Market Price

17.98 

-0.04 -0.2%

as of Apr 12 '21

52 Week Range:

10.61 19.99


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

LCNB Corp., a financial holding company, provides commercial and personal banking services in Ohio. Its deposit products include checking, NOW, savings, Christmas and vacation club, money market deposit, lifetime checking, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises commercial and industrial, commercial and residential real estate, agricultural, construction, small business administration, and residential mortgage loans. It also offers consumer loans, such as automobile, boat, home improvement, and personal loans. In addition, the company provides trust administrative, 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, personal computer-based cash management services, telephone banking, PC Internet banking, mobile banking, and other services for individuals and businesses. As of December 31, 2017, the company operated through 34 offices, including a main office in Warren County; branch offices in Warren, Butler, Clinton, Clermont, Hamilton, Montgomery, Preble, Ross, and Fayette Counties; a loan production office in Franklin County; and an operations center in Warren County, Ohio, as well as 38 ATMs. LCNB Corp. was founded in 1877 and is headquartered in Lebanon, Ohio.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 10.57
11.55
12.18
9.93
13.22
14.19
14.69
14.94
16.06
17.43
18.55
growth rate 9.3% 5.5% -18.5% 33.1% 7.3% 3.5% 1.7% 7.5% 8.5% 6.4%
Earnings BIT 11.63
9.53
11.07
11.72
13.68
16.02
16.99
17.47
47.35
56.40
59.68
growth rate -18.1% 16.2% 5.9% 16.8% 17.0% 6.1% 2.8% 171.1% 19.1% 5.8%
Avg.PE 8.79
11.99
11.22
16.23
14.38
13.95
18.32
14.77
18.03
18.03
18.03
growth rate 36.4% -6.4% 44.7% -11.4% -3.0% 31.3% -19.4% 22.1% 0.0% 0.0%
ROA 1.25
1.05
1.05
1.02
0.97
0.96
0.96
1.00
1.01
1.15
1.18
growth rate -16.0% 0.0% -2.9% -4.9% -1.0% 0.0% 4.2% 1.0% 13.9% 2.6%
ROE 13.75
10.92
10.34
8.74
8.07
8.63
8.81
8.84
8.03
8.45
8.54
growth rate -20.6% -5.3% -15.5% -7.7% 6.9% 2.1% 0.3% -9.2% 5.2% 1.1%
ROIC 14.45
11.01
10.35
9.49
8.55
growth rate -23.8% -6.0% -8.3% -9.9%
Leverage 10.75
10.15
9.62
7.84
8.82
9.14
9.14
8.62
7.48
7.19
7.25
growth rate -5.6% -5.2% -18.5% 12.5% 3.6% 0.0% -5.7% -13.2% -3.9% 0.8%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Payable 7.08
7.70
6.95
946.21
1,087.16
1,110.91
1,085.82
1,300.92
1,348.28
1,455.42
growth rate 8.8% -9.8% 13,520.3% 14.9% 2.2% -2.3% 19.8% 3.6% 8.0%
Cur.Assets 20.30
16.08
18.87
25.39
20.04
23.08
34.12
growth rate -20.8% 17.3% 34.6% -21.1% 15.2% 47.9%
Total Assets 760.10
791.57
788.64
932.34
1,108.07
1,280.53
1,306.80
1,295.64
1,636.93
1,639.31
1,745.88
growth rate 4.1% -0.4% 18.2% 18.9% 15.6% 2.1% -0.9% 26.3% 0.2% 6.5%
Cash 11.00
287.31
290.45
293.71
15.85
14.35
14.55
23.96
18.61
14.84
15.58
growth rate 2,511.9% 1.1% 1.1% -94.6% -9.4% 1.4% 64.7% -22.4% -20.3% 5.0%
Inventory 1.37
0.85
0.24
0.24
growth rate -38.3% -33.9% 0.0%
Cur.Liabilities 968.67
1,125.24
1,153.55
1,133.40
62.28
19.00
12.00
growth rate 16.2% 2.5% -1.8% -94.5% -69.5% -36.8%
Liabilities 689.40
713.61
706.63
813.47
982.37
1,140.42
1,163.86
1,145.37
1,417.94
1,411.26
1,505.06
growth rate 3.5% -1.0% 15.1% 20.8% 16.1% 2.1% -1.6% 23.8% -0.5% 6.7%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
5.95
5.60
0.30
0.06
40.98
22.00
10.00
growth rate 0.1% 0.1% 0.1% -99.7% -5.9% -94.6% -81.9% 74,409.1% -46.3% -54.5%
Equity 70.70
77.96
82.01
118.87
125.70
140.11
142.94
150.27
218.99
228.05
240.83
growth rate 10.3% 5.2% 45.0% 5.7% 11.5% 2.0% 5.1% 45.7% 4.1% 5.6%
Common Shares 7.00
7.00
7.00
8.00
9.00
10.00
10.00
10.00
13.30
12.94
12.86
growth rate 0.0% 0.0% 14.3% 12.5% 11.1% 0.0% 0.0% 33.0% -2.7% -0.6%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 1.40
2.58
0.48
0.86
1.05
0.50
9.45
6.62
0.60
3.93
2.79
growth rate 84.1% -81.5% 79.5% 22.6% -52.1% 1,775.0% -30.0% -90.9% 555.7% -29.1%
