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LCNB Corp. LCNB | NASDAQ

$19.49 $0.44 | 2.31%

TREND SIGNAL: Signal available — unlock to view

Signal available — unlock to view

|2026-10-21

Next Earnings: Oct 28, 2026

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Company Overview:

Market Cap: $271.56M

Trailing PE: —

FWD PE: —

Payout Ratio (TTM): 51.1%

52-Week Range: $14.65 - $21.32

10 Year LCNB Performance Metrics:

Total Return (with DRIP): 70.2% (5.46% CAGR)

Total Return (no DRIP): 50.8% (4.19% CAGR)

Share Price: 8.6% (0.83% CAGR)

Yield on Cost (with DRIP): 7.69%

Total Invested: $10,000

Total Value (with DRIP): $17,021

Total Return $ (with DRIP): $7,021

Dividend Increase: 37.5% (3.32% CAGR)

Dividend Yield (FWD): 4.52% ($0.88)

LCNB 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

LCNB Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

LCNB Price CAGR:1Y: 31.42%2Y: 12.87%5Y: 2.24%10Y: 0.83%

LCNB Dividend Charts

LCNB - Dividends

LCNB Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 2.98%10Y: 3.24%

LCNB - Dividend Payout Ratio

LCNB Dividend Payout Ratio CAGR:1Y: -20.36%2Y: -64.62%5Y: -1.12%10Y: -1.92%

LCNB - Dividend to Free Cash Flow Ratio

LCNB Dividend to FCF Ratio CAGR:1Y: -28.97%2Y: 168.20%5Y: -12.22%10Y: -7.14%

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LCNB Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

LCNB - Revenue

LCNB Revenue CAGR:1Y: -19.38%2Y: -10.00%5Y: 6.84%10Y: 6.92%

LCNB - Earnings Per Share (EPS)

LCNB EPS CAGR:1Y: 26.19%2Y: 175.16%5Y: 5.27%10Y: 6.22%

LCNB - Net Income

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LCNB Net Income CAGR:1Y: 26.61%2Y: 184.63%5Y: 7.21%10Y: 9.70%

LCNB - EBITDA

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LCNB EBITDA CAGR:1Y: 77.64%2Y: 237.63%5Y: 72.16%10Y: 0.00%

LCNB - Free Cash Flow

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LCNB Free Cash Flow CAGR:1Y: 41.97%2Y: -62.46%5Y: 20.77%10Y: 15.86%

LCNB - Free Cash Flow / Share

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LCNB Free Cash Flow / Share CAGR:1Y: 41.25%2Y: -62.62%5Y: 18.26%10Y: 11.82%

LCNB - Operating Income

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LCNB Operating Income CAGR:1Y: 34.34%2Y: 220.19%5Y: 72.16%10Y: 52.85%

LCNB - Gross Profit

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LCNB Gross Profit CAGR:1Y: 9.21%2Y: 15.11%5Y: 6.61%10Y: 6.80%

LCNB - Shares Outstanding

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LCNB Shares Outstanding CAGR:1Y: 0.51%2Y: 0.44%5Y: 2.13%10Y: 3.60%

LCNB - Share Buybacks

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LCNB Share Buybacks CAGR:1Y: -76.81%2Y: 0.00%5Y: -65.48%10Y: 0.00%

LCNB - Stock-Based Comp

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LCNB Stock-Based Comp CAGR:1Y: 8.91%2Y: 9.35%5Y: 16.17%10Y: 16.44%

LCNB - Expenses

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LCNB Expenses CAGR:1Y: 478.72%2Y: 9.08%5Y: 16.71%10Y: -8.73%

LCNB - Revenue vs Net Income

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LCNB - EPS vs FCF / Share

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LCNB - EPS vs PE Ratio

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LCNB - FCF vs FCF / Share

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LCNB - FCF vs Stock Based Comp

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LCNB - Cash & Debt

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LCNB - Revenue by Segment

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LCNB Revenue CAGR:1Y: -19.38%2Y: -10.00%5Y: 6.84%10Y: 6.92%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

LCNB - REVENUE: Actual + Estimates

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LCNB Actual Revenue CAGR:1Y: -19.38%2Y: -10.00%5Y: 6.84%10Y: 6.92%

LCNB - EPS: Actual + Estimates

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LCNB Actual EPS CAGR:1Y: 26.19%2Y: 175.16%5Y: 5.27%10Y: 6.22%

LCNB - NET INCOME: Actual + Estimates

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LCNB Actual Net Income CAGR:1Y: 26.61%2Y: 184.63%5Y: 7.21%10Y: 9.70%

LCNB - EBITDA: Actual + Estimates

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LCNB Actual EBITDA CAGR:1Y: 77.64%2Y: 237.63%5Y: 72.16%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

LCNB - Net Profit Margin

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LCNB Net Profit Margin CAGR:1Y: 24.60%2Y: 181.71%5Y: -4.19%10Y: 0.26%

LCNB - Gross Profit Margin

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LCNB Gross Profit Margin CAGR:1Y: 7.51%2Y: 13.94%5Y: -4.73%10Y: -2.39%

LCNB - Price to Earnings

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LCNB Price to Earnings CAGR:1Y: -4.07%2Y: -59.83%5Y: -3.39%10Y: -4.54%

LCNB - Price To Sales Ratio

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LCNB Price To Sales Ratio CAGR:1Y: 19.77%2Y: 13.24%5Y: -7.41%10Y: -4.28%

LCNB - Return on Capital Employed

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LCNB Return on Capital Employed CAGR:1Y: 28.99%2Y: 229.44%5Y: 133.05%10Y: 71.58%

LCNB - Return on Invested Capital

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LCNB Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LCNB Dividends Info:

