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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.57
LCNB's Cash to Debt is ranked higher than
63% of the 1728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. LCNB: 0.57 )
LCNB' s 10-Year Cash to Debt Range
Min: 0.25   Max: No Debt
Current: 0.57

Equity to Asset 0.11
LCNB's Equity to Asset is ranked higher than
78% of the 2245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. LCNB: 0.11 )
LCNB' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.11

0.09
0.13
Interest Coverage 3.69
LCNB's Interest Coverage is ranked higher than
85% of the 2154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. LCNB: 3.69 )
LCNB' s 10-Year Interest Coverage Range
Min: 0.46   Max: 3.69
Current: 3.69

0.46
3.69
F-Score: 4
Z-Score: 0.27
WACC vs ROIC
5.07%
8.85%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 33.50
LCNB's Operating margin (%) is ranked higher than
73% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. LCNB: 33.50 )
LCNB' s 10-Year Operating margin (%) Range
Min: 28.48   Max: 38.05
Current: 33.5

28.48
38.05
Net-margin (%) 24.62
LCNB's Net-margin (%) is ranked higher than
74% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.25 vs. LCNB: 24.62 )
LCNB' s 10-Year Net-margin (%) Range
Min: 21.92   Max: 35.39
Current: 24.62

21.92
35.39
ROE (%) 9.18
LCNB's ROE (%) is ranked higher than
71% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. LCNB: 9.18 )
LCNB' s 10-Year ROE (%) Range
Min: 8.07   Max: 13.75
Current: 9.18

8.07
13.75
ROA (%) 1.01
LCNB's ROA (%) is ranked higher than
76% of the 2361 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. LCNB: 1.01 )
LCNB' s 10-Year ROA (%) Range
Min: 0.97   Max: 1.32
Current: 1.01

0.97
1.32
ROC (Joel Greenblatt) (%) 70.48
LCNB's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 2323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.11 vs. LCNB: 70.48 )
LCNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 41.34   Max: 191.91
Current: 70.48

41.34
191.91
Revenue Growth (3Y)(%) -1.20
LCNB's Revenue Growth (3Y)(%) is ranked higher than
64% of the 2005 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. LCNB: -1.20 )
LCNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2   Max: 13.8
Current: -1.2

-2
13.8
EBITDA Growth (3Y)(%) -2.20
LCNB's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1815 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. LCNB: -2.20 )
LCNB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 11.4
Current: -2.2

0
11.4
EPS Growth (3Y)(%) -0.90
LCNB's EPS Growth (3Y)(%) is ranked higher than
62% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. LCNB: -0.90 )
LCNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -6.8   Max: 13.5
Current: -0.9

-6.8
13.5
» LCNB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

LCNB Guru Trades in Q1 2014

Jim Simons 18,308 sh (+56.59%)
» More
Q2 2014

LCNB Guru Trades in Q2 2014

Jim Simons 56,000 sh (+205.88%)
» More
Q3 2014

LCNB Guru Trades in Q3 2014

Jim Simons 38,700 sh (-30.89%)
» More
Q4 2014

LCNB Guru Trades in Q4 2014

Jim Simons 41,400 sh (+6.98%)
» More
» Details

Insider Trades

Latest Guru Trades with LCNB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.80
LCNB's P/E(ttm) is ranked higher than
76% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.00 vs. LCNB: 14.80 )
LCNB' s 10-Year P/E(ttm) Range
Min: 8.09   Max: 22.89
Current: 14.8

8.09
22.89
Forward P/E 11.07
LCNB's Forward P/E is ranked higher than
88% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LCNB: 11.07 )
N/A
PE(NRI) 14.90
LCNB's PE(NRI) is ranked higher than
80% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.80 vs. LCNB: 14.90 )
LCNB' s 10-Year PE(NRI) Range
Min: 8.08   Max: 22.73
Current: 14.9

8.08
22.73
P/B 1.10
LCNB's P/B is ranked higher than
76% of the 3173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. LCNB: 1.10 )
LCNB' s 10-Year P/B Range
Min: 0.86   Max: 2.87
Current: 1.1

0.86
2.87
P/S 3.26
LCNB's P/S is ranked higher than
68% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. LCNB: 3.26 )
LCNB' s 10-Year P/S Range
Min: 1.76   Max: 5.81
Current: 3.26

1.76
5.81
PFCF 9.90
LCNB's PFCF is ranked higher than
85% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LCNB: 9.90 )
LCNB' s 10-Year PFCF Range
Min: 6.34   Max: 19.19
Current: 9.9

6.34
19.19
POCF 9.22
LCNB's POCF is ranked higher than
85% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 175.50 vs. LCNB: 9.22 )
LCNB' s 10-Year POCF Range
Min: 5.66   Max: 17.92
Current: 9.22

