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Upturn AI SWOT - About
LCNB Corporation (LCNB)
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Upturn Advisory Summary
04/01/2025: LCNB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -26.49% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 210.67M USD | Price to earnings Ratio 15.34 | 1Y Target Price 16.5 |
Price to earnings Ratio 15.34 | 1Y Target Price 16.5 | ||
Volume (30-day avg) 24408 | Beta 0.78 | 52 Weeks Range 11.91 - 17.44 | Updated Date 04/1/2025 |
52 Weeks Range 11.91 - 17.44 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 5.96% | Basic EPS (TTM) 0.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.03% | Operating Margin (TTM) 36.25% |
Management Effectiveness
Return on Assets (TTM) 0.59% | Return on Equity (TTM) 5.53% |
Valuation
Trailing PE 15.34 | Forward PE 13.05 | Enterprise Value 335944480 | Price to Sales(TTM) 2.68 |
Enterprise Value 335944480 | Price to Sales(TTM) 2.68 | ||
Enterprise Value to Revenue 4.6 | Enterprise Value to EBITDA - | Shares Outstanding 14158000 | Shares Floating 13175399 |
Shares Outstanding 14158000 | Shares Floating 13175399 | ||
Percent Insiders 5.89 | Percent Institutions 38.49 |
Analyst Ratings
Rating 3 | Target Price 16.25 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
LCNB Corporation
Company Overview
History and Background
LCNB Corporation was founded in 1877 as the Lebanon Citizens National Bank. It has grown through organic expansion and acquisitions, evolving into a multi-bank holding company with a focus on community banking.
Core Business Areas
- Community Banking: Offers a range of financial services, including deposit accounts, loans, and wealth management, to individuals and businesses in its operating area.
Leadership and Structure
LCNB Corporation is led by a Board of Directors and an executive management team. The organizational structure is designed to support its community banking model.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans and lines of credit to businesses for various purposes, including working capital, equipment financing, and real estate. Competitors include larger national and regional banks.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Competitors include mortgage companies and other banks.
- Wealth Management: Provides investment advisory and financial planning services to individuals and families. Competitors include brokerage firms and independent financial advisors.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, with ongoing technological advancements and evolving customer expectations. Community banks face challenges from larger institutions and fintech companies.
Positioning
LCNB Corporation positions itself as a relationship-focused community bank, emphasizing personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services in LCNB's operating region includes all potential customers for loans, deposits, and wealth management. LCNB is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Conservative credit culture
- Stable deposit base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Reliance on traditional banking model
- Lower technological investment than peers
Opportunities
- Expanding into new markets through organic growth or acquisitions
- Leveraging technology to improve customer experience
- Increasing fee income through wealth management and other services
- Capitalizing on the growing demand for community banking
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic uncertainty
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
- U.S. Bancorp (USB)
Competitive Landscape
LCNB faces competition from larger regional and national banks with greater resources. Its advantage lies in its local presence and customer relationships.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Due to lack of real time data, analysis cannot be completed.
Future Projections: Due to lack of real time data, analysis cannot be completed.
Recent Initiatives: Due to lack of real time data, analysis cannot be completed.
Summary
LCNB Corporation is a community-focused bank with a stable deposit base and strong local relationships. Its smaller size compared to larger competitors limits its growth potential. Managing competition from larger banks and fintech companies will be critical for its future success.
Similar Companies
- HBAN
- FITB
- WSBC
- FFBC
Sources and Disclaimers
Data Sources:
- Company filings
- Market data sources
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About LCNB Corporation
Exchange NASDAQ | Headquaters Lebanon, OH, United States | ||
IPO Launch date 1999-10-26 | President, CEO & Director Mr. Eric J. Meilstrup | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 346 | Website https://www.lcnb.com |
Full time employees 346 | Website https://www.lcnb.com | ||
LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in the United States. The company offers checking and savings accounts; interest-bearing demand and money market deposit; and time certificates. It 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, the company offers trust administration, estate settlement, and fiduciary services; and investment management of 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. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.
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