Annual Dividend: $0.88

Forward Yield: 4.52%

Ex-Dividend Date: 2026-09-01

Lifetime Dividends / Share: $18.45

LCNB Dividend History: Dates, Payments & Yield list

Below is a schedule of all LCNB dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/01/2026	09/03/2026	$0.220	4.67%	4.61%	$19.10
06/01/2026	06/03/2026	$0.220	5.29%	5.5%	$16.00
03/02/2026	03/04/2026	$0.220	5.08%	5.03%	$17.51
12/01/2025	12/03/2025	$0.220	5.53%	5.47%	$16.09
09/02/2025	09/04/2025	$0.220	5.71%	5.5%	$16.00
06/02/2025	06/04/2025	$0.220	6.19%	6.3%	$13.96
03/03/2025	03/05/2025	$0.220	5.8%	5.93%	$14.84
12/02/2024	12/04/2024	$0.220	5.07%	5.22%	$16.86
09/03/2024	09/05/2024	$0.220	5.86%	5.73%	$15.35
06/03/2024	06/05/2024	$0.220	6.24%	6.42%	$13.71
02/29/2024	03/04/2024	$0.220	6.25%	6.15%	$14.30
11/30/2023	12/04/2023	$0.220	6.04%	5.94%	$14.82
08/31/2023	09/04/2023	$0.210	5.63%	5.35%	$15.71
05/31/2023	06/02/2023	$0.210	6.18%	6.03%	$13.92
02/28/2023	03/02/2023	$0.210	4.6%	4.72%	$17.80
11/30/2022	12/15/2022	$0.210	4.61%	4.85%	$17.33
08/31/2022	09/15/2022	$0.200	5.01%	5.25%	$15.24
05/31/2022	06/15/2022	$0.200	5.05%	5.21%	$15.35
02/28/2022	03/15/2022	$0.200	4.4%	4.48%	$17.84
11/30/2021	12/15/2021	$0.200	4.18%	4.04%	$19.82
08/31/2021	09/15/2021	$0.190	4.35%	4.49%	$16.91
05/28/2021	06/15/2021	$0.190	4.31%	4.43%	$17.15
02/26/2021	03/15/2021	$0.190	4.48%	4.03%	$18.87
11/30/2020	12/15/2020	$0.190	5.14%	5.1%	$14.89
08/31/2020	09/15/2020	$0.180	4.91%	5.05%	$14.25
05/29/2020	06/15/2020	$0.180	4.84%	4.86%	$14.81
02/28/2020	03/16/2020	$0.180	4.55%	4.97%	$14.50
11/29/2019	12/16/2019	$0.180	3.89%	3.73%	$19.28
08/30/2019	09/16/2019	$0.170	4.05%	3.9%	$17.45
05/31/2019	06/17/2019	$0.170	4.01%	3.98%	$17.07
02/28/2019	03/15/2019	$0.170	4%	3.97%	$17.14
11/30/2018	12/17/2018	$0.170	4.24%	4.42%	$15.40
08/31/2018	09/17/2018	$0.160	3.44%	3.38%	$18.95
05/31/2018	06/15/2018	$0.160	3.27%	3.26%	$19.65
02/28/2018	03/15/2018	$0.160	3.46%	3.28%	$19.50
11/30/2017	12/15/2017	$0.160	3.05%	3.01%	$21.25
08/30/2017	09/15/2017	$0.160	3.49%	3.23%	$19.80
05/30/2017	06/15/2017	$0.160	3.29%	2.94%	$21.80
02/27/2017	03/15/2017	$0.160	2.83%	2.9%	$22.05
11/29/2016	12/15/2016	$0.160	3.11%	2.7%	$23.70
08/30/2016	09/15/2016	$0.160	3.67%	3.56%	$18.00
05/27/2016	06/15/2016	$0.160	3.76%	3.88%	$16.49
02/26/2016	03/15/2016	$0.160	3.9%	3.89%	$16.45
11/27/2015	12/15/2015	$0.160	3.88%	4.07%	$15.73
08/28/2015	09/15/2015	$0.160	4.08%	4.05%	$15.79
05/28/2015	06/15/2015	$0.160	3.91%	4.05%	$15.82
02/26/2015	03/16/2015	$0.160	4.21%	4.22%	$15.16
11/26/2014	12/15/2014	$0.160	4.35%	4.35%	$14.71
08/28/2014	09/15/2014	$0.160	4.25%	4.21%	$15.19
05/29/2014	06/16/2014	$0.160	4.2%	4.01%	$15.98
02/27/2014	03/17/2014	$0.160	3.65%	3.64%	$17.59
11/27/2013	12/16/2013	$0.160	3.61%	3.62%	$17.70
08/29/2013	09/16/2013	$0.160	3.25%	3.05%	$20.98
05/30/2013	06/17/2013	$0.160	3.37%	3.35%	$19.12
02/27/2013	03/15/2013	$0.160	4%	4.12%	$15.52
11/29/2012	12/17/2012	$0.160	4.65%	4.59%	$13.95
08/30/2012	09/17/2012	$0.160	4.7%	4.86%	$13.17
05/30/2012	06/15/2012	$0.160	4.9%	4.85%	$13.20
02/28/2012	03/15/2012	$0.160	4.86%	5.06%	$12.65
11/29/2011	12/15/2011	$0.160	5.02%	5.02%	$12.75
08/30/2011	09/15/2011	$0.160	5.29%	4.52%	$14.15
05/27/2011	06/15/2011	$0.160	5.2%	5.12%	$12.50
02/25/2011	03/15/2011	$0.160	5.46%	5.33%	$12.00
11/29/2010	12/15/2010	$0.160	5.45%	5.33%	$12.00
08/30/2010	09/15/2010	$0.160	5.12%	5.23%	$12.24
05/27/2010	06/15/2010	$0.160	5.33%	5.33%	$12.00
02/26/2010	03/15/2010	$0.160	5.57%	5.33%	$12.00
11/27/2009	12/15/2009	$0.160	5.82%	5.33%	$12.00
08/28/2009	09/15/2009	$0.160	6.1%	5.57%	$11.50
05/28/2009	06/15/2009	$0.160	6.74%	6.5%	$9.85
02/26/2009	03/16/2009	$0.160	7.53%	7.27%	$8.80
11/26/2008	12/15/2008	$0.160	6.39%	6.4%	$10.00
08/28/2008	09/15/2008	$0.160	6.99%	6.4%	$10.00
05/29/2008	06/16/2008	$0.160	5.84%	5.95%	$10.75
02/28/2008	03/17/2008	$0.160	4.92%	5.02%	$12.75
11/29/2007	12/17/2007	$0.155	4.86%	4.77%	$13.00
08/30/2007	09/17/2007	$0.155	4.46%	4.77%	$13.00
05/30/2007	06/15/2007	$0.155	4.59%	4.46%	$13.90
02/27/2007	03/15/2007	$0.155	3.76%	4.09%	$15.15
11/29/2006	12/15/2006	$0.150	3.29%	3.34%	$17.95
08/30/2006	09/15/2006	$0.150	3.24%	3.17%	$18.90
05/30/2006	06/15/2006	$0.300	6.32%	6.58%	$18.25
02/27/2006	03/15/2006	$0.150	3.19%	3.19%	$18.83
11/29/2005	12/15/2005	$0.145	3.03%	3.09%	$18.75
08/30/2005	09/15/2005	$0.145	3.09%	3.05%	$19.00
05/27/2005	06/15/2005	$0.145	3.01%	3.05%	$19.00
02/25/2005	03/15/2005	$0.145	3.13%	3.05%	$19.00
12/01/2004	12/15/2004	$0.140	2.9%	2.91%	$19.25
09/01/2004	09/15/2004	$0.140	3.01%	2.87%	$19.50
05/27/2004	06/15/2004	$0.140	3.09%	3.15%	$17.75
02/26/2004	03/15/2004	$0.138	3.16%	3.05%	$18.06
11/26/2003	12/15/2003	$0.138	3.21%	3.07%	$17.94
08/28/2003	09/15/2003	$0.131	3.22%	3.11%	$16.88
05/29/2003	06/13/2003	$0.131	3.82%	3.62%	$14.50
02/27/2003	03/14/2003	$0.131	3.89%	3.87%	$13.56
11/27/2002	12/16/2002	$0.131	4.2%	3.68%	$14.25
08/28/2002	09/16/2002	$0.125	4.52%	3.33%	$15.00
05/30/2002	06/17/2002	$0.125	4.55%	4.49%	$11.13
02/27/2002	03/15/2002	$0.125	4.7%	4.65%	$10.75
11/28/2001	12/14/2001	$0.125	4.76%	4.79%	$10.44
08/30/2001	09/14/2001	$0.113	4.39%	0%	$0.00
06/01/2001	06/15/2001	$0.113	4.5%	4.44%	$10.13
02/27/2001	03/15/2001	$0.113	5.21%	5.11%	$8.81
12/13/2000	12/15/2000	$0.225	9.47%	9.86%	$9.13
08/30/2000	09/06/2000	$0.300	12.97%	12.97%	$9.25
05/30/2000	06/06/2000	$0.300	12%	12%	$10.00
02/28/2000	03/06/2000	$0.300	8.28%	8.28%	$14.50

