Lcnb Corp - Understand $lcnb stock

$LCNB Market Cap: $239.5 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$78.12M

TTM

Gross Margin

Net Earnings

$7.085M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$2.347B

Q3 2024

Total Liabilities

$2.094B

Q3 2024

Book Value

$253.2M

Q3 2024

Cash

$39.37M

Q3 2024

P/E

33.80

Nov 12, 2024 EST

Free Cash Flow

$47.46M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Revenue	$79.60M	$65.75M	$61.18M	$63.78M	$65.19M	$54.59M	$44.46M	$43.75M	$42.66M	$39.48M	$6.445M	$29.94M	$32.09M
YoY Change	21.06%	7.48%	-4.08%	-2.17%	19.42%	22.79%	1.63%	2.56%	8.06%	512.52%	-78.47%	-6.71%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$79.60M	$65.75M	$61.18M	$63.78M	$65.19M	$54.59M	$44.46M	$43.75M	$42.66M	$39.48M	$6.445M	$29.94M	$32.09M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.989M	$2.744M	$1.931M	$1.834M	$1.770M	$1.776M	$1.549M	$1.210M	$1.427M	$1.479M	$1.456M	$1.256M	$1.182M	$2.810M	$2.430M	$2.100M	$2.190M	$2.250M	$2.580M	$2.970M	$3.210M	$2.550M	$2.260M	$2.000M	$1.890M	$1.430M
YoY Change	8.93%	42.1%	5.29%	3.62%	-0.34%	14.65%	28.02%	-15.21%	-3.52%	1.58%	15.92%	6.26%	-57.94%	15.64%	15.71%	-4.11%	-2.67%	-12.79%	-13.13%	-7.48%	25.88%	12.83%	13.0%	5.82%	32.17%	32.41%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$23.25M	$4.711M	$4.053M	$7.562M	$10.79M	$6.425M	$3.599M	$3.504M	$3.328M	$3.590M	$4.065M	$4.889M	$6.387M
YoY Change	393.53%	16.23%	-46.4%	-29.9%	67.91%	78.52%	2.71%	5.29%	-7.3%	-11.69%	-16.85%	-23.45%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Pretax Income	$15.26M	$26.95M	$25.59M	$24.16M	$23.03M	$17.79M	$17.24M	$16.93M	$15.70M	$13.26M	$11.72M	$11.07M	$9.532M	$11.63M	$9.930M	$8.560M	$7.890M	$8.680M	$8.950M	$9.050M	$9.170M	$9.060M	$8.510M	$7.330M	$7.900M	$7.890M
YoY Change	-43.37%	5.32%	5.9%	4.93%	29.4%	3.19%	1.88%	7.83%	18.42%	13.08%	5.94%	16.08%	-18.04%	17.12%	16.0%	8.49%	-9.1%	-3.02%	-1.1%	-1.31%	1.21%	6.46%	16.1%	-7.22%	0.13%	9.43%
Income Tax	$2.632M	$4.818M	$4.611M	$4.085M	$4.113M	$2.949M	$4.272M	$4.443M	$4.222M	$3.386M	$2.942M	$2.795M	$2.210M	$2.490M	$2.250M	$2.130M	$1.940M	$2.170M	$2.240M	$2.450M	$2.430M	$2.520M	$2.440M	$2.090M	$2.320M	$2.430M
% Of Pretax Income	17.25%	17.88%	18.02%	16.91%	17.86%	16.57%	24.77%	26.25%	26.9%	25.55%	25.1%	25.26%	23.19%	21.41%	22.66%	24.88%	24.59%	25.0%	25.03%	27.07%	26.5%	27.81%	28.67%	28.51%	29.37%	30.8%
Net Earnings	$12.63M	$22.13M	$20.97M	$20.08M	$18.91M	$14.85M	$12.97M	$12.48M	$11.47M	$9.869M	$8.780M	$8.270M	$8.115M	$9.370M	$7.770M	$6.600M	$5.950M	$6.510M	$6.710M	$6.600M	$6.740M	$6.540M	$6.070M	$5.240M	$5.580M	$5.460M
YoY Change	-42.93%	5.5%	4.48%	6.15%	27.4%	14.44%	3.93%	8.79%	16.26%	12.4%	6.17%	1.91%	-13.39%	20.59%	17.73%	10.92%	-8.6%	-2.98%	1.67%	-2.08%	3.06%	7.74%	15.84%	-6.09%	2.2%	8.33%
Net Earnings / Revenue	15.86%	33.65%	34.28%	31.48%	29.01%	27.19%	29.17%	28.53%	26.9%	25.0%	136.23%	27.62%	25.29%
Basic Earnings Per Share	$1.10	$1.93	$1.66	$1.55	$1.44	$1.24	$1.30	$1.26	$1.18	$1.06	$1.12	$1.23
Diluted Earnings Per Share	$1.10	$1.93	$1.66	$1.55	$1.44	$1.24	$1.29	$1.25	$1.17	$1.05	$1.10	$1.22	$1.203M	$1.390M	$1.160M	$986.5K	$934.1K	$1.003M	$1.015M	$985.1K	$985.4K	$947.8K	$857.3K	$738.0K	$785.9K	$769.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$42.30M	$39.29M	$41.70M	$41.70M	$40.20M	$32.60M	$34.90M	$30.20M	$22.10M	$20.70M	$19.90M	$16.60M	$17.30M	$16.00M	$15.70M	$15.60M	$14.20M	$12.10M	$12.60M	$12.20M	$12.00M	$11.70M	$11.60M	$10.50M	$8.200M	$8.100M
YoY Change	7.67%	-5.78%	0.0%	3.73%	23.31%	-6.59%	15.56%	36.65%	6.76%	4.02%	19.88%	-4.05%	8.13%	1.91%	0.64%	9.86%	17.36%	-3.97%	3.28%	1.67%	2.56%	0.86%	10.48%	28.05%	1.23%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$2.292B	$1.919B	$1.904B	$1.746B	$1.639B	$1.637B	$1.296B	$1.307B	$1.281B	$1.108B	$932.3M	$788.6M	$791.6M	$760.1M	$734.4M	$649.7M	$604.1M	$548.2M	$539.5M	$522.3M	$523.6M	$506.8M	$480.4M	$451.0M	$439.2M	$432.2M
YoY Change
