LCNB Valuation

LCNB Corp

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15.590

+0.18(1.168%)1D

Overview
Forecast
Valuation
Earnings

LCNB Relative Valuation

LCNB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, LCNB is overvalued; if below, it's undervalued.

Historical Valuation

LCNB Corp (LCNB) is now in the Fair zone, suggesting that its current forward PE ratio of 9.43 is considered Fairly compared with the five-year average of 10.98. The fair price of LCNB Corp (LCNB) is between 14.82 to 20.02 according to relative valuation methord.

Relative Value

Fair Zone

14.82-20.02

Current Price：15.39

Fair

9.43

Trailing

Forward

0.00

EV/EBITDA

LCNB Corp. (LCNB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

LCNB Corp. (LCNB) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

3.23

LCNB Corp. (LCNB) has a current PS of 3.23. The 5-year average PS is 3.30. The thresholds are as follows: Strongly Undervalued below 1.55, Undervalued between 1.55 and 2.42, Fairly Valued between 4.18 and 2.42, Overvalued between 4.18 and 5.06, and Strongly Overvalued above 5.06. The current Forward PS of 3.23 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

LCNB Corp. (LCNB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

LCNB Corp. (LCNB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

LCNB Corp (LCNB) has a current Price-to-Book (P/B) ratio of 0.83. Compared to its 3-year average P/B ratio of 0.87 , the current P/B ratio is approximately -4.19% higher. Relative to its 5-year average P/B ratio of 0.88, the current P/B ratio is about -5.81% higher. LCNB Corp (LCNB) has a Forward Free Cash Flow (FCF) yield of approximately 24.35%. Compared to its 3-year average FCF yield of 16.39%, the current FCF yield is approximately 48.56% lower. Relative to its 5-year average FCF yield of 12.74% , the current FCF yield is about 91.11% lower.

0.83

P/B

Median3y

0.87

Median5y

0.88

24.35

FCF Yield

Median3y

16.39

Median5y

12.74

Competitors Valuation Multiple

The average P/S ratio for LCNB's competitors is 2.05, providing a benchmark for relative valuation. LCNB Corp Corp (LCNB) exhibits a P/S ratio of 3.23, which is 57.75% above the industry average. Given its robust revenue growth of 17.92%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Old Point Financial Corp

National Bankshares Inc

Chain Bridge Bancorp Inc

Richmond Mutual Bancorporation Inc

Performance Decomposition

Market capitalization of LCNB increased by 6.51% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 4.81 to 26.13.

The secondary factor is the Revenue Growth, contributed 17.92%to the performance.

Overall, the performance of LCNB in the past 1 year is driven by Margin Expansion. Which is more sustainable.

17.92%

19.21M → 22.66M

Revenue Growth

443.24%

4.81 → 26.13

Margin Expansion

-454.65%

-2.92 → 10.34

P/E Change

6.51%