage ratio improvement or further deterioration
- Loan loss provision trends and non-performing asset ratios
- Return on Assets (ROA) movement toward sector benchmarks
LCNB Financial Metrics
💡 AI Analyst Insight
The 32.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
LCNB Profitability Ratios
LCNB vs Finance Sector
How LCNB CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is LCNB Overvalued or Undervalued?
Based on fundamental analysis, LCNB CORP has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
LCNB Balance Sheet & Liquidity
LCNB 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: LCNB CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.10 reflects profitable operations.
LCNB Growth Metrics (YoY)
LCNB Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2014 | $2.6M | $984.0K | $0.28 |
| Q1 2014 | $1.1M | $371.0K | $0.14 |
| Q3 2013 | $1.7M | $750.0K | $0.27 |
| Q2 2013 | $1.6M | $755.0K | $0.29 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
LCNB Capital Allocation
LCNB SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for LCNB CORP (CIK: 0001074902)
📋 Recent SEC Filings
❓ Frequently Asked Questions about LCNB
What is the AI rating for LCNB?
LCNB CORP (LCNB) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are LCNB's key strengths?
Claude: Exceptional revenue growth of 46.3% YoY demonstrates market expansion. Strong free cash flow of $33.4M with 32.5% FCF margin provides liquidity.
What are the risks of investing in LCNB?
Claude: Net income growth of only 0.6% YoY versus 46.3% revenue growth suggests operational deterioration, potential loan loss provisions, or asset quality issues. Interest coverage ratio of 1.2x is critically low; operating income barely covers interest obligations with no margin for error.
What is LCNB's revenue and growth?
LCNB CORP reported revenue of $102.7M.
Does LCNB pay dividends?
LCNB CORP pays dividends, with $12.5M distributed to shareholders in the trailing twelve months.
Where can I find LCNB SEC filings?
Official SEC filings for LCNB CORP (CIK: 0001074902) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is LCNB's EPS?
LCNB CORP has a diluted EPS of $1.63.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is LCNB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, LCNB CORP has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is LCNB stock overvalued or undervalued?
Valuation metrics for LCNB: ROE of 8.4% (sector avg: 12%), net margin of 22.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy LCNB stock in 2026?
Our dual AI analysis gives LCNB CORP a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is LCNB's free cash flow?
LCNB CORP's operating cash flow is $34.4M, with capital expenditures of $959.0K. FCF margin is 32.5%.
How does LCNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.5% (avg: 25%), ROE 8.4% (avg: 12%), current ratio N/A (avg: 1.2).