LCNB Corporation Common Stock (LCNB)

FairStock Score: 53/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $18.64 on 2026-10-13, LCNB is a small regional bank holding company valued at $265.7M. FairStock calculates it at about 10.8 times the supplied $1.73 EPS and 0.95 times book, so the market is not paying a premium. The 4.73% dividend yield and 0.58 beta suggest a steady, income-oriented bank, though the payout needs earnings coverage. ROE is 9.02%, respectable but not exceptional; I prefer consistent mid-teens or better before calling a bank a high-quality compounder. Filed results are mixed. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $7.5M and diluted EPS $0.53, better than $5.9M and $0.41 in fiscal Q2 2025. For FY2025, net income was $23.1M and diluted EPS $1.63, up from $13.5M and $0.97 in FY2024. However, FY2023 net income was $12.6M and diluted EPS $1.10, so the longer record is uneven. The supplied -7.58% profit growth and the Lynch slow-grower label, based on 2.9% annual profit growth over five years, caution against extrapolating one good year. The Piotroski F-Score is 5/9 and FairStock Score is 53/100—both middling. The data lacks CET1, net interest margin, and combined ratio, the bank-specific measures I would use to judge capital and credit risk. A price below book can be a bargain if loan quality is sound, but it can also signal doubt. I would want more evidence on underwriting and deposit costs before calling it cheap.

In plain English: LCNB is a small bank holding company that runs a community bank and pays a high dividend. The business looks average: it makes money, but profits have bounced around and are not growing quickly. The stock price looks modest compared with its earnings and accounting value, but that may reflect risks in lending that the data does not show.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer