LCNB Corp.

LCNB Corp.

LCNBยทNASDAQ

$16.30

-1.6%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$232.14M
EPS1.6400
P/E Ratio9.94
Earnings Date07/28/2026
LCNB Corp.

LCNB Corp. Fair Value Envelope

LCNB ยท NASDAQ

Our analysis suggests that LCNB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $16.295, this represents a potential HIDDEN relative to our calculated worth for LCNB Corp..

Intrinsic Value
Current Price: $16.295

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$29.7M
+ Cash & Equivalents$18.4M
Firm Value$48.1M
- Debt$118.2M
Equity Value-$70.1M
/ Shares Outstanding14,175,900B
DCF Value-$5
OVERVALUED BY 130%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$17.2M
$8.6M
$4.3M
$2.1M
$1.1M
$537.4K
$268.7K
$134.4K
$67.2K
$33.6K
Maintenance CapEx
-$95.9K
-$48.0K
-$24.0K
-$12.0K
-$6.0K
-$3.0K
-$1.5K
-$749
-$375
-$187
Owner Earnings
$17.1M
$8.6M
$4.3M
$2.1M
$1.1M
$534.4K
$267.2K
$133.6K
$66.8K
$33.4K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$15.8M
$7.3M
$3.4M
$1.6M
$727.5K
$336.8K
$155.9K
$72.2K
$33.4K
$15.5K
Terminal Value represents 0.9% of Enterprise Value