Projected Future Returns & Dividends for LCNB

Based on past 10-year performance, here are LCNB growth metrics:

Share price CAGR of +0.83%
Dividend CAGR of +3.25%

Using LCNB CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	LCNB (DRIP)	LCNB - No DRIP
Current Price	$19.49	$19.49
Start Shares	513.08	513.08
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	846.15	513.08
Dividends Payment	$0.30	$0.30
Annual Dividends	$1,025	$622
Yield on cost	10.25%	6.22%
Share Price	$21.17	$21.17
Total Dividends	$6,774	$5,235
Final Value	$17,916	$16,099

Estimated Future Value + Dividends - LCNB

NOTE: Above numbers are our estimate based on LCNB's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

LCNB Corp. (LCNB) had its IPO on 1999-10-26, and is traded on NASDAQ stock exchange.

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, agricultural loans, construction financing, and Small Business Administration (SBA) loans. Residential mortgage options are also available, encompassing loans for home purchases or refinancing, home equity lines of credit, and other consumer or commercial loans secured by residential real estate. Additionally, the institution provides various consumer credit facilities, including those for vehicles (automobiles, RVs, boats), home improvements, and personal needs. Beyond traditional banking, LCNB Corp. extends its services to include trust administration, estate settlement, and fiduciary responsibilities. It also offers investment management for a range of accounts, including trusts, agency accounts, individual retirement accounts (IRAs), and institutional funds like foundations and endowments. The company's investment division delivers a suite of products and services, such as financial needs assessments, mutual funds, securities trading, annuities, and life insurance, complemented by full-service security brokerage. To enhance convenience for both individual and business clients, LCNB Corp. provides a host of ancillary services. These include secure storage (safe deposit boxes, night depositories), transactional support (cashier's checks, bank-by-mail, ATMs, wire transfers, electronic funds transfer, cash and transaction services, debit cards), utility bill collection, notary public services, and sophisticated digital banking options like telephone banking, online (PC Internet) banking, and mobile banking, along with comprehensive cash management solutions. As of December 31, 2021, the company maintained a substantial presence with 32 physical locations throughout Ohio, featuring a main office and an operations center situated in Warren County. Its branch network extends across Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties. This physical infrastructure is further supported by 37 automated teller machines (ATMs). Established in 1877, LCNB Corp. has its headquarters located in Lebanon, Ohio.

LCNB website: https://www.lcnb.com

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DCF Model — LCNB

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $19.49

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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