Cash Dividends 4.30
4.28
4.02
4.86
5.64
5.92
6.05
6.09
-7.77
-8.66
-9.10
growth rate -0.4% -6.2% 21.0% 16.0% 5.0% 2.3% 0.7% -100.0% 0.0% 0.0%
Cash From OA 13.80
10.66
10.99
10.43
15.94
13.24
15.48
18.14
19.74
21.97
13.68
growth rate -22.8% 3.1% -5.1% 52.8% -16.9% 17.0% 17.1% 8.9% 11.3% -37.7%
FCF per Share 1.83
1.36
1.55
1.24
1.25
1.55
1.02
0.68
1.43
1.55
1.01
growth rate -25.7% 14.0% -20.0% 0.8% 24.0% -34.2% -33.3% 110.3% 8.4% -34.8%
Sale Purchase of Stock 0.19
0.08
27.03
0.06
0.22
0.64
0.09
growth rate -60.1% 35,006.5% -99.8% 275.9% 195.4% -85.7%
FCF 12.00
8.00
11.00
10.00
15.00
13.00
6.00
12.00
19.00
18.00
11.00
growth rate -33.3% 37.5% -9.1% 50.0% -13.3% -53.9% 100.0% 58.3% -5.3% -38.9%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 34.60
39.86
38.99
42.59
44.10
48.09
50.19
50.99
58.89
67.32
70.42
growth rate 15.2% -2.2% 9.2% 3.6% 9.1% 4.4% 1.6% 15.5% 14.3% 4.6%
Op.Income 11.60
7.32
8.27
8.78
16.17
18.13
19.10
18.55
47.35
56.40
59.68
growth rate -36.9% 13.0% 6.2% 84.2% 12.1% 5.4% -2.9% 155.3% 19.1% 5.8%
IBT 11.63
9.53
11.07
11.72
13.26
15.70
16.93
17.24
17.79
23.03
24.16
growth rate -18.0% 16.1% 5.9% 13.1% 18.4% 7.8% 1.9% 3.2% 29.4% 4.9%
Net Income 9.40
7.32
8.27
8.78
9.87
11.47
12.48
12.97
14.85
18.91
20.08
growth rate -22.1% 13.0% 6.2% 12.4% 16.3% 8.8% 3.9% 14.4% 27.4% 6.2%
EPS 1.39
1.20
1.22
1.10
1.05
1.17
1.25
1.29
1.24
1.44
1.55
growth rate -13.7% 1.7% -9.8% -4.6% 11.4% 6.8% 3.2% -3.9% 16.1% 7.6%
Gross Profit 43.31
47.31
50.19
50.11
58.76
67.17
70.20
growth rate 9.2% 6.1% -0.2% 17.3% 14.3% 4.5%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 13.25
14.95
15.35
14.54
14.84
growth rate 12.8% 2.7% -5.3% 2.0%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Payable 1,348.28
1,345.87
1,438.92
1,430.39
1,455.42
growth rate -0.2% 6.9% -0.6% 1.8%
Cur.Assets 23.08
26.83
44.90
26.70
34.12
growth rate 16.3% 67.3% -40.5% 27.8%
Total Assets 1,639.31
1,636.28
1,735.33
1,725.62
1,745.88
growth rate -0.2% 6.1% -0.6% 1.2%
Cash 14.84
24.80
42.74
24.49
15.58
growth rate 67.1% 72.4% -42.7% -36.4%
Inventory 0.24
growth rate
Cur.Liabilities 1,389.27
1,381.87
1,472.92
184.88
468.56
growth rate -0.5% 6.6% -87.5% 153.5%
Liabilities 1,411.26
1,402.80
1,498.29
1,487.03
1,505.06
growth rate -0.6% 6.8% -0.8% 1.2%
LT Debt 22.00
36.00
34.00
32.00
10.00
growth rate 63.7% -5.6% -5.9% -68.8%
Equity 228.05
233.48
237.05
238.59
240.83
growth rate 2.4% 1.5% 0.7% 0.9%
Common Shares 12.92
12.97
12.98
12.93
12.86
growth rate 0.4% 0.1% -0.4% -0.5%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 1.23
0.65
0.96
0.57
0.62
growth rate -47.5% 47.9% -41.0% 10.1%
Cash Dividends -2.24
-2.25
-2.25
-2.25
-2.35
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 7.12
1.31
3.63
4.38
4.37
growth rate -81.7% 177.9% 20.7% -0.2%
Sale Purchase of Stock
growth rate
FCF 5.89
0.66
2.67
3.81
3.75
growth rate -88.8% 305.6% 42.8% -1.7%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 17.31
16.91
17.49
16.87
19.15
growth rate -2.3% 3.4% -3.5% 13.5%
Op.Income 13.25
14.95
15.35
14.54
14.84
growth rate 12.8% 2.7% -5.3% 2.0%
IBT 6.07
5.77
6.19
5.18
7.03
growth rate -4.9% 7.2% -16.3% 35.7%
Net Income 4.83
5.03
5.06
4.25
5.74
growth rate 4.1% 0.6% -16.0% 35.1%
EPS
growth rate
Gross Profit 17.16
16.91
17.49
16.87
18.93
growth rate -1.5% 3.4% -3.5% 12.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (42.91)

YOY Growth Grade:

D (39.90)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 18.03 16.29 11.57
EPS / Growth 9.7% 1.10 1.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.6%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.4% 7.6% 7.6%
Future PE 2.80 14.91 14.91
Future EPS 1.27 2.29 2.29
Value Price
MOS %
0.88
-95.1%
8.44
-53.0%
8.44
-53.0%
MOS Price 0.44 4.22 4.22
IRT 14.59 10.46 10.46

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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