Accounts Payable	$15.12M	$16.58M	$19.70M	$21.30M	$16.50M	$13.80M	$12.20M	$10.30M	$9.900M	$8.200M	$6.900M	$7.700M	$7.100M	$6.100M	$5.400M	$6.800M	$5.100M	$3.200M	$3.900M	$3.900M	$3.900M	$6.300M	$3.900M	$3.500M	$4.600M	$2.900M
YoY Change	-8.79%	-15.84%	-7.51%	29.09%	19.57%	13.11%	18.45%	4.04%	20.73%	18.84%	-10.39%	8.45%	16.39%	12.96%	-20.59%	33.33%	59.38%	-17.95%	0.0%	0.0%	-38.1%	61.54%	11.43%	-23.91%	58.62%
Accrued Expenses	$6.261M	$6.370M	$6.500M	$6.400M	$5.400M
YoY Change	-1.71%	-2.0%	1.56%	18.52%
Deferred Revenue
YoY Change
Short-Term Debt	$97.40M	$71.46M			$0.00	$4.200M	$0.00	$17.00M	$27.40M	$16.60M	$8.700M	$13.80M	$21.60M	$21.70M	$14.30M	$2.200M	$1.500M	$15.40M
YoY Change	36.3%				-100.0%		-100.0%	-37.96%	65.06%	90.8%	-36.96%	-36.11%	-0.46%	51.75%	550.0%	46.67%	-90.26%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$118.8M	$22.95M	$26.20M	$27.70M	$21.90M	$13.80M	$12.20M	$10.30M	$9.900M	$8.200M	$6.900M	$7.700M	$7.100M	$6.100M	$5.400M	$6.800M	$5.100M	$3.200M	$3.900M	$3.900M	$3.900M	$6.300M	$3.900M	$3.500M	$4.600M	$2.900M
YoY Change	417.57%	-12.41%	-5.42%	26.48%	58.7%	13.11%	18.45%	4.04%	20.73%	18.84%	-10.39%	8.45%	16.39%	12.96%	-20.59%	33.33%	59.38%	-17.95%	0.0%	0.0%	-38.1%	61.54%	11.43%	-23.91%	58.62%
Long-Term Debt	$12.15M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$13.70M	$21.40M	$23.10M	$25.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change											-100.0%	-35.98%	-7.36%	-7.6%
Other Long-Term Liabilities		$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Total Long-Term Liabilities	$12.15M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$13.70M	$21.40M	$23.10M	$25.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change											-100.0%	-35.98%	-7.36%	-7.6%
Total Liabilities	$2.056B	$1.718B	$1.665B	$1.505B	$1.411B	$1.418B	$1.145B	$1.164B	$1.140B	$982.4M	$813.5M	$706.6M	$713.6M	$689.4M	$668.8M	$591.6M	$547.5M	$497.2M	$487.5M	$470.0M	$471.2M	$454.8M	$430.9M	$404.7M	$396.6M	$390.0M
YoY Change	19.66%	3.21%	10.62%	6.65%	-0.47%	23.79%	-1.59%	2.06%	16.08%	20.76%	15.13%	-0.98%	3.51%	3.08%	13.05%	8.05%	10.12%	1.99%	3.72%	-0.25%	3.61%	5.55%	6.47%	2.04%	1.69%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	11.42M shares	11.41M shares	12.59M shares	12.91M shares	13.08M shares	11.94M shares	10.01M shares	9.948M shares	9.705M shares	9.297M shares	7.853M shares	6.717M shares	6.692M shares
Diluted Shares Outstanding	11.42M shares	11.41M shares	12.59M shares	12.91M shares	13.08M shares	11.94M shares	10.01M shares	9.976M shares	9.811M shares	9.406M shares	7.983M shares	6.802M shares	6.752M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $239.45 Million

About LCNB Corp

LCNB Corp. is a financial holding company, which offers commercial and personal banking services. The company is headquartered in Lebanon, Ohio and currently employs 345 full-time employees. The firm operates, through its wholly owned subsidiary, LCNB National Bank (the Bank), which serves customers and communities in Southwest and South-Central Ohio and Northern Kentucky. The Bank operates over 36 full-service banking offices in Ohio and one branch office in Northern Kentucky. The Bank operates in convenient banking locations in Butler, Clermont, Clinton, Fayette, Franklin, Hamilton, Montgomery, Preble, Ross, and Warren Counties, Ohio. The Bank also provides community-oriented banking services to customers in Northern Kentucky through a bank office in Boone County, Kentucky. The company provides an array of services for all personal and business banking needs, including checking, savings, online banking, personal lending, business lending, agricultural lending, business support, deposit and treasury, investment services, trust and IRAs and stock purchases. Its other services include safe deposit boxes, night depositories, and others.

Industry: National Commercial Banks Peers: C&F Financial Corp California BanCorp GRANDSOUTH BANCORPORATION Isabella Bank Corp MainStreet Bancshares Inc Meridian Corp Plumas Bancorp PNC Financial Services Group Inc Virginia National Bankshares Corp