LCNB

Banks - Regional · Financial Services

Price

$19.14

-0.64 (-3.24%)

Market Cap

$272.7M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+11.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 12.6M (2021) → 14.1M (2025)

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. Its deposit products include checking accounts, demand deposits, savings accounts, NOW and money market deposits, as well as certificates of deposit. The company's loan products comprise commercial and industrial, commercial and residential real estate, agricultural, construction, and small business administration loans; and residential mortgage loans that consists of loans for pur

Winston Score History

Score breakdown

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Quality

Gross Margin

70.4%

Premium pricing power — 70.4% gross margin

Operating Margin

17.7%

Healthy — 17.7% operating margin

ROCE

1.4%

Weak — 1.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-2.5%

Shrinking sales (-2.5% YoY)

EPS YoY

+41.4%

Earnings growing fast (41.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

154%

Turns 154% of profit into real cash

FCF Margin

27.4%

Converts sales into free cash efficiently (27.4%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.38

Conservative — low debt load (0.38)

Interest Cover

0.93x

Dangerous — barely covers interest (0.9x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

11.8x

Attractive valuation — P/E 11.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.1

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

4.92%

Healthy income — 4.92% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+0.0%

Dividend flat

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