LCNB CORP (LCNB)
Financials · Community banking / Regional bank · NASDAQ
A regional community bank headquartered in Ohio providing traditional lending, deposit, and wealth management services to commercial, agricultural, and retail customers.
What LCNB CORP does
LCNB Corp is a regional financial holding company headquartered in Lebanon, Ohio, whose substantially all assets and operations are held through its wholly-owned subsidiary LCNB National Bank, a national banking association founded in 1877. The Bank provides traditional community banking services including commercial and industrial loans, commercial and residential real estate loans, agricultural loans, construction loans, consumer loans, Small Business Administration loans, and residential mortgage lending. Through its Wealth Management Division, LCNB also offers trust administration, estate settlement, fiduciary services, investment management, and security brokerage services.
Themes: community banking, wealth management, lending services
Fundamentals
- Price$19.43 as of 2026-08-21 close
- Market cap$277M as of 2026-08-21
- 1-year return+27.7% 2025-08-21 close $15.21 → 2026-08-21 close $19.43
- P/E12.39 as of 2026-08-24
- Net margin+26.7% as of 2026-08-24
- ROE+8.5% as of 2026-08-24
- Debt / equity0.03 as of 2026-08-24
- Revenue growth (YoY)+17.1% as of 2026-08-24
- Beta0.59 as of 2026-08-24
- Last reported earnings2026-07-15 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.9%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How LCNB compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, LCNB's dividend was covered by reported results (earnings payout 54%, free-cash-flow payout 37%). This describes past coverage, not a forecast.
- Earnings payout54% dividends / net income
- Free-cash-flow payout37% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How LCNB CORP looks technically
LCNB CORP (LCNB) is trading 14.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 241 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 34, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). It just made a new 20-day low, its first since 2026-07-21, breaking below its recent trading range.
Trend
8
| Distance from the 200-day | it is trading 14.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +14.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $18.79 | $18.79 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $17.05 | $17.05 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 11 calendar days ago — the swings before that are what the structure reading is measured on | 11 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 19.33. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 5 |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 241 trading days ago — a "golden cross", a bullish long-term signal | 241 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 34, with buyers in control | 34.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 48.9 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($19.33 to $20.54) — its "stochastic" reading is 8 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 8.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 13 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $21.32 | $21.32 |
|---|---|---|
| From the 52-week high | it is 8.9% below its 52-week high (its highest price of the past year) | -8.9% |
| Above the 52-week low | it is 35.8% above its 52-week low (its lowest price of the past year) | +35.8% |
| Below the 52-week high | it is 8.9% below its highest point of the past year | 8.9% |
| Since a 20-day breakout | it just made a new 20-day low, its first since 2026-07-21, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day high about 19 trading days ago | 19 sessions |
| All-time high | its highest closing price on record is $27.65 (set on 2013-07-09) | $27.65 |
| Given back of the 52-week move | over the past year its closes ranged ($14.35 to $20.98), and it has given back roughly a quarter of its rise from last year’s low — 23% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $16.67 to $16.88. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 23.4% |
| From the all-time high | it is 29.7% below its all-time high | -29.7% |
| Nearest price level | it is trading 8.0% above a support level at $17.88 — a price it turned at three times since 2024-11-25, most recently on 2026-02-04. Since 2024-08-21 it has 9 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -8.0% |
| All-time low | its lowest closing price on record is $7.70 (set on 2009-03-10) | $7.70 |
| Above the all-time low | it is 152.3% above its all-time low | +152.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 81% of it) | 19th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.5918 between its high and its low — about 3.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.5918 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $19.25 and $20.65 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $19.25 – $19.95 – $20.65 |
| Typical daily range (% of price) | its price moves about 3.1% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.0% |
| Stretch from the 200-day average | it is trading 4.0 daily ranges above its 200-day average price (14.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.0 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.77× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|---|---|
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.6% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.6% |
|---|---|---|
| Open gap | it gapped 3.4% above the previous close 50 sessions ago and has not traded back through the level it left behind at 16 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.4% |
| Gap filled | a 3.8% gap down opened on 2026-06-25 has been "filled" 40 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 40 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 3 sessions in a row, a -3.81% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 3 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.0 percentage points (the stock gained 0.4% while the market gained 2.3%) | -2.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 15.6 percentage points (the stock gained 18.7% while the market gained 3.1%) | +15.6% |
| vs market, 6 months | over the past 6 months this stock beat the market by 0.2 percentage points (the stock gained 11.3% while the market gained 11.1%) | +0.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 7.3 percentage points (the stock gained 27.7% while the market gained 20.5%) | +7.3% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.9% of the share price. | +5.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 10% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $17.74 — a volume-weighted average of daily closes over 156 sessions, not a true tick-by-tick VWAP. | +9.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-15 (its 8-K), so the typical buyer over that stretch is under water. That average is $19.87 — a volume-weighted average of daily closes over 28 sessions, not a true tick-by-tick VWAP. | -2.2% |
Price levels it has turned at before
LCNB last closed at $19.43 on 2026-08-21. Since 2024-08-21 it has turned at 9 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $17.88 | Support | 8.0% below the last close | turned there three times · 2024-11-25 to 2026-02-04 |
| $17.54 | Support | 9.7% below the last close | turned there five times · 2024-12-11 to 2026-06-12 |
| $17.18 | Support | 11.6% below the last close | turned there six times · 2024-11-06 to 2026-07-09 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.
