LCNB Corp.
NASDAQ•LCNB
CEO: Mr. Eric J. Meilstrup
セクター: Financial Services
業種: Banks - Regional
上場日: 1999-10-26
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 individual retirement accounts and time certificates. 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 purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. It offers consumer loans, such as automobile, recreational vehicles, boat, home improvement, and personal loans. In addition, the company provides trust administration, estate settlement, and fiduciary services; and investment management services for trusts, agency accounts, individual retirement accounts, and foundations/endowments. Further, it offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services. Additionally, the company provides safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, cash management services, telephone banking, PC Internet banking, mobile banking, and other services for individuals and businesses. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.
連絡先情報
時価総額
$233.23M
PER (TTM)
10.2
14.6
配当利回り
5.3%
52週高値
$17.89
52週安値
$13.34
52週レンジ
順位40Top 42.0%
4.1
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.1 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$30.79M-6.37%
直近4四半期の推移
EPS
$0.40-6.98%
直近4四半期の推移
フリーCF
$12.37M+0.00%
直近4四半期の推移
2025 Q3 決算ハイライト
主なハイライト
Strong Net Income Growth Net income reached $17.5M for nine months ended Sept 30, 2025, significantly up from $7.4M last year; basic EPS was $1.23.
Net Interest Margin Expansion Taxable-equivalent NIM improved to 3.43% for nine months 2025, driven by lower funding costs despite slight loan balance contraction.
Improved Asset Quality Metrics Non-accrual loan ratio sharply decreased to 0.11% from 0.26% year-end; provision expense for credit losses was significantly lower.
Robust Capital Ratios CET1 ratio strengthened to 10.94% as of September 30, 2025, up from 9.94% year-end, maintaining "well-capitalized" status.
リスク要因
Interest Rate Shock Vulnerability IRSA analysis shows rate increases negatively impact NII (1.96% drop at +300 bps); EVE analysis also indicates negative effects.
Loan Portfolio Concentration Commercial Real Estate comprises 65% of total loans, concentrated heavily in Ohio counties like Franklin (28% of CRE loans).
Rising Net Charge-offs Net charge-offs totaled $287K for nine months 2025, compared to $147K in the prior year period, signaling potential credit stress.
Merger Expense Normalization Merger-related expenses significantly reduced in 2025 ($140K YTD) compared to 2024 ($3.376M YTD); future expense levels may normalize.
見通し
Continued Liquidity Management Management maintains adequate liquidity via deposits and FHLB/correspondent credit lines totaling $154.7M remaining FHLB capacity.
Economic Forecast Uncertainty Economic forecasts project unemployment between 5.33% and 6.21% for the forecast period, impacting future loan loss modeling assumptions.
Stock Repurchase Authorization Board authorized repurchase plan remains active with 310,922 shares available for future buybacks under current authorization.
Future Accounting Adoption New accounting pronouncements adopted had no material impact; future ASU 2025-05 adoption related to CECL is planned for 2026.
同業比較
売上高 (TTM)
$183.79M
$166.66M
$153.49M
粗利益率 (最新四半期)
95.9%
91.8%
72.6%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| OVLY | $265.24M | 11.0 | 12.7% | 0.0% |
| FVCB | $264.25M | 12.0 | 8.9% | 0.8% |
| ISTR | $264.13M | 11.6 | 8.3% | 5.4% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
0.3%
緩やかな成長
4四半期純利益CAGR
7.1%
収益性の着実な向上
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月20日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
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データなし