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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.44
LCNB's Cash to Debt is ranked lower than
76% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. LCNB: 0.44 )
Ranked among companies with meaningful Cash to Debt only.
LCNB' s Cash to Debt Range Over the Past 10 Years
Min: 0.25  Med: 1.16 Max: No Debt
Current: 0.44
Equity to Asset 0.11
LCNB's Equity to Asset is ranked higher than
60% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LCNB: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
LCNB' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.1 Max: 0.13
Current: 0.11
0.09
0.13
Interest Coverage 4.83
LCNB's Interest Coverage is ranked higher than
79% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. LCNB: 4.83 )
Ranked among companies with meaningful Interest Coverage only.
LCNB' s Interest Coverage Range Over the Past 10 Years
Min: 0.57  Med: 1.88 Max: 4.83
Current: 4.83
0.57
4.83
F-Score: 3
M-Score: -2.09
WACC vs ROIC
5.98%
8.22%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 33.12
LCNB's Operating margin (%) is ranked higher than
54% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. LCNB: 33.12 )
Ranked among companies with meaningful Operating margin (%) only.
LCNB' s Operating margin (%) Range Over the Past 10 Years
Min: 28.48  Med: 30.72 Max: 33.62
Current: 33.12
28.48
33.62
Net-margin (%) 24.43
LCNB's Net-margin (%) is ranked higher than
56% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. LCNB: 24.43 )
Ranked among companies with meaningful Net-margin (%) only.
LCNB' s Net-margin (%) Range Over the Past 10 Years
Min: 21.92  Med: 23.72 Max: 27.1
Current: 24.43
21.92
27.1
ROE (%) 8.68
LCNB's ROE (%) is ranked higher than
51% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. LCNB: 8.68 )
Ranked among companies with meaningful ROE (%) only.
LCNB' s ROE (%) Range Over the Past 10 Years
Min: 8.07  Med: 10.55 Max: 13.75
Current: 8.68
8.07
13.75
ROA (%) 0.96
LCNB's ROA (%) is ranked higher than
56% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. LCNB: 0.96 )
Ranked among companies with meaningful ROA (%) only.
LCNB' s ROA (%) Range Over the Past 10 Years
Min: 0.96  Med: 1.04 Max: 1.25
Current: 0.96
0.96
1.25
Revenue Growth (3Y)(%) 2.00
LCNB's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. LCNB: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LCNB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2  Med: 3.2 Max: 13.9
Current: 2
-2
13.9
EBITDA Growth (3Y)(%) 0.50
LCNB's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. LCNB: 0.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LCNB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.8  Med: 0.85 Max: 11.3
Current: 0.5
-10.8
11.3
EPS Growth (3Y)(%) 4.40
LCNB's EPS Growth (3Y)(%) is ranked lower than
58% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. LCNB: 4.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LCNB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.8  Med: 2.6 Max: 13.1
Current: 4.4
-6.8
13.1
GuruFocus has detected 5 Warning Signs with LCNB Corp $LCNB.
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» LCNB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

LCNB Guru Trades in Q1 2016

Jim Simons 49,200 sh (+43.44%)
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Q2 2016

LCNB Guru Trades in Q2 2016

Jim Simons 85,700 sh (+74.19%)
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Q3 2016

LCNB Guru Trades in Q3 2016

Jim Simons 82,200 sh (-4.08%)
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Q4 2016

LCNB Guru Trades in Q4 2016

Jim Simons 89,300 sh (+8.64%)
» More
» Details

Insider Trades

Latest Guru Trades with LCNB

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:BWFG, OTCPK:ALRS, NAS:PWOD, NAS:MFSF, NAS:FCFP, NAS:MBTF, NAS:CVLY, NAS:FFNW, AMEX:BHB, NAS:BLMT, NAS:FBIZ, NAS:MBRG, OTCPK:CATC, NAS:SHBI, NAS:CSTR, OTCPK:ISBA, NAS:SMMF, NAS:SFST, NAS:PBNC, NAS:CVCY » details
LCNB Corp is a financial holding company, which through its subsidiaries operates as a full service community bank offering commercial and personal banking services.

