Market cap
$278 Mln
Revenue (TTM)
$125 Mln
P/E Ratio
11.1
P/B Ratio
1
Div. Yield
4.6 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 5.19 | 1.60 | -2.20 | 14.00 | 9.94 |
| EBIT | -- | -- | -18.64 | -6.50 | -3.72 |
| Net Profit | 68.63 | 26.61 | 15.82 | 5.59 | 3.65 |
| EPS | 68.24 | 25.97 | 15.54 | -2.29 | 1.68 |
| Book Value | -- | -- | 8.29 | 2.75 | 0.72 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 17.15 | 23.76 | 16.66 | 22.66 | 12.73 |
| Net Margin
| -- | -- | 19.69 | -- | -- |
| Return on equity
| 6.70 | 7.78 | 8.85 | 8.77 | 5.53 |
| Return on Capital
| 4.07 | 5.65 | -- | 5.73 | 3.11 |
| Return on Assets
| 0.73 | 0.90 | 0.96 | 1.02 | 0.59 |
| Debt to Equity (x)
| -- | -- | 0.37 | 0.43 | 0.64 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
--
|
5.73
|
3.11
|
3.37
|
8.01
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
8.85
Lower than Peers by 1.04
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
8.85
|
8.77
|
5.53
|
5.79
|
10.07
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
0.96
Higher than Peers by 0.00
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
0.96
|
1.02
|
0.59
|
0.60
|
1.16
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
16.66
Lower than Peers by 4.19
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
16.66
|
22.66
|
12.73
|
16.06
|
33.67
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
19.69
Lower than Peers by 0.42
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
19.69
|
18.61
|
10.76
|
13.29
|
27.65
|
|
Peer Median
|
20.11
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
-2.20
Lower than Peers by 13.31
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
-2.20
|
-0.01
|
0.32
|
0.19
|
0.05
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
-18.64
Lower than Peers by 7.14
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
-18.64
|
76.38
|
4.59
|
-43.37
|
5.32
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
15.82
Higher than Peers by 8.54
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
15.82
|
71.36
|
6.84
|
-42.93
|
5.50
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
15.54
Higher than Peers by 9.70
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
15.54
|
0.71
|
-0.06
|
-0.48
|
0.16
|
|
Peer Median
|
5.84
|
--
|
--
|
--
|
--
|
Book Value Growth
5.96
Lower than Peers by 2.77
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
5.96
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.74
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.37
Higher than Peers by 0.16
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
0.37
|
0.43
|
0.64
|
0.92
|
0.48
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
--
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
--
|
--
|
0.38
|
0.41
|
0.36
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.13
Lower than Peers by 0.17
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
0.13
|
0.55
|
0.08
|
0.17
|
0.19
|
|
Peer Median
|
0.30
|
--
|
--
|
--
|
--
|
Quick Ratio
0.13
Lower than Peers by 0.22
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
0.13
|
--
|
--
|
0.15
|
0.21
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
2.06
Higher than Peers by 0.31
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
2.06
|
0.87
|
0.36
|
0.66
|
5.72
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
6.23
Lower than Peers by 0.70
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
6.23
|
6.41
|
6.94
|
8.85
|
9.35
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.05
Higher than Peers by 0.00
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
0.05
|
0.05
|
0.05
|
0.05
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
--
|
24.50
|
24.91
|
30.54
|
35.32
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
--
|
--
|
222.48
|
-14.80
|
-2,073.19
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
--
|
--
|
--
|
239.09
|
1,336.72
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
--
|
--
|
--
|
-223.36
|
-3,374.59
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
11.10
Lower than Peers by 1.85
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
11.10
|
10.00
|
15.82
|
15.46
|
9.12
|
|
Peer Median
|
12.95
|
--
|
--
|
--
|
--
|
Price / Book Value
0.98
Lower than Peers by 0.34
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
0.98
|
0.84
|
0.84
|
0.83
|
1.01
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
4.61
Higher than Peers by 2.16
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
4.61
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.45
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
--
|
3.43
|
14.48
|
5.24
|
-0.47
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
278
Lower than Peers by 39
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
LCNB Corporation (LCNB)
|
278
|
--
|
--
|
--
|
--
|
|
Peer Median
|
317
|
--
|
--
|
--
|
--
|