This labelling fails — stops being a possible reading at all — if it closes below $19.33.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $20.92 and $23.49 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 4 trading days, since 2026-08-18.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · in a strong, established uptrend (ADX) · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$21.25 range $20.50 – $22.00
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for LCNB
- Consensus EPS estimate$0.475 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Changes in interest rate environments may negatively impact net interest margins and profitability.","Concentrated geographic scope increases vulnerability to regional economic conditions, adverse weather, and natural disasters.","Ability to grow loan and deposit balances in a highly competitive banking environment."]
What changed in the latest 10-Q
AI-assisted comparison of LCNB's 10-Q filed 2026-05-06 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Added statement in EVE analysis section: 'The down 200 BP and down 300 BP scenarios are slightly outside of LCNB's acceptable ranges' (newer filing, 2026-05-06)
- Added reference to Note 10 in commitments disclosure (newer filing, 2026-05-06); older filing referenced Note 11
- Removed:
- Removed statement: 'The changes in EVE for all rate shock scenarios are within LCNB's acceptable ranges' (older filing, 2025-11-05)
- Removed language about EVE analysis indicating increase in rates has negative effect and decrease has positive effect on EVE (older filing stated this explicitly; newer filing contains same substance but modified by the additional caveat)
- Reworded:
- Report date changed from 'September 30, 2025' to 'March 31, 2026' throughout (newer filing, 2026-05-06)
- Off-balance sheet ICS liquidity amount changed from '$71.2 million' to '$38 million' (newer filing, 2026-05-06)
- FHLB remaining borrowing capacity changed from '$154.7 million' to '$154.1 million' (newer filing, 2026-05-06)
- Commitments to extend credit changed from '$273.0 million' to '$288.7 million' (newer filing, 2026-05-06)
- IRSA analysis outcome changed from 'an increase in interest rates would have a negative effect on NII, while a decrease in interest rates would have a positive effect' to 'either an increase or a decrease in interest rates would have a positive effect on NII' (newer filing, 2026-05-06)
- All IRSA and EVE numerical data points updated to reflect March 31, 2026 vs. September 30, 2025 period (newer filing, 2026-05-06)
- Disclosure controls evaluation date changed from 'September 30, 2025' to 'March 31, 2026' (newer filing, 2026-05-06)
- Notes:
- Both filings contain identical boilerplate language regarding IRSA and EVE simulations and their limitations
- Regulatory capital table structure and qualifications text remain substantively the same across both periods
- Liquidity management narrative remains substantially unchanged except for updated figures and dates
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
1 open-market purchase and 0 open-market sales by insiders in the last 90 days.
- Last 90 days1 buy ($6778) · 0 sells — 1 buying insider
- Last 180 days2 buys ($14666) · 0 sells — 2 buying insiders
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-05-28. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about LCNB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding LCNB as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,206,273
- Reported value $18,805,791
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
LCNB had 140,759 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
LCNB had 0.99% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.33 days to cover at the same settlement.
- Reported short interest (shares) 140,759
- Short interest (% of shares outstanding) 0.99%
- Prior settlement (shares) 157,726
- Reported change -10.76%
- Days to cover (reported) 2.33
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Fifth Third Bancorp (FITB)
- Huntington Bancshares (HBAN)
- KeyCorp (KEY)
- First Financial Bancorp (FFBC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare LCNB vs…
Frequently asked questions
What does LCNB CORP (LCNB) do?
LCNB Corp is a regional financial holding company headquartered in Lebanon, Ohio, whose substantially all assets and operations are held through its wholly-owned subsidiary LCNB National Bank, a national banking association founded in 1877. The Bank provides traditional community banking services including commercial and industrial loans, commercial and residential real estate loans, agricultural loans, construction loans, consumer loans, Small Business Administration loans, and residential…
What sector is LCNB CORP (LCNB) in?
LCNB CORP (LCNB) is classified in the Financials sector. Its industry is Community banking / Regional bank. It trades on NASDAQ.
Does LCNB pay a dividend?
Yes — LCNB CORP (LCNB) pays a dividend, with an indicated yield of about 5.93% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are LCNB CORP's (LCNB) competitors?
Notable peers of LCNB CORP (LCNB) include Fifth Third Bancorp, Huntington Bancshares, KeyCorp and First Financial Bancorp. This peer set is informational only — not financial advice.
Is LCNB CORP (LCNB) overbought or oversold right now?
LCNB CORP (LCNB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 49, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on LCNB come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.