LCNB PEER ANALYSIS

LCNB Corporation — metric-by-metric comparison with peers and the industry median

LCNBLCNB Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

LCNBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	LCNB	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
P/E	11.01	—	15.65	—	2.96●	9.16	12.88
P/B	0.92	31,504.34	3.99	294,240.03	0.71●	1.41	1.29
EV/EBITDA	12.01	418,782.20	-9.21●	3,913,015.14	2.21	-8.43	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	LCNB	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Current Ratio	1.20●	—	—	—	—	0.25	0.31
Debt/Equity	40.2%	0.0%●	0.0%●	0.0%●	0.0%●	17.0%	38.0%
NetDebt/EBITDA	3.10	-28.33	-20.34	-28.34●	-0.47	-14.68	-0.58

Profitability
Metric	LCNB	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Net Margin	18.5%	28.1%	24.7%	28.1%	54.9%●	20.1%	20.6%
ROE	8.6%	20.2%	28.9%●	20.2%	27.4%	14.9%	10.9%
ROA	1.0%	1.8%	1.1%	1.8%	3.7%●	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	LCNB	ISBTR	ICBCT	ISATR	TSKB	NWG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	41.8%	71.8%●	—	71.7%	-1.3%	16.0%	19.4%
Div. Yield	4.8%●	—	—	—	—	4.8%	2.5%
Payout	54.5%	—	—	—	—	—	31.4%

Valuation
Metric	LCNB	ATLO	VABK	BPRN	CFFI	NKSH	Ind. Median
P/E	11.01	12.23	12.07	13.63	9.52●	13.24	12.88
P/B	0.92●	1.27	1.30	0.97	1.01	1.24	1.29
EV/EBITDA	12.01	-13.94●	9.24	1.88	-1.48	5.73	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	LCNB	ATLO	VABK	BPRN	CFFI	NKSH	Ind. Median
Current Ratio	1.20	53.78●	0.02	0.12	1.35	0.07	0.31
Debt/Equity	40.2%	26.5%	15.8%	7.8%	38.9%	1.0%●	38.0%
NetDebt/EBITDA	3.10	-23.31●	0.25	-7.78	-8.44	-4.46	-0.58

Profitability
Metric	LCNB	ATLO	VABK	BPRN	CFFI	NKSH	Ind. Median
Net Margin	18.5%	21.6%	24.2%●	14.2%	14.9%	20.4%	20.6%
ROE	8.6%	11.0%	11.3%●	7.2%	11.3%	9.9%	10.9%
ROA	1.0%	1.0%	1.2%●	0.9%	1.0%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	LCNB	ATLO	VABK	BPRN	CFFI	NKSH	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	41.8%	89.7%	12.5%	72.6%	29.4%	102.3%●	19.4%
Div. Yield	4.8%●	2.1%	3.2%	3.3%	2.2%	4.1%	2.5%
Payout	54.5%	34.6%	38.8%	46.6%	21.4%	54.7%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.