📊 LCNB Key Takeaways
Is Lcnb Corp. (LCNB) a Good Investment?
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.
LCNB shows resilient profitability (22.5% net margin, 1.0% ROA) and strong free cash generation supported by low capex and modest long-term leverage. However, the 46% revenue growth is not translating to earnings (+0.6% net income), indicating funding-cost pressure and margin compression, as echoed by a thin 1.2x interest coverage. With ROE at 8.4% and limited visibility into credit quality, fundamentals look balanced pending evidence of margin stabilization.
Why Buy Lcnb Corp. Stock? 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
- Solid profitability metrics for a community bank (ROA ~1.0%, net margin 22.5%)
- Strong free cash flow with minimal capital intensity
- Conservative use of long-term debt (D/E 0.38x)
LCNB Stock Risks: Lcnb Corp. Investment Risks
- 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
- Margin compression and funding cost pressure despite strong revenue growth
- Low interest coverage (1.2x) signals rate sensitivity
- Limited transparency here on credit quality and potential loan loss provisions
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
- Net interest margin (NIM) and deposit cost trends
- Provision for credit losses and nonperforming asset ratios
Lcnb Corp. (LCNB) Financial Metrics & Key Ratios
💡 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 Profit Margin, ROE & Profitability Analysis
LCNB vs Finance Sector: How Lcnb Corp. Compares
How Lcnb Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Lcnb Corp. Stock Overvalued? LCNB Valuation Analysis 2026
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 Corp. Balance Sheet: LCNB Debt, Cash & Liquidity
LCNB Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
LCNB Quarterly Earnings & 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 Corp. Dividends, Buybacks & Capital Allocation
LCNB SEC Filings: Latest 10-K & 10-Q 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 a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 68% combined 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. ChatGPT: Solid profitability metrics for a community bank (ROA ~1.0%, net margin 22.5%). Strong free cash flow with minimal capital intensity.
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. ChatGPT: Margin compression and funding cost pressure despite strong revenue growth. Low interest coverage (1.2x) signals rate sensitivity.
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 68% 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).