LCNB

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LCNB Corp.

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Key Metrics

Previous Close: $18.79
52-Week Range: $14.31 – $21.32
Market Cap: $269.99M
P/E (TTM): 10.95
EPS (TTM): 1.73
Dividend Yield: 4.65%

Advanced Metrics

Price/Book: 0.96
PEG Ratio: —
Return on Equity: 9.02%
Return on Assets: 1.08%
Gross Margin: 0.00%
Operating Margin: 39.20%
Profit Margin: 26.65%
Current Ratio: —
Debt/Equity: —
Total Debt: $110.48M
Free Cash Flow: —
Revenue Growth: 9.20%
Earnings Growth: 28.30%
Enterprise Value: $352.16M

LCNB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$75.33M	$71.76M	$81.20M	$92.00M
Selling, General & Admin	$30.20M	$31.14M	$38.11M	$38.21M
Pretax Income	$26.95M	$15.26M	$15.96M	$28.15M
Income Tax	$4.82M	$2.63M	$2.47M	$5.03M
Net Income	$22.13M	$12.63M	$13.49M	$23.12M
Diluted EPS	1.93	1.10	0.97	1.63
Diluted Shares	11.41M	11.42M	13.85M	14.09M

LCNB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$22.70M	$39.72M	$35.99M	$24.32M
Receivables	$7.48M	$8.40M	$8.70M	$7.97M
Total Assets	$1.92B	$2.29B	$2.31B	$2.24B
Long-Term Debt	$19.07M	$113.12M	$155.15M	$104.43M
Total Debt	$97.17M	$216.78M	$161.27M	$111.31M
Total Liabilities	$1.72B	$2.06B	$2.05B	$1.97B
Retained Earnings	$139.25M	$140.02M	$141.29M	$151.94M
Shareholders' Equity	$200.68M	$235.30M	$253.04M	$273.93M
Net Debt	$67.83M	$170.79M	$119.16M	$80.10M

LCNB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$28.71M	$23.36M	$93.24M	$34.40M
Capital Expenditure	-$884.00K	-$2.61M	-$3.80M	-$959.00K
Free Cash Flow	$27.83M	$20.75M	$89.44M	$33.44M
Depreciation & Amortisation	$2.74M	$2.99M	$604.00K	$668.00K
Stock-Based Compensation	$531.00K	$563.00K	$588.00K	$650.00K
Investing Cash Flow	-$48.38M	-$60.41M	$61.39M	$52.05M
Financing Cash Flow	$24.23M	$54.07M	-$158.61M	-$100.58M
Dividends Paid	-$9.19M	-$9.94M	-$12.22M	-$12.47M
Share Repurchases	-$23.66M	-$3.33M	—	-$69.00K
Net Change in Cash	$4.57M	$17.02M	-$3.98M	-$14.13M

LCNB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$22.79M	$23.83M	$23.86M	$23.54M	$25.14M
Selling, General & Admin	$9.53M	$9.38M	$9.40M	$10.04M	$9.60M
Pretax Income	$7.20M	$8.47M	$6.96M	$5.32M	$9.19M
Income Tax	$1.28M	$1.54M	$1.30M	$877.00K	$1.70M
Net Income	$5.92M	$6.94M	$5.66M	$4.44M	$7.49M
Diluted EPS	0.41	0.49	0.40	0.31	0.53
Diluted Shares	14.09M	14.10M	14.11M	14.13M	14.16M

LCNB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$50.03M	$36.12M	$24.32M	$31.89M	$28.30M
Receivables	$8.79M	$8.80M	$7.97M	$8.31M	$7.76M
Total Assets	$2.31B	$2.24B	$2.24B	$2.24B	$2.22B
Long-Term Debt	$105.00M	$104.72M	$104.43M	$104.13M	$103.84M
Total Debt	$111.40M	$111.49M	$111.31M	$110.89M	$110.48M
Total Liabilities	$2.04B	$1.97B	$1.97B	$1.96B	$1.94B
Retained Earnings	$145.62M	$149.40M	$151.94M	$153.25M	$157.61M
Shareholders' Equity	$263.47M	$269.87M	$273.93M	$275.82M	$280.62M
Net Debt	$54.97M	$68.59M	$80.10M	$72.24M	$75.53M

LCNB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$5.47M	$13.98M	$12.74M	$3.10M	$8.79M
Capital Expenditure	-$235.00K	-$309.00K	-$345.00K	-$335.00K	-$1.36M
Free Cash Flow	$5.23M	$13.67M	$12.39M	$2.77M	$7.43M
Depreciation & Amortisation	-$1.76M	$1.77M	$146.00K	$219.00K	$762.00K
Stock-Based Compensation	$101.00K	$130.00K	$135.00K	$266.00K	$110.00K
Investing Cash Flow	$11.55M	$45.66M	-$14.97M	$9.33M	$9.79M
Financing Cash Flow	-$4.91M	-$73.55M	-$12.02M	-$4.86M	-$22.90M
Dividends Paid	-$3.11M	-$3.15M	-$3.12M	-$3.13M	-$3.13M
Share Repurchases	-$69.00K	$0.00	$0.00	-$16.00K	$0.00
Net Change in Cash	$12.11M	-$13.91M	-$14.25M	$7.57M	-$4.33M

Market Snapshot

About

LCNB Corp. is a financial holding company headquartered in Lebanon, Ohio, operating through its subsidiary LCNB National Bank. The bank provides commercial and personal banking services including checking and savings accounts, loans, mortgages, and wealth management services to customers in southwestern Ohio. LCNB focuses on community banking with a network of branch locations serving local markets.