LCNB

LCNB Corp.

Financial Services · $268M market cap

Verdict

Share price

$18.94

close of Oct 3, 2026

Fair value

$21.20

Sticker Price

Payback Price

$8.48

buy price

Undervalued

LCNB is Undervalued: at $18.94 it trades 11% below its fair value of $21.20. Its buy price (Payback Price) is $8.48, 55% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth8.0% a year✗
Equity per share growth5.2% a year✗
Sales growth6.5% a year✗
Free cash flow growth8.8% a year✗
Return on invested capital-12.0%✗

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Insider activity

Since Aug 17, 2026: 2 open-market purchases worth $18K. Why purchases matter

Purchases

About LCNB Corp.

LCNB Corp. functions as the parent entity of LCNB National Bank, delivering comprehensive banking solutions across Ohio. The bank offers a variety of deposit options, such as checking, demand, savings, NOW, and money market accounts, alongside certificates of deposit. Its lending portfolio is extensive, covering commercial and industrial financing, real estate loans for both commercial and residential properties…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works