LCNB Corporation (LCNB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
LCNB Corporation stock (LCNB) is currently trading at $15.97. LCNB Corporation PE ratio is 9.74. LCNB Corporation PS ratio (Price-to-Sales) is 2.51. Analyst consensus price target for LCNB is $18.00. WallStSmart rates LCNB as Underperform.
- LCNB PE ratio analysis and historical PE chart
- LCNB PS ratio (Price-to-Sales) history and trend
- LCNB intrinsic value — DCF, Graham Number, EPV models
- LCNB stock price prediction 2025 2026 2027 2028 2029 2030
- LCNB fair value vs current price
- LCNB insider transactions and insider buying
- Is LCNB undervalued or overvalued?
- LCNB Corporation financial analysis — revenue, earnings, cash flow
- LCNB Piotroski F-Score and Altman Z-Score
- LCNB analyst price target and Smart Rating
LCNB Corporation
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LCNB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · LCNB Corporation (LCNB)
LCNB trades 56% above its Graham fair value of $11.08, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
LCNB Corporation (LCNB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and peg ratio. Fundamentals are solid but monitor weak areas for improvement.
LCNB Corporation (LCNB) Key Strengths (3)
Keeps $35 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $26 of every $100 in revenue as net profit
Supporting Valuation Data
LCNB Corporation (LCNB) Areas to Watch (7)
Earnings declining -7.10%, profits shrinking
Very expensive relative to growth, significant premium
Revenue growing slowly at 3.50% annually
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.51x sales
Moderate institutional interest at 40.18%
LCNB Corporation (LCNB) Detailed Analysis Report
Overall Assessment
This company scores 54/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 3 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 3.1/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.79) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.90%, Profit Margin at 25.70%.
The Bear Case
The primary concerns are EPS Growth, PEG Ratio, Revenue Growth. Some valuation metrics including PEG Ratio (11.81), Price/Sales (2.51) suggest expensive pricing. Growth concerns include Revenue Growth at 3.50%, EPS Growth at -7.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.77%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.77% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (EPS Growth, PEG Ratio). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LCNB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LCNB's Price-to-Sales ratio of 2.51x trades 48% below its historical average of 4.83x (1th percentile). The current valuation is 81% below its historical high of 13.05x set in Jan 2007, and 5% above its historical low of 2.4x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for LCNB Corporation (LCNB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
LCNB Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 90M with 350% growth year-over-year. Profit margins are strong at 25.7%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 350% YoY, reaching 90M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 877.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can LCNB Corporation maintain 350%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 5.8%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 118M is significantly higher than cash (18M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact LCNB Corporation.
Bottom Line
LCNB Corporation offers an attractive blend of growth (350% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About LCNB Corporation(LCNB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
LCNB Corp. The company is headquartered in Lebanon, Ohio.