ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is LCNB Corp. ?
1
High Profitability with a Net Interest Margin of 4.69%
2
Flat results in Mar 26
- OPERATING PROFIT(Q) Lowest at USD 5.32 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 20.92 %
- PRE-TAX PROFIT(Q) Lowest at USD 5.32 MM
3
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 19.11%, its profits have risen by 38.8% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 41.75%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.12% over the previous quarter.
Real-Time Research ReportHow 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, Medium Return
Absolute
Risk Adjusted
Volatility
LCNB Corp.
19.11%
0.91
29.12%
S&P 500
22.24%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.01%
EBIT Growth (5y)
4.72%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
53.92%
Pledged Shares
0
Institutional Holding
41.75%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
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
NA
ROCE (Latest)
8.15%
ROE (Latest)
8.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NII(Q)
Highest at USD 18.85 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 92.33%
-7What is not working for the Company
OPERATING PROFIT(Q)
Lowest at USD 5.32 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 20.92 %
PRE-TAX PROFIT(Q)
Lowest at USD 5.32 MM
NET PROFIT(Q)
Lowest at USD 4.42 MM
EPS(Q)
Lowest at USD 0.31
Here's what is working for LCNB Corp.
NII
Highest at USD 18.85 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Credit Deposit Ratio
Highest at 92.33%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for LCNB Corp.
Operating Profit
Lowest at USD 5.32 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 20.92 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 5.32 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 5.32 MM has Fallen at -24.77%
over average net sales of the previous four periods of USD 7.07 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 4.42 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Net Profit
At USD 4.42 MM has Fallen at -23.55%
over average net sales of the previous four periods of USD 5.78 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.31
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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