LCNB Corp an Ohio corporation was formed in December, 1998. It is a financial holding company principal activity being the ownership of LCNB National Bank. The Bank was formed as a national banking association in 1877. It was acquired by the Company on April 11, 2000. The Bank is a full service community bank offering commercial and personal banking services. Deposit services include checking accounts, NOW accounts, savings accounts, Christmas and vacation savings, money market deposit accounts, Classic 50 accounts, individual retirement accounts, and certificates of deposit. Loan products offered include commercial loans, commercial and residential real estate loans, construction loans, various types of consumer loans, and Small Business Administration loans. Its residential mortgage lending activities consist mainly of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. Consumer lending activities include automobile, boat, home improvement and personal loans. It also offers indirect financing through various automotive, boat, and lawn and garden dealers. The Trust and Investment Management Division of the Bank performs complete trust administrative functions and offers agency and trust services, retirement savings products, and mutual fund investment products to individuals, partnerships, corporations, institutions and municipalities. Security brokerage services are offered by the Bank through arrangements with UVEST Financial Services, Inc., a registered broker/dealer. Licensed brokers offer a full range of investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance. Other services offered include safe deposit boxes, night depositories, travelers' checks, cashier's checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, personal computer based cash management services, 24 hour telephone banking, PC Internet banking, mobile banking, and other services tailored for both individuals and businesses. The Bank faces competition both in making loans and attracting deposits. It competes with other national and state banks, savings and loan associations, credit unions, finance companies, mortgage brokerage firms, realty companies with captive mortgage brokerage firms, mutual funds, insurance companies, brokerage and investment banking companies, and other financial intermediaries operating in its market. The Company and the Bank are subject to an array of banking laws and regulations that are intended mainly for the protection of the customers and depositors of subsidiaries rather than holders of securities.

