LCNB Corp. (LCNB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Southern California Bancorp (San Diego)

Esquire Financial Holdings, Inc.

Northeast Community Bancorp, Inc.

First Financial Corp. (Indiana)

Arrow Financial Corp.

The First Bancorp, Inc. (Maine)

Capital Bancorp, Inc. (Maryland)

LCNB Corp.

The First of Long Island Corp.

American National Bankshares, Inc. (Virginia)

Alerus Financial Corp.

Why is LCNB Corp. ?

High Profitability with a Net Interest Margin of 4.69%

Positive results in Jun 26

NII(Q) Highest at USD 19.79 MM
ROCE(HY) Highest at 1.08%
CREDIT DEPOSIT RATIO(HY) Highest at 93.42%

With ROA of 0.62%, it has a very attractive valuation with a 0.91 Price to Book Value

Over the past year, while the stock has generated a return of 38.76%, its profits have risen by 38.8% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 47.46%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 5.71% over the previous quarter.

Market Beating Performance

The stock has generated a return of 38.76% in the last 1 year, much higher than market (S&P 500) returns of 22.36%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to LCNB Corp. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is LCNB Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

LCNB Corp.

38.76%

1.40

31.77%

S&P 500

22.36%

1.70

13.18%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.01%

EBIT Growth (5y)

4.72%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

53.92%

Pledged Shares

Institutional Holding

41.75%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.91

EV to EBIT

11.25

EV to EBITDA

10.14

EV to Capital Employed

0.92

EV to Sales

2.79

PEG Ratio

0.28

Dividend Yield

ROCE (Latest)

8.15%

ROE (Latest)

8.43%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NII(Q)

Highest at USD 19.79 MM

ROCE(HY)

Highest at 1.08%

CREDIT DEPOSIT RATIO(HY)

Highest at 93.42%

NET SALES(Q)

Highest at USD 26.33 MM

OPERATING PROFIT(Q)

Highest at USD 9.19 MM

OPERATING PROFIT MARGIN(Q)

Highest at 34.91 %

PRE-TAX PROFIT(Q)

Highest at USD 9.19 MM

NET PROFIT(Q)

Highest at USD 7.45 MM

EPS(Q)

Highest at USD 0.53

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 38.61 MM

ROCE(HY)

Lowest at 1.08%

GROSS NPA (%)

Here's what is working for LCNB Corp.

NII

Highest at USD 19.79 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 26.33 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 9.19 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 34.91 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 9.19 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 7.45 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.53

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 93.42%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

CASA

Highest at 11.62%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for LCNB Corp.

Non Performing Loans (%)

Highest at 0.34%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Cash Flow

Lowest at USD 38.61 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)