LCNB Corp.

LCNB Corp.

LCNB
LCNB Corp.US flagNASDAQ Capital Market
18.98
USD
+0.10
- -
270.56MMarket Cap
LCNB Corp.
LCNB
(NASDAQ Capital Market)

Recent

price

18.98

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.09
4.92
4.98
4.84
4.78
5.02
5.07
5.07
4.91
5.06
5.49
5.71
6.6
6.28
5.86
6.53
6.82
Revenue per Share
1.4
1.21
1.23
1.12
1.06
1.18
1.26
1.3
1.24
1.45
1.55
1.67
1.94
1.11
0.97
1.64
1.74
Basic EPS, GAAP
1.85
1.21
1.56
1.22
1.6
1.31
0.61
1.15
1.6
1.38
0.84
1.26
2.44
1.82
6.46
2.37
2.57
Free Cash Flow per Basic Share
0.64
0.64
0.6
0.62
0.61
0.61
0.61
0.61
0.65
0.69
0.73
0.77
0.81
0.87
0.88
0.89
0.89
Dividend per Share
10.57
11.63
12.18
12.8
13.5
14.12
14.3
14.99
16.47
17.63
18.73
19.22
17.82
17.86
17.92
19.3
19.69
Book Value per Share
9.59
10.67
11.22
10.97
10.02
10.53
10.82
11.6
11.64
12.74
13.85
14.25
12.4
11.11
10.74
12.28
12.75
Tangible Book Value per Share
7
7
7
8
9
10
10
10
12
13
13
13
11
11
14
14
14
Basic Weighted Avg Shares
34
33
33
38
44
49
50
51
59
66
71
72
75
72
81
92
96
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
3
3
2
3
3
3
3
4
3
2
3
3
3
1
1
3
Depreciation Expense
9
8
8
9
10
11
12
13
15
19
20
21
22
13
13
23
25
Net Income, GAAP
21.45
23.19
25.26
25.1
25.55
26.9
26.25
24.77
16.57
17.86
16.91
18.02
17.88
17.25
15.47
17.87
18.09
Effective Tax Rate (%)
27.51
24.65
24.7
23.11
22.22
23.53
24.78
25.56
25.32
28.58
28.3
29.15
29.37
17.6
16.62
25.13
25.45
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
23
21
14
12
11
6
1
- -
47
46
28
16
26
119
161
111
110
LT Debt
71
78
82
119
126
140
143
150
219
228
241
239
201
235
253
274
281
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
13.75
10.92
10.34
8.74
8.07
8.63
8.82
8.85
8.04
8.46
8.56
8.75
10.07
5.79
5.53
8.77
9.02
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
104
104
104
LT Finance Leases
7
7
7
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14
14
14
Market Capitalization
233
222
251

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
113
123
117
Accounts Receivable, Net
8
8
8
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.89%
3.25%
8.26%
Free Cash Flow
42.3%
72.8%
-62.61%
Net Income, GAAP
10.6%
9.05%
71.36%
Sales/Revenue/Turnover
6.75%
5.57%
13.3%
Total Cash Common Dividend
8.2%
6.12%
2.07%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
18
19
21
23
81
2025
22
23
24
24
92
2026
24
25
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.15
0.07
0.32
0.43
0.97
2025
0.33
0.42
0.49
0.4
1.64
2026
0.31
0.53
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.22
0.22
0.22
0.22
0.88
2025
0.22
0.22
0.22
0.22
0.89
2026
0.22
0.22
- -
- -
- -
Business
LCNB Corp. (Nasdaq: LCNB) operates as a financial holding company for LCNB National Bank, providing a comprehensive range of commercial banking, retail banking, wealth management, and investment services to customers in Southwest and South-Central Ohio, including Butler, Clermont, Clinton, Fayette, Franklin, Hamilton, Montgomery, Preble, Ross, and Warren Counties, as well as Boone County, Kentucky. Core products and services include checking and savings accounts, interest-bearing demand and money market deposits, time certificates; commercial and industrial loans, commercial and residential real estate loans, agricultural loans, construction loans, consumer loans including automobile, boat, home improvement, and personal loans, small business administration loans, and residential mortgage loans such as home equity lines of credit; trust administration, estate settlement, fiduciary services, investment management of trusts, agency accounts, individual retirement accounts, and foundations/endowments; investment products comprising financial needs analysis, mutual funds, securities trading, annuities, life insurance, and security brokerage services through LPL Financial LLC; and ancillary services such as safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, cash management, telephone banking, internet banking, and mobile banking. Founded in 1877 as The Lebanon Citizens National Bank, which became a wholly owned subsidiary of LCNB Corp. in 1999 and was renamed LCNB National Bank in 2007, the company maintains headquarters at 2 North Broadway, Lebanon, Ohio. Recent major developments include the 2024 acquisitions of Eagle Financial Bancorp, Inc. and Cincinnati Bancorp, Inc., with substantial integration completed by year-end, contributing to total assets of $2.3 billion, record LCNB Wealth Management assets of $1.38 billion, and enhanced net interest margin through $97 million in asset sales; in October 2025, leadership changes featured Robert Haines II promoted to President, Andrew Wallace to Chief Financial Officer, Patricia Walter to Chief Risk Officer, and Susan Kelley to SVP Chief Accounting Officer to support ongoing growth and a more complex business structure.

Company News

  • LCNB (LCNB) Reports Q3 Earnings: What Key Metrics Have to Say

  • LCNB (LCNB) Beats Q3 Earnings and Revenue Estimates

  • LCNB Corp. Reports Financial Results for the Three and Nine months Ended September 30, 2026

  • LCNB Corp. Announces Retirement of Michael R. Miller, EVP and Chief Wealth Officer

  • OVBC vs. LCNB: Which Community Bank Stock Is the Better Buy Right Now?

  • BlackRock Inc. Acquires Shares of 959,927 LCNB Corporation $LCNB

  • LCNB Corp. Announces 2026 Third-Quarter Dividend

  • LCNB Corp. Appoints Susan B. Zaunbrecher to Board of Directors

  • LCNB Corp. Appoints Susan B. Zaunbrecher to Board of Directors

  • LCNB Corp. Announces Closing of Subordinated Notes Offering

  • LCNB Corp.: Impressive Q2 2026 Results

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  • LCNB (LCNB) Surpasses Q2 Earnings and Revenue Estimates

  • LCNB Corp. Reports Financial Results for the Three and Six Months Ended June 30, 2026

  • A Father's Influence: How an LCNB Banker Helped Shape an NBA Career

  • LCNB Corp. Welcomes Amy Bedinghaus as Vice President, Trust Officer

  • LCNB Corp. Strengthens Columbus Banking Presence with Two Additions