LCNBLCNB +1.44%60 FCF Margin % is 11.75% as of Mar. 2026, which is 58% below its 10-year median of 28.09. GuruFocus rates LCNB with a GF Score™ of 60/100 and a GF Value™ of $16.52 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,504 Banks companies, LCNB ranks better than 65.03% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. LCNB's Free Cash Flow for the
three
months ended in Mar. 2026 was $2.77 Mil. LCNB's Revenue for the
three
months ended in Mar. 2026 was $23.54 Mil. Therefore, LCNB's FCF Margin % for the quarter that ended in Mar. 2026 was 11.75%.
The historical rank and industry rank for LCNB's FCF Margin % or its related term are showing as below:
LCNB'
s FCF Margin % Range Over the Past 10 Years
Min: 11.98 Med: 28.09 Max: 110.15
Current: 36.23
During the past 13 years, the highest FCF Margin % of LCNB was 110.15%. The lowest was 11.98%. And the median was 28.09%.
LCNB's FCF Margin % is ranked better than 65.03% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs LCNB: 36.23
LCNB FCF Margin % Related Terms
LCNB FCF Margin % Historical Data
* Premium members only.
The historical data trend for LCNB's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, LCNB's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
LCNB FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, LCNB's FCF Margin % distribution charts can be found below:
* The bar in red indicates where LCNB's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LCNB (LCNB) has a FCF Margin % of 11.75% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on LCNB and its competitors. This is 58% below median its historical median of 28.09. Over the past decade, LCNB's FCF Margin % has ranged from 11.98 to 110.15. According to the industry distribution chart, LCNB ranks #526 out of 1504 companies in the Banks industry, placing it in the top 35%.
Is LCNB's FCF Margin % too high?
LCNB's current FCF Margin % of 11.75% is 58% below median its 10-year median of 28.09. Over the past 10 years, this metric has ranged from a low of 11.98 to a high of 110.15. The Banks industry median FCF Margin % is 26.50. LCNB's value of 11.75% is 55.7% below this industry median. Based on the distribution chart, LCNB ranks #526 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, LCNB has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LCNB's FCF Margin % compare to CFFI and BPRN?
According to the Banks industry distribution chart, LCNB ranks #526 out of 1504 companies for FCF Margin %. This puts LCNB in the upper half of its industry. The industry median FCF Margin % is 26.50. LCNB's value of 11.75% is 55.7% below this benchmark. Historically, LCNB's own FCF Margin % has ranged from 11.98 to 110.15 over the past decade. While the company's 10-year median is 28.09 vs. the industry median of 26.50, LCNB has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LCNB's current FCF Margin % of 11.75% is 55.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on LCNB and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LCNB's current FCF Margin % is 11.75%, which is 58% below median its own 10-year median of 28.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LCNB stock overvalued right now?
Based on GuruFocus' analysis, LCNB (LCNB) is currently considered Fairly Valued. The stock's GF Value™ is $16.52, compared to a current price of $17.63 — trading 6.7% above its estimated fair value. The current FCF Margin % is 11.75%, which is 58% below median its 10-year median of 28.09 and 55.7% below the Banks industry median of 26.50. LCNB's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For LCNB (LCNB), the current FCF Margin % is 11.75% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is LCNB (LCNB) Overvalued in 2026?
Based on GuruFocus' analysis, LCNB stock appears to be overvalued.
The current stock price of $17.63 is trading 6.7% above its estimated GF Value™ of $16.52.
GuruFocus considers LCNB to be Fairly Valued.
Key valuation signals for LCNB:
FCF Margin %: 11.75% (58% below median its 10-year median of 28.09)
GF Value™: $16.52 vs. price of $17.63 (6.7% above fair value)
Industry Position: 55.7% below the Banks median (#526 of 1504)
No single metric tells the full story. See the LCNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LCNB Corp operates within the financial sector in the United States. As the holding company of the National Bank, it conducts the business of providing commercial and personal banking services. Its suite of banking products includes commercial and industrial loans, consumer loans, safe deposit boxes, night depositories, cashier's checks, utility bill collections, and notary public service. Besides, it provides the avenue of United States Treasury notes, the United States agency notes, certificates of deposit, and equity securities.
60GF Score
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