LCNB CORP
LCNB CORP
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 19 | 23 | 18 | 28 | 37 | 29 | 20 | 28 | 26 | 25 | 37 | 23 | |||||
Interest Bearing Deposits In Banks | 6 | 6 | 3 | 8 | 12 | 9 | 15 | 12 | 9 | 8 | 3 | 20 | |||||
Cash And Cash Equivalents At Carrying Value | 25 | 29 | 22 | 36 | 50 | 38 | 36 | 39 | 35 | 33 | 40 | 43 | |||||
Deposits Assets | 3 | 3 | 3 | 0 | 0 | 0 | 0 | - | - | - | 0 | - | |||||
Marketable Securities | |||||||||||||||||
Equity Securities Fv Ni | - | - | - | - | - | - | - | 1 | 1 | 1 | - | 1 | |||||
Equity Securities Fv Ni Current And Noncurrent | 1 | 1 | 1 | 1 | 1 | 1 | 1 | - | - | - | 1 | - | |||||
Equity Securities Without Readily Determinable Fai… | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 2 | |||||
Available For Sale Securities Debt Securities | - | - | 232 | - | - | - | 258 | 263 | 261 | 263 | 277 | 275 | |||||
Debt Securities Available For Sale Excluding Accru… | 216 | 229 | 232 | 243 | 253 | 256 | 258 | - | - | - | - | - | |||||
Debt Securities Held To Maturity Excluding Accrued… | 16 | 16 | 16 | 17 | 17 | 18 | 16 | - | - | - | - | - | |||||
Debt Securities Held To Maturity Amortized Cost Af… | - | - | - | - | - | - | 16 | 19 | 19 | 17 | 17 | 19 | |||||
Federal Reserve Bank Stock | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 5 | 5 | |||||
Federal Home Loan Bank Stock | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 16 | 15 | 8 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | - | - | 1,450 | |||||
Loans Receivable Held For Sale Amount | 4 | 3 | 2 | 4 | 6 | 6 | 6 | 36 | 44 | 76 | 0 | - | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 1,684 | 1,692 | 1,667 | 1,701 | 1,706 | 1,710 | 1,707 | 1,725 | 1,646 | 1,713 | - | |||||
Property Plant And Equipment Net | 40 | 39 | 39 | 39 | 40 | 40 | 41 | 41 | 41 | 37 | 36 | 33 | |||||
Operating Lease Right Of Use Asset | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Goodwill | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 94 | 80 | 80 | 59 | |||||
Intangible Assets Net Excluding Goodwill | 8 | 9 | 9 | 10 | 10 | 11 | 11 | 12 | 12 | 9 | 9 | 1 | |||||
Bank Owned Life Insurance | 56 | 56 | 55 | 55 | 55 | 54 | 54 | 54 | 54 | 50 | 50 | 45 | |||||
Interest Receivable | 8 | 8 | 8 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 8 | 8 | |||||
Other Assets | 33 | 33 | 34 | 35 | 38 | 37 | 38 | 39 | 39 | 32 | 31 | 26 | |||||
Assets | 2,224 | 2,238 | 2,241 | 2,244 | 2,308 | 2,303 | 2,307 | 2,347 | 2,371 | 2,283 | 2,292 | 1,982 | |||||
Liabilities | |||||||||||||||||
Deposits | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 479 | 470 | 466 | 454 | 463 | 464 | 460 | 447 | 449 | 436 | 462 | 453 | |||||
Interest Bearing Deposit Liabilities | 1,341 | 1,369 | 1,374 | 1,395 | 1,456 | 1,458 | 1,419 | 1,470 | 1,494 | 1,423 | 1,362 | 1,164 | |||||
Deposits | 1,819 | 1,839 | 1,840 | 1,849 | 1,919 | 1,922 | 1,878 | 1,917 | 1,943 | 1,858 | 1,824 | 1,617 | |||||
Short Term Borrowings | - | - | 0 | - | - | - | 0 | 0 | 0 | 10 | 97 | 30 | |||||
Long Term Debt | 104 | 104 | 104 | 105 | 105 | 105 | 155 | 156 | 162 | 163 | 113 | 113 | |||||
Operating Lease Liability | 7 | 7 | 7 | 7 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Other Liabilities | 13 | 12 | 15 | 14 | 14 | 12 | 15 | 15 | 15 | 12 | 15 | 14 | |||||
Liabilities | 1,943 | 1,962 | 1,967 | 1,974 | 2,044 | 2,044 | 2,054 | 2,094 | 2,126 | 2,049 | 2,056 | 1,780 | |||||
Commitments And Contingencies | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 0 | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 189 | 189 | 188 | 188 | 188 | 187 | 187 | 187 | 187 | 174 | 174 | 145 | |||||
Retained Earnings Accumulated Deficit | 158 | 153 | 152 | 149 | 146 | 143 | 141 | 138 | 137 | 139 | 140 | 143 | |||||
Treasury Stock Value | - | - | - | - | - | - | - | - | -56 | -56 | -56 | -56 | |||||
Treasury Stock Common Value | -56 | -56 | -56 | -56 | -56 | -56 | -56 | -56 | - | - | -56 | - | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -10 | -10 | -10 | -11 | -14 | -16 | -19 | -16 | -23 | -23 | -22 | -31 | |||||
Stockholders Equity | 281 | 276 | 274 | 270 | 263 | 259 | 253 | 253 | 245 | 234 | 235 | 201 | |||||
Liabilities And Stockholders Equity | 2,224 | 2,238 | 2,241 | 2,244 | 2,308 | 2,303 | 2,307 | 2,347 | 2,371 | 2,283 | 2,292 | 1,982 | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | - | - | - | |||||
Debt Securities Held To Maturity Allowance For Cre… | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | - | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 13 | 14 | 12 | 12 | 12 | 12 | 12 | 11 | 11 | 11 | 8 | |||||
Preferred Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | |||||
