LCNB · Lcnb Corp
$19.53
-0.26 (-1.31%)
At close · Aug 20
Market Cap
$282.11M
Shares
14.25M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$19.53
Open$19.68
Day$19.46–19.93
52W close$14.35–20.98
Avg vol 30d48K
Short int141K · 1.0% float · 2.3d
Short vol56%
DataJan 2020–Aug 2026
Filing10-Q · Aug 5
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 5, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+14%
above
Price vs 50-day avg
+4%
above
RSI (14)
50
neutral
MACD trend
Negative
52-week position
78%
mid-range
Momentum
relative strength
1-month return
0%
trailing
6-month return
+15%
trailing
YTD return
+19%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $19 › 200d $17 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +7 funds added
Insider flow
Accumulating
Net +$16.7K over 90 days · 0% sells
Short interest
Falling
0.99% of float · ▼ -10.8% MoM · 2.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
107 holders — near 3-yr high, broad support
Squeeze score
43
elevated · 0–100
Fundamentals
EPS growth
+68%
Y/Y
Free cash flow
$33.4M
Valuation
P/E 11.4
below peers
Balance sheet
$82.8M
net debt
Quant / Vol
risk profile
Volatility
31%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
3.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+14%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
50
Neutral
MACD trend
Negative
Bearish
52-week position
78%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $19 › 200d $17 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +7 funds added
Insider flow
Accumulating
Net +$16.7K over 90 days · 0% sells
Short interest
Falling
0.99% of float · ▼ -10.8% MoM · 2.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
107 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $14
Now $20 · 78%
Range high $21
vs 200-day avg +14%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Fiduciary income | $2.68M | FY2026 Q2 | +18.5% |
|
|
|||
| Book value per share | $19.69 | 6/30/2026 | — |
| Cash management | $37.18M | 6/30/2026 | — |
| Equity to assets ratio | 12.62% | 6/30/2026 | — |
| Investment services (fair value) | $531.9M | 6/30/2026 | — |
| Mortgage loans serviced | $308.07M | 6/30/2026 | — |
| Net charge-offs (recoveries) | -$1K | 6/30/2026 | — |
| Net charge-offs to average loans | 0.32% | six-month period ended June 30, 2026 | — |
| Non-accrual loans | $5.75M | 6/30/2026 | — |
| Pre-provision, pre-tax net income | $9.47M | 6/30/2026 | — |
| Return on average equity | 10.78% | 6/30/2026 | — |
| Tangible common equity (TCE) | $183.83M | 6/30/2026 | — |
| Tax equivalent net interest margin | 3.99% | Q2 2026 | — |
| Tax-equivalent net interest income | $19.83M | 6/30/2026 | — |
| Total nonperforming loans | $5.85M | 6/30/2026 | — |
| Trust and investments (fair value) | $1.15B | 6/30/2026 | — |
| Net charge-offs | $2.7M | Q1 2026 | — |
| Net interest margin | 3.83% | Q1 2026 | — |
| Pre-tax, pre-provision for credit losses net income non-GAAP | $7.7M | Q1 2026 | — |
| Efficiency ratio (tax equivalent) | 67.17% | twelve months ended December 31, 2025 | — |
| LCNB Wealth Management assets | 1.56B | twelve months ended December 31, 2025 | — |
| Loans to deposits ratio | 90.85% | twelve months ended December 31, 2025 | — |
| Net interest margin (tax equivalent) | 3.69% | three months ended December 31, 2025 | — |
| Nonperforming loans to total loans | 0.14% | twelve months ended December 31, 2025 | — |
| Return on average assets | 1.02% | twelve months ended December 31, 2025 | — |
| Tangible book value per share | $12.45 | twelve months ended December 31, 2025 | — |
| Total assets managed | 4.14B | twelve months ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
LCNB
this stock
Lcnb Corp
|
$282.11M | +19.2% | — | 11.4 | 1.0% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| LCNB | -2.3% | -0.1% | +15.0% | -1.4% | +19.2% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -0.3% | -3.4% | +3.8% | -3.5% | +7.3% |
Capital returns
Latest dividend
$0.22
/ share · ex Jun 1, 2026
Paid (TTM)
$0.88
/ share · 4 payouts
Dividend yield (TTM, derived)
4.51%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.