ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is LCNB Corp. ?
1
High Profitability with a Net Interest Margin of 4.70%
2
The company has declared Positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 56.53 MM
- NET PROFIT(HY) At USD 10.58 MM has Grown at 83.68%
- NII(Q) Highest at USD 17.54 MM
3
With ROA of 0.49%, it has a very attractive valuation with a 0.89 Price to Book Value
- Over the past year, while the stock has generated a return of -9.70%, its profits have risen by 20.5% ; the PEG ratio of the company is 1
4
High Institutional Holdings at 39.96%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- 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.
-6.11%
0.52
30.52%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.88%
EBIT Growth (5y)
5.41%
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
90.33%
Pledged Shares
0
Institutional Holding
39.96%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.89
EV to EBIT
13.40
EV to EBITDA
11.42
EV to Capital Employed
0.89
EV to Sales
2.37
PEG Ratio
1.04
Dividend Yield
NA
ROCE (Latest)
6.68%
ROE (Latest)
7.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 56.53 MM
NET PROFIT(HY)
At USD 10.58 MM has Grown at 83.68%
NII(Q)
Highest at USD 17.54 MM
CASH AND EQV(HY)
Highest at USD 66.1 MM
OPERATING PROFIT MARGIN(Q)
Highest at 28.31 %
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 89.25%
Here's what is working for LCNB Corp.
Operating Cash Flow
Highest at USD 56.53 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
NII
Highest at USD 17.54 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 10.58 MM has Grown at 83.68%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Profit Margin
Highest at 28.31 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at USD 66.1 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 10.21%
in the last five periodsMOJO 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.
Credit Deposit Ratio
Lowest at 89.25%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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