Ratios

vs
industry
vs
history
P/E(ttm) 18.64
LCNB's P/E(ttm) is ranked lower than
69% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. LCNB: 18.64 )
Ranked among companies with meaningful P/E(ttm) only.
LCNB' s P/E(ttm) Range Over the Past 10 Years
Min: 8.08  Med: 13.1 Max: 20.02
Current: 18.64
8.08
20.02
PE(NRI) 18.64
LCNB's PE(NRI) is ranked lower than
68% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. LCNB: 18.64 )
Ranked among companies with meaningful PE(NRI) only.
LCNB' s PE(NRI) Range Over the Past 10 Years
Min: 8.08  Med: 13.1 Max: 20.02
Current: 18.64
8.08
20.02
Price/Owner Earnings (ttm) 17.81
LCNB's Price/Owner Earnings (ttm) is ranked lower than
61% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. LCNB: 17.81 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
LCNB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.93  Med: 10.6 Max: 20.69
Current: 17.81
5.93
20.69
P/B 1.65
LCNB's P/B is ranked lower than
74% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. LCNB: 1.65 )
Ranked among companies with meaningful P/B only.
LCNB' s P/B Range Over the Past 10 Years
Min: 0.86  Med: 1.16 Max: 2.43
Current: 1.65
0.86
2.43
P/S 4.55
LCNB's P/S is ranked lower than
72% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. LCNB: 4.55 )
Ranked among companies with meaningful P/S only.
LCNB' s P/S Range Over the Past 10 Years
Min: 1.76  Med: 3.07 Max: 4.76
Current: 4.55
1.76
4.76
PFCF 40.80
LCNB's PFCF is ranked lower than
89% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. LCNB: 40.80 )
Ranked among companies with meaningful PFCF only.
LCNB' s PFCF Range Over the Past 10 Years
Min: 6.32  Med: 10.8 Max: 42.64
Current: 40.8
6.32
42.64
POCF 21.22
LCNB's POCF is ranked lower than
76% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. LCNB: 21.22 )
Ranked among companies with meaningful POCF only.
LCNB' s POCF Range Over the Past 10 Years
Min: 5.66  Med: 9.48 Max: 22.2
Current: 21.22
5.66
22.2
EV-to-EBIT 15.15
LCNB's EV-to-EBIT is ranked lower than
60% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. LCNB: 15.15 )
Ranked among companies with meaningful EV-to-EBIT only.
LCNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.6  Med: 9.8 Max: 18.9
Current: 15.15
4.6
18.9
EV-to-EBITDA 12.96
LCNB's EV-to-EBITDA is ranked lower than
57% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. LCNB: 12.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
LCNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.8  Med: 7.9 Max: 14.9
Current: 12.96
3.8
14.9
Shiller P/E 19.34
LCNB's Shiller P/E is ranked higher than
56% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. LCNB: 19.34 )
Ranked among companies with meaningful Shiller P/E only.
LCNB' s Shiller P/E Range Over the Past 10 Years
Min: 9.29  Med: 12.61 Max: 20.2
Current: 19.34
9.29
20.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.76
LCNB's Dividend Yield is ranked higher than
50% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. LCNB: 2.76 )
Ranked among companies with meaningful Dividend Yield only.
LCNB' s Dividend Yield Range Over the Past 10 Years
Min: 2.63  Med: 4.45 Max: 8
Current: 2.76
2.63
8
Dividend Payout 0.55
LCNB's Dividend Payout is ranked lower than
80% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. LCNB: 0.55 )
Ranked among companies with meaningful Dividend Payout only.
LCNB' s Dividend Payout Range Over the Past 10 Years
Min: 0.47  Med: 0.59 Max: 0.66
Current: 0.55
0.47
0.66
Forward Dividend Yield 2.67
LCNB's Forward Dividend Yield is ranked lower than
53% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. LCNB: 2.67 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.76
LCNB's Yield on cost (5-Year) is ranked lower than
60% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. LCNB: 2.76 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LCNB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.63  Med: 4.45 Max: 8
Current: 2.76
2.63
8
3-Year Average Share Buyback Ratio -2.50
LCNB's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. LCNB: -2.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LCNB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13.8  Med: -0.05 Max: 1.9
Current: -2.5
-13.8
1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.15
LCNB's Price/Tangible Book is ranked lower than
81% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. LCNB: 2.15 )
Ranked among companies with meaningful Price/Tangible Book only.
LCNB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.15  Med: 1.57 Max: 3.41
Current: 2.15
1.15
3.41
Price/Projected FCF 1.10
LCNB's Price/Projected FCF is ranked lower than
73% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. LCNB: 1.10 )
Ranked among companies with meaningful Price/Projected FCF only.
LCNB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.67 Max: 1.15
Current: 1.1
0.52
1.15
Price/Median PS Value 1.48
LCNB's Price/Median PS Value is ranked lower than
78% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. LCNB: 1.48 )
Ranked among companies with meaningful Price/Median PS Value only.
LCNB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.67  Med: 1.05 Max: 1.64
Current: 1.48
0.67
1.64
Price/Graham Number 1.34
LCNB's Price/Graham Number is ranked lower than
77% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. LCNB: 1.34 )
Ranked among companies with meaningful Price/Graham Number only.
LCNB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.68  Med: 0.98 Max: 1.89
Current: 1.34
0.68
1.89
Earnings Yield (Greenblatt) (%) 6.55
LCNB's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. LCNB: 6.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LCNB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.3  Med: 10.2 Max: 21.5
Current: 6.55
5.3
21.5
Forward Rate of Return (Yacktman) (%) 4.91
LCNB's Forward Rate of Return (Yacktman) (%) is ranked lower than
69% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. LCNB: 4.91 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LCNB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4.5  Med: 8.6 Max: 16
Current: 4.91
4.5
16

More Statistics

Revenue (TTM) (Mil) $51.10
EPS (TTM) $ 1.25
Beta0.47
Short Percentage of Float0.60%
52-Week Range $15.69 - 25.00
Shares Outstanding (Mil)10.00
» More Articles for LCNB

Headlines

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