LCNB Corp. — Cyborg Score 6/10

Strategic Profile

LCNB is a regional bank with a notable 6.06% dividend yield and strong earnings momentum. In 2024, LCNB Corp.'s revenue was $79.24 million (up 13.71% from prior year) with earnings of $13.41 million (up 6.92%). LCNB announced four executive promotions as part of a succession plan to support its growth strategy.

Cyborg Score Rationale

LCNB demonstrates solid fundamentals with double-digit revenue growth, improving profitability, and a strong dividend yield. However, as a small-cap regional bank with modest market capitalization, the company faces competitive headwinds from larger financial institutions and faces typical bank sector margin pressures.

Top Insights

• Strong revenue growth of 13.71% YoY in 2024 indicates successful execution of growth strategy
• Leadership succession plan with four executive promotions suggests organizational depth and continuity
• Attractive 6.06% dividend yield positions LCNB as income-attractive despite modest stock price appreciation
• Regional focus on Ohio/Kentucky markets provides stability but limited geographic diversification

Named Competitors

• D&D Bancorp — Regional community bank with similar market capitalization
• MidWestOne Financial Group — Midwest-focused regional bank
• Orrstown Financial Services — Community banking competitor with regional focus

Recent Developments

• (December 2024) LCNB announced full-year 2024 results with 13.71% revenue growth and 6.92% earnings growth
• (November 2025) Executive leadership changes and succession planning announced
• (Recent) Quarterly dividend increased to $0.22 per share, representing 4.8% increase from prior quarter

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