LCNB Corporation (LCNB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of LCNB Corporation stock $15.99, price $19.59, that is 18.4% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
LCNB Corporation
LCNB · USOur calculation puts a fair price 18% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $11.14 – $20.98 · fair‑value band $14.33 – $17.63 · the $19.59 price screens above the $15.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
Every Wednesday you see whether LCNB is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. It offers checking and savings accounts; interest-bearing demand and money market deposit; and time certificates.
Show moreShow less
The company also provides commercial and industrial, commercial and residential real estate, agricultural, construction, various types of consumer, and small business administration loans; residential mortgage loans, such as loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages; and consumer lending comprising automobile, boat, home improvement, and personal loans.
In addition, it offers trust administration, estate settlement, and fiduciary services; and investment management of trusts, agency accounts, individual retirement accounts, and foundations/endowments.
Further, the company offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services.
Additionally, it 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.
LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.
Stock analysis
LCNB Corporation (LCNB) currently trades at $19.59, while our model-based Fair Value estimate is $15.99, 18% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $19.10 per share, and 1 of the 6 models we run sit above the $19.59 price.
Bear case: the Asset-Based group reads lowest at $8.19, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $14.33 (bear) to $17.63 (bull), the price of $19.59 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
LCNB Corporation reported revenue of $124M in FY2025 versus $76.0M in FY2021, a compound +13.1%/yr. Reported net income was $23.1M in FY2025, compounding +2.5%/yr from FY2021.
Key figures
Market cap $277M Micro · P/E ratio 11.2 · P/S ratio 2.98 · EPS (TTM) $1.75 · Dividend yield 4.5% · Net margin 26.8% · Return on equity 9.0% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (medium confidence).
What moves the price
The share trades about 7% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −18%, LCNB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors bought shares worth $52,074, most recently on Oct 26, 2026. Over the same period, one person sold shares worth $36,376. Buying cluster
- SaleMichael Robert MillerExecutive Vice President2× since Feb 4, 2026: 4,576 shares, avg. $18.65$85,349Nov 4, 2026
- BuyAnne E KrehbielDirector1,000 shares at $19.79$19,793Oct 26, 2026
- BuyEric J MeilstrupCEO, Director3× since Nov 19, 2025: 1,300 shares, avg. $17.06$22,176Aug 27, 2026
- BuyRobert C Haines IIPresident2× since May 15, 2026: 1,000 shares, avg. $17.77$17,765Aug 17, 2026
- SaleWilliam G HuddleDirector3,000 shares at $15.51$46,530Nov 12, 2025
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
LCNB screens overvalued: fair value 18% below the price. Compare with China Merchants Bank Co →
Compare LCNB Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs LCNB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs LCNB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs LCNB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs LCNB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs LCNB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs LCNB |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs LCNB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs LCNB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs LCNB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs LCNB |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is LCNB Corporation (LCNB) overvalued or undervalued?
What is the fair value of LCNB?
What is the quality score of LCNB?
What is the price target for LCNB Corporation (LCNB)?
What is the LCNB Corporation stock forecast for 2026?
What is the revenue of LCNB Corporation (LCNB)?
Does LCNB Corporation pay a dividend?
How much is the dividend of LCNB Corporation (LCNB) and when is the ex-dividend date?
What is the intrinsic value of LCNB Corporation (LCNB)?
Is LCNB Corporation stock overvalued or undervalued in 2026?
Is fair value the same as the market price of LCNB?
How much is LCNB Corporation worth?
What do the bullish and bearish scenarios say about LCNB?
What is the P/E ratio of LCNB?
What is the PEG ratio of LCNB?
How solid is the balance sheet of LCNB Corporation (LCNB)?
How far is LCNB from its 52-week high?
Which stocks are comparable to LCNB Corporation?
Is LCNB Corporation stock attractive at the current price?
How is the fair value of LCNB calculated?
Is it still worth investing in stocks now?
What is the share price of LCNB Corporation (LCNB)?
What should I pay attention to with LCNB Corporation right now?
Where does the earnings growth of LCNB Corporation (LCNB) come from?
Key figures of LCNB Corporation
How large is the market capitalisation of LCNB Corporation (LCNB)?
What is the P/S ratio of LCNB Corporation (LCNB)?
What are the earnings per share of LCNB Corporation (LCNB)?
What is the dividend yield of LCNB Corporation (LCNB)?
What is the net margin of LCNB Corporation (LCNB)?
What is the return on equity of LCNB Corporation (LCNB)?
What is the EBIT return on assets of LCNB Corporation (LCNB)?
What is the operating margin of LCNB Corporation (LCNB)?
How fast is revenue growing at LCNB Corporation (LCNB)?
How fast are earnings growing at LCNB Corporation (LCNB)?
How much free cash flow does LCNB Corporation (LCNB) generate?
How much net debt does LCNB Corporation (LCNB) carry?
Watch LCNB Corporation in the live analysis
One click puts LCNB Corporation on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.