LCNB CORP (LCNB)
National Commercial Banks · Financial Services · $243M
Intrinsic Value (Consensus)
$37.08
Current Price
$17.06
Margin of Safety
+117.4%
117.4% Below Intrinsic Value
Value: $37
Price: $17
Valuation Model Estimates
Current Price: $17.06
DCF (Discounted Cash Flow)
$110.07
Graham Number
$26.56
Earnings Power Value
$15.83
Relative Value (P/E)
$32.60
Dividend Discount Model
$73.33
Consensus Value
$37.08
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
69
Profitability
15/25
Strength
22/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (13.8%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.63
- EPS (Forward)
- $1.96
- Book Value
- $19.23
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 8.4%
- Debt/Equity
- 38%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.7%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance