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. The company's loan products comprise commercial and industrial, commercial and residential real estate, agricultural, construction, and small business administration loans; and residential mortgage loans that consists of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. It also offers consumer loans, such as automobile, recreational vehicles, boat, home improvement, and personal loans. In addition, the company provides trust administration, estate settlement, and fiduciary services; and investment management services for trusts, agency accounts, individual retirement accounts, and foundations/endowments. Further, it offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services. Additionally, the company 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. As of December 31, 2021, it operated 32 offices, including a main office in Warren County; branch offices in Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties; and an operations center in Warren County, Ohio, as well as 37 ATMs. The company was founded in 1877 and is headquartered in Lebanon, Ohio.

LCNB Corp.

LCNB National Bank provides personal and commercial banking services, investment services and wealth management. self-described as a provider of various financial solutions.

Metric
Company Name	LCNB Corp.
Symbol	LCNB
MSH ID	COM:LCNB
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	345
Website	lcnb.com
LinkedIn
Founders

Metric
Market Cap	192.20M
Enterprise Value
Monthly Web Traffic	13.14K
Web Traffic Growth	-0.59
Valuation
Raised Capital

Metric
Revenue	95.01M
Revenue (LTM)
Revenue (NTM)
Gross Profit	95.01M
EBITDA	532K
Operating Income	-1.88M
Net Income	12.63M
EPS	1.10
Diluted EPS	1.10
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1
Operating Profit Margin	0.30
EBITDA Margin	0.01
Net Profit Margin	0.16
Return on Equity	0.06
Return on Assets	0.01
Return on Capital Employed	0.02

COM:LCNB

LCNB National Bank

Last Close

16.89

22/11 21:00

Market Cap

192.20M

Beta: -

Volume Today

87.03K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	8.15
P/B Ratio	0.78
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	2.59
EV Multiple	22.62

Metric
Days Sales Outstanding	43.17
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.04

Metric
Operating Cash Flow	20.66M
Free Cash Flow	18.06M
Cash Flow to Debt	0.36
Operating Cash Flow/Sales	0.56
Free Cash Flow Yield	0.07

Metric
Cash & Equivalents	39.72M
Accounts Receivable	245K
Inventory	28.13M
Goodwill	79.51M
Debt to Capitalization	0.47
Debt to Assets	0.08
Current Ratio	10.87
Quick Ratio	0.40

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01
R&D to Revenue
SG&A to Revenue	0.43