LCNB · Lcnb Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $5.32M | - | $8.47M | $7.20M | $5.51M | - | $5.33M | $944.0K | $2.23M | - |
| Interest Expense | - | - | - | - | - | - | - | $11.75M | $10.86M | - |
| Income Tax | $877.0K | - | $1.54M | $1.28M | $906.0K | - | $798.0K | $19.0K | $312.0K | - |
| Net Income | $4.44M | - | $6.94M | $5.92M | $4.61M | - | $4.53M | $925.0K | $1.92M | - |
| EPS - Basic | $0.31 | - | $0.49 | $0.41 | $0.33 | - | $0.31 | $0.07 | $0.15 | - |
| EPS - Diluted | $0.31 | - | $0.49 | $0.41 | $0.33 | - | $0.31 | $0.07 | $0.15 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $29.18M | $21.61M | $35.87M | $49.78M | $37.67M | $35.74M | $39.37M | $34.87M | $32.95M | $39.72M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.24B | $2.24B | $2.24B | $2.31B | $2.30B | $2.31B | $2.35B | $2.37B | $2.28B | $2.29B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $104.13M | $104.43M | $104.72M | $105.00M | $104.64M | $155.15M | $155.66M | $162.15M | $162.64M | $113.12M |
| Total Liabilities | $1.96B | $1.97B | $1.97B | $2.04B | $2.04B | $2.05B | $2.09B | $2.13B | $2.05B | $2.06B |
| Stockholders' Equity | $275.82M | $273.93M | $269.87M | $263.47M | $258.65M | $253.04M | $253.25M | $245.21M | $233.66M | $235.30M |
| Retained Earnings | $153.25M | $151.94M | $149.40M | $145.62M | $142.81M | $141.29M | $138.32M | $136.88M | $139.05M | $140.02M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.10M | - | - | - | $2.21M | - | - | - | ($12.49M) | - |
| Investing Cash Flow | $9.33M | - | - | - | $9.81M | - | - | - | $12.26M | - |
| Financing Cash Flow | ($4.86M) | - | - | - | ($10.10M) | - | - | - | ($6.54M) | - |
| CapEx | $335.0K | - | - | - | $70.0K | - | - | - | $858.0K | - |
| Free Cash Flow | $2.77M | - | - | - | $2.14M | - | - | - | ($13.35M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.62 | - | - | - | 0.46 | - | - | - | -6.97 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 16.5% | - | 18.1% | 17.8% | 16.4% | - | 15.0% | 2.0% | 14.0% | - |
| Return on assets | 0.2% | - | 0.3% | 0.3% | 0.2% | - | 0.2% | 0.0% | 0.1% | - |
| Return on equity | 1.6% | - | 2.6% | 2.2% | 1.8% | - | 1.8% | 0.4% | 0.8% | - |
| Return on invested capital | 1.2% | - | 1.9% | 1.6% | 1.3% | - | 1.1% | 0.2% | 0.5% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.38 | 0.38 | 0.39 | 0.40 | 0.40 | 0.61 | 0.61 | 0.66 | 0.70 | 0.48 |
| Debt / Assets | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.07 | 0.07 | 0.07 | 0.07 | 0.05 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.1x | 0.2x | - |
| Equity multiplier | 8.11 | 8.18 | 8.32 | 8.76 | 8.90 | 9.12 | 9.27 | 9.67 | 9.77 | 9.74 |
| Liabilities / Assets | 0.88 | 0.88 | 0.88 | 0.89 | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 50.3x | - | 30.6x | 35.4x | 44.8x | - | 48.6x | 198.7x | 106.3x | - |
| P / B | 0.8x | - | 0.8x | 0.8x | 0.8x | - | 0.8x | 0.8x | 0.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -3.5% | - | 59.0% | 663.1% | 147.6% | - | 6.2% | -83.5% | -55.9% | - |
| Net income growth (YoY) | -3.6% | - | 53.0% | 539.9% | 140.7% | - | 11.4% | -80.3% | -53.9% | - |
| EPS growth (YoY) | -6.1% | - | 58.1% | 485.7% | 120.0% | - | -16.2% | -83.3% | -59.5% | - |
| EPS CAGR (3y) | -5.7% | - | 0.0% | -5.8% | -4.6% | - | -7.4% | -44.5% | -28.5% | - |
| EPS CAGR (5y) | -5.4% | - | 8.2% | 1.0% | -3.3% | - | -2.9% | -27.9% | -15.6% | - |
| FCF growth (YoY) | 29.1% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | -5.8% | - | - | - | 26.6% | - | - | - | - | - |
| Book value growth (YoY) | 6.6% | 8.3% | 6.6% | 7.4% | 10.7% | 7.5% | 25.8% | 21.2% | 14.5% | 17.3% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$16.91M totalFiduciary And Trust$9.53M · 56.3%
Deposit Account$7.38M · 43.7%
Peer comparison
Same SIC group: National Commercial Banks
Comparing LCNB CORP against the 5 most active filers in the same SIC group.
Dividends
$0.88/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| Jun 1, 2026 | $0.2200 |
| Mar 2, 2026 | $0.2200 |
| Dec 1, 2025 | $0.2200 |
| Sep 2, 2025 | $0.2200 |
| Jun 2, 2025 | $0.2200 |
| Mar 3, 2025 | $0.2200 |
| Dec 2, 2024 | $0.2200 |
| Sep 3, 2024 | $0.2200 |
| Jun 3, 2024 | $0.2200 |
| Feb 29, 2024 | $0.2200 |
| Nov 30, 2023 | $0.2200 |
| Aug 31, 2023 | $0.2100 |
| May 31, 2023 | $0.2100 |
| Feb 28, 2023 | $0.2100 |
| Nov 30, 2022 | $0.2100 |
| Aug 31, 2022 | $0.2000 |
| May 31, 2022 | $0.2000 |
| Feb 28, 2022 | $0.2000 |
| Nov 30, 2021 | $0.2000 |
| Aug 31, 2021 | $0.1900 |
| May 28, 2021 | $0.1900 |
| Feb 26, 2021 | $0.1900 |
| Nov 30, 2020 | $0.1900 |
| Aug 31, 2020 | $0.1800 |