Common Stock Shares Issued | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 16 | 16 | 14 | |||||
Shares Outstanding | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 13 | 13 | 11 | |||||
Treasury Stock Common Shares | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 5.97% | 16.68% | 26.00% | - | - | - | - | - | - | - | - | - |
| 2025 | -0.96% | 1.89% | 7.57% | 11.59% | 9.84% | 9.07% | 1.54% | 6.86% | 10.81% | -3.18% | -2.16% | 2.28% |
| 2024 | -3.75% | -3.55% | 7.90% | 18.61% | 13.12% | 12.14% | 2.21% | -11.83% | -12.48% | -3.56% | 2.33% | -0.62% |
| 2023 | - | - | - | -4.67% | -14.04% | -6.24% | 0.62% | 6.42% | 6.42% | -5.23% | -6.70% | -10.08% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 6.74 | 6.40 | 6.24 | 5.89 | 5.00 | 2.14 | 1.61 | 1.24 | 1.21 | 1.41 | 1.66 | 2.46 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | - | - | 74,844.02 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | - | - | 0.00 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 1.73 | 1.63 | 1.64 | 1.67 | 1.50 | 1.15 | 0.98 | 0.50 | 0.47 | 0.79 | 1.11 | 1.75 | |||||
| Free Cash Flow Per Share TTM | 2.56 | 2.41 | 2.37 | 4.19 | 3.97 | 7.43 | 6.50 | 4.21 | 3.81 | 0.26 | 1.58 | 1.55 | |||||
| Dividend Per Share TTM | 0.89 | 0.89 | 0.89 | 0.89 | 0.88 | 0.88 | 0.89 | 0.85 | 0.80 | 0.80 | 0.87 | 0.85 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 16.90% | -203.77% | -241.25% | -283.77% | -341.90% | -390.67% | -423.62% | -542.71% | -503.12% | -427.57% | -347.78% | -134.16% | |||||
| Operating Profit Margin TTM | 88.14% | 282.23% | 295.37% | 307.37% | 288.86% | 222.89% | 189.00% | 100.09% | 100.75% | 169.74% | 215.20% | 342.73% | |||||
| Net Profit Margin TTM | 72.20% | 231.73% | 242.58% | 252.99% | 239.84% | 187.42% | 159.76% | 88.88% | 87.02% | 141.81% | 178.08% | 280.94% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 284.74% | 14.71% | 12.86% | 17.04% | 16.14% | 17.91% | 19.09% | 15.77% | 14.23% | 12.45% | 9.63% | 4.78% | |||||
| Net Income Growth (1Y) | 15.82% | 41.82% | 71.36% | 233.15% | 220.08% | 55.84% | 6.84% | -63.38% | -68.25% | -52.27% | -42.93% | -9.45% | |||||
| EPS Growth (1Y) | 15.23% | 41.08% | 67.45% | 231.30% | 216.97% | 45.43% | -11.38% | -71.16% | -74.83% | -59.27% | -42.97% | -7.44% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 10.15 | 9.47 | 9.73 | 8.61 | 9.16 | 11.98 | 14.20 | 27.12 | 26.28 | 17.75 | 12.38 | 6.97 | |||||
| P/B TTM | 0.89 | 0.79 | 0.82 | 0.75 | 0.74 | 0.75 | 0.76 | 0.76 | 0.71 | 0.79 | 0.66 | 0.67 | |||||
| P/S TTM | 7.33 | 21.94 | 23.60 | 21.78 | 21.96 | 22.46 | 22.69 | 24.10 | 22.86 | 25.17 | 22.05 | 19.59 | |||||
| Market Cap | 249.04M | 217.37M | 224.94M | 203.04M | 193.97M | 193.97M | 191.63M | 191.95M | 173.86M | 184.37M | 156.33M | 134.75M | |||||
| Enterprise Value | 328.02M | 292.32M | 307.76M | 271.89M | 249.19M | 260.94M | 311.04M | 308.24M | 301.14M | 324.05M | 327.13M | 233.97M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 36.26M | 34.06M | 33.44M | 59.04M | 55.85M | 104.38M | 89.44M | 59.01M | 53.16M | 3.39M | 18.10M | 17.10M | |||||
| Net Debt | 78.98M | 74.95M | 82.81M | 68.85M | 55.22M | 66.97M | 119.41M | 116.29M | 127.28M | 139.69M | 170.80M | 99.22M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
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| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
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| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
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| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
LCNB CORP (LCNB) — SEC Financial Statements & Analysis
LCNB CORP (LCNB) is a national commercial banks company, incorporated in OH. LCNB CORP trades on Nasdaq as: LCNB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), LCNB CORP reported a 284.74% year-over-year revenue growth, a Gross Profit Margin of 16.90% (TTM), a Price-to-Sales (P/S) ratio of 7.33x (TTM), a Price-to-Book (P/B) ratio of 0.89x (TTM), at a market cap of $249.04M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 284.74%
- Gross Profit Margin TTM
- 16.90%
- P/S TTM
- 7.33x
- P/B TTM
- 0.89x
- Market Cap
- $249.04M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is LCNB CORP in?
LCNB CORP (LCNB) operates in the National Commercial Banks industry.
What is LCNB's market cap?
LCNB CORP (LCNB) has a market capitalization of $249.04M as of 2026-06-30.
What is LCNB's P/E ratio?
LCNB CORP (LCNB)'s trailing twelve month P/E ratio is 10.15x as of 2026-06-30.
What exchange does LCNB trade on?
LCNB CORP (LCNB) trades on the Nasdaq.
Where is LCNB CORP incorporated?
LCNB CORP is incorporated in OH.