5.66
17.92
EV-to-EBIT 11.91
LCNB's EV-to-EBIT is ranked higher than
85% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.74 vs. LCNB: 11.91 )
LCNB' s 10-Year EV-to-EBIT Range
Min: 4.6   Max: 18.9
Current: 11.91

4.6
18.9
Shiller P/E 13.00
LCNB's Shiller P/E is ranked higher than
92% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LCNB: 13.00 )
LCNB' s 10-Year Shiller P/E Range
Min: 7.59   Max: 19.39
Current: 13

7.59
19.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.11
LCNB's Dividend Yield is ranked higher than
79% of the 2208 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. LCNB: 4.11 )
LCNB' s 10-Year Dividend Yield Range
Min: 2.74   Max: 8
Current: 4.11

2.74
8
Dividend Payout 0.61
LCNB's Dividend Payout is ranked higher than
67% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. LCNB: 0.61 )
LCNB' s 10-Year Dividend Payout Range
Min: 0.1   Max: 0.71
Current: 0.61

0.1
0.71
Yield on cost (5-Year) 4.10
LCNB's Yield on cost (5-Year) is ranked higher than
72% of the 2215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.78 vs. LCNB: 4.10 )
LCNB' s 10-Year Yield on cost (5-Year) Range
Min: 2.74   Max: 8
Current: 4.1

2.74
8
Share Buyback Rate -11.70
LCNB's Share Buyback Rate is ranked higher than
56% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. LCNB: -11.70 )
LCNB' s 10-Year Share Buyback Rate Range
Min: 1.8   Max: -11.7
Current: -11.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
LCNB's Price/Tangible Book is ranked higher than
72% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. LCNB: 1.50 )
LCNB' s 10-Year Price/Tangible Book Range
Min: 1.15   Max: 2.64
Current: 1.5

1.15
2.64
Price/DCF (Projected) 0.70
LCNB's Price/DCF (Projected) is ranked higher than
86% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. LCNB: 0.70 )
LCNB' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 1
Current: 0.7

0.52
1
Price/Median PS Value 1.10
LCNB's Price/Median PS Value is ranked higher than
84% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. LCNB: 1.10 )
LCNB' s 10-Year Price/Median PS Value Range
Min: 0.66   Max: 1.62
Current: 1.1

0.66
1.62
Price/Graham Number 1.00
LCNB's Price/Graham Number is ranked higher than
79% of the 3174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. LCNB: 1.00 )
LCNB' s 10-Year Price/Graham Number Range
Min: 0.68   Max: 1.88
Current: 1

0.68
1.88
Earnings Yield (Greenblatt) 8.40
LCNB's Earnings Yield (Greenblatt) is ranked higher than
78% of the 2339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. LCNB: 8.40 )
LCNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.3   Max: 21.5
Current: 8.4

5.3
21.5
Forward Rate of Return (Yacktman) 4.33
LCNB's Forward Rate of Return (Yacktman) is ranked higher than
61% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. LCNB: 4.33 )
LCNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.3   Max: 16.1
Current: 4.33

4.3
16.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 a range of 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 strong 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.
» More Articles for LCNB

Headlines

Articles On GuruFocus.com
Dividend Stocks at New 52-Week Highs with Low P/E Ratios Apr 24 2012 

More From Other Websites
LCNB Corp. Reports Financial Results for the Three Months Ended March 31, 2015 Apr 21 2015
LCNB Corp. Reports Financial Results for the Three Months Ended March 31, 2015 Apr 21 2015
LCNB CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Apr 20 2015
LCNB CORP Financials Mar 19 2015
LCNB CORP Files SEC form 10-K, Annual Report Mar 12 2015
LCNB Corp. Reports Financial Results for the Three and Twelve Months Ended December 31, 2014 Feb 27 2015
LCNB posts 4Q profit Jan 30 2015
LCNB posts 4Q profit Jan 30 2015
LCNB Corp. Reports Financial Results for the Three and Twelve Months Ended December 31, 2014 Jan 30 2015
LCNB CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Jan 30 2015
LCNB Corp. Declares First Quarter Dividend Jan 26 2015
LCNB CORP Files SEC form 8-K, Financial Statements and Exhibits Jan 02 2015
LCNB Corp. Agrees to Acquire BNB Bancorp, Inc. Dec 29 2014
LCNB Corp. Agrees to Acquire BNB Bancorp, Inc. Dec 29 2014
LCNB CORP Files SEC form 8-K, Financial Statements and Exhibits Dec 29 2014
LCNB Corp. Declares Fourth Quarter Dividend Nov 14 2014
LCNB Corp. Declares Fourth Quarter Dividend Nov 14 2014
LCNB CORP Files SEC form 10-Q, Quarterly Report Nov 06 2014
LCNB Corp. Reports Financial Results for the Three and Nine Months Ended September 30, 2014 Oct 22 2014
LCNB Corp. Reports Financial Results for the Three and Nine Months Ended September 30, 2014 Oct 22 2014

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