LCNB Corp.

LCNB Corp.

LCNBยทNASDAQ

$16.00

-3.4%
Financial ServicesBanks - Regional

LCNB Corp. operates as the financial holding company for LCNB National Bank that provides banking services in Ohio. Its deposit products include checking accounts, demand deposits, savings accounts, NOW and money market deposits, as well as certificates of deposit. The company's loan products comprise commercial and industrial, commercial and residential real estate, agricultural, construction, and small business administration loans; and residential mortgage loans that consists of loans for purchasing or refinancing personal residences, home equity lines of credit, and loans for commercial or consumer purposes secured by residential mortgages. It also offers consumer loans, such as automobile, recreational vehicles, boat, home improvement, and personal loans. In addition, the company provides trust administration, estate settlement, and fiduciary services; and investment management services for trusts, agency accounts, individual retirement accounts, and foundations/endowments. Further, it offers investment services and products, including financial needs analysis, mutual funds, securities trading, annuities, and life insurance; and security brokerage services. Additionally, the company provides safe deposit boxes, night depositories, cashier's checks, bank-by-mail, ATMs, cash and transaction services, debit cards, wire transfers, electronic funds transfer, utility bill collections, notary public service, cash management services, telephone banking, PC Internet banking, mobile banking, and other services for individuals and businesses. As of December 31, 2021, it operated 32 offices, including a main office in Warren County; branch offices in Warren, Butler, Clinton, Clermont, Fayette, Franklin, Hamilton, Montgomery, Preble, and Ross counties; and an operations center in Warren County, Ohio, as well as 37 ATMs. The company was founded in 1877 and is headquartered in Lebanon, Ohio.

At a Glance

Live Snapshot
Market Cap$227.94M
EPS1.6400
P/E Ratio9.76
Earnings Date07/28/2026
3Y+17.0%
5Y+28.0%
10Y+71.0%
3Y+14.0%
5Y+31.0%
10Y+69.0%
3Y+37.0%
5Y+14.0%
10Y+92.0%
lcnb

LCNB Corp. Funding & Solvency Profile

LCNB ยท NASDAQ
Cash & Cash Equivalents18.35M
Net Receivables7.97M
Inventory0.00
Other Current Assets0.00
Total Current Assets259 M
Property, Plant & Equipment45.67M
Goodwill & Intangible Assets99.58M
Long-Term Investments0.00
Other Non-Current Assets6.88M
Total Non-Current Assets53 M
Total Assets
2.24B

Financial Health Analysis

Current Ratio

0.55x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.18x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-207502000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

12% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

LCNB Corp. Balance Sheet

LCNB โ€ข NASDAQ

LCNB Corp. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
18.4M
36M
39.7M
22.7M
18.1M
31.7M
20.8M
21M
25.4M
18.9M
15M
15.8M
14.7M
13.5M
19.5M
11M
12.6M
11.3M
17.5M
14.9M
232.3M
98.9M
276.6M
289.9M
308.2M
209.5M
178M
238.4M
275.2M
320.7M
378M
285.4M
258.2M
258.5M
254M
0.0
0.0
0.0
0.0
0.0
250.6M
134.9M
316.3M
312.6M
326.3M
241.2M
198.8M
259.5M
300.6M
339.5M
393M
301.2M
272.9M
272M
273.5M
11M
12.6M
11.3M
17.5M
14.9M
8M
8.7M
8.4M
7.5M
8M
8.3M
3.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8M
8.7M
8.4M
7.5M
8M
8.3M
3.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
258.6M
143.6M
324.7M
320M
334.3M
249.5M
202.7M
259.5M
300.6M
339.5M
393M
301.2M
272.9M
272M
273.5M
11M
12.6M
11.3M
17.5M
14.9M
NON-CURRENT ASSETS
45.7M
46.8M
42.3M
39.3M
41.7M
41.7M
40.2M
32.6M
34.9M
30.2M
22.1M
20.7M
19.9M
16.6M
17.3M
16M
15.7M
15.6M
14.2M
12.1M
90.3M
90.3M
79.5M
59.2M
59.2M
59.2M
59.2M
59.2M
30.2M
30.2M
30.2M
27.6M
14.2M
5.9M
5.9M
5.9M
5.9M
5.9M
5.7M
0.0
9.3M
11.1M
9.5M
1.8M
2.5M
3.5M
4M
5M
3.8M
4.6M
5.4M
4.8M
2.8M
532K
532K
645K
0.0
0.0
1.2M
1.4M
99.6M
101.4M
89M
61M
61.7M
62.7M
63.2M
64.3M
34M
34.8M
35.6M
32.4M
17M
6.4M
6.4M
6.6M
5.9M
5.9M
6.9M
1.4M
0.0
1.9B
1.7B
1.4B
1.4B
1.3B
1.3B
1.2B
881.5M
857.2M
790.4M
718.6M
587.1M
465.8M
469.1M
700.4M
672M
587.6M
531.8M
499.5M
6.9M
119.4M
100.8M
79.1M
74.3M
69M
61.8M
52.1M
44.6M
45M
39.4M
35.1M
35.4M
27.9M
25.2M
26.2M
28.1M
29.4M
33.6M
20.4M
152.1M
2.2B
2B
1.6B
1.6B
1.5B
1.4B
1.4B
995M
967.3M
887.6M
806.9M
659.4M
516.7M
518M
749.1M
721.8M
638.5M
586.6M
533.4M
1.8B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.2B
2.3B
2.3B
1.9B
1.9B
1.7B
1.6B
1.6B
1.3B
1.3B
1.3B
1.1B
932.3M
788.6M
791.6M
760.1M
734.4M
649.7M
604.1M
548.2M
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
16.6M
19.7M
21.3M
16.5M
13.8M
12.2M
10.3M
9.9M
8.2M
6.9M
7.7M
7.1M
0.0
0.0
6.8M
5.1M
3.2M
0.0
0.0
0.0
16.6M
19.7M
21.3M
16.5M
13.8M
12.2M
10.3M
9.9M
8.2M
6.9M
7.7M
7.1M
0.0
0.0
6.8M
5.1M
3.2M
15.2M
0.0
0.0
0.0
0.0
0.0
16.5M
13.8M
12.2M
10.3M
9.9M
8.2M
6.9M
7.7M
7.1M
6.1M
5.4M
6.8M
0.0
0.0
0.0
0.0
97.4M
71.5M
0.0
0.0
0.0
56.2M
47.2M
42M
37.7M
16.6M
8.7M
13.8M
21.6M
21.7M
14.3M
2.2M
1.5M
15.4M
0.0
0.0
0.0
0.0
0.0
0.0
6.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
450.9M
1.9B
1.8B
1.6B
1.6B
1.5B
1.3B
1.3B
1.1B
1.1B
1.1B
946.2M
785.8M
671.5M
663.6M
638.5M
624.2M
577.6M
535.9M
478.6M
466.1M
1.9B
1.9B
1.7B
1.6B
1.5B
1.4B
1.4B
1.2B
1.2B
1.1B
979.2M
808.3M
700.6M
699.3M
666.3M
643.8M
593.4M
542.5M
497.2M
NON-CURRENT LIABILITIES
111.3M
155.2M
113.1M
19.1M
10M
22M
41M
47M
303K
598K
5.9M
11.4M
12.1M
13.7M
21.4M
23.1M
25M
5M
5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-15.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4B
14.8M
15.1M
0.0
0.0
0.0
-16.5M
-13.8M
-12.2M
-10.3M
-9.9M
-8.2M
-6.9M
-7.7M
-7.1M
0.0
0.0
-6.8M
0.0
0.0
1.5B
176.1M
134.5M
25.7M
16.5M
28.4M
29.9M
33.3M
-11.9M
-9.7M
-4M
3.2M
5.2M
6M
14.3M
23.1M
25M
-1.8M
5M
0.0
6.9M
6.1M
6.3M
6.6M
6.5M
6.4M
5.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2B
2.1B
2.1B
1.7B
1.7B
1.5B
1.4B
1.4B
1.1B
1.2B
1.1B
982.4M
813.5M
706.6M
713.6M
689.4M
668.8M
591.6M
547.5M
497.2M
SHAREHOLDERS' EQUITY
-56.1M
-56M
-56M
-52.7M
-29M
-20.7M
-18.8M
-12M
-11.7M
-11.7M
-11.7M
-11.7M
-11.7M
-11.7M
-11.7M
-11.7M
-11.7M
-11.7M
-11.7M
-11.2M
188.2M
186.9M
173.6M
144.1M
143.1M
142.4M
141.8M
141.2M
77M
76.5M
76.9M
67.2M
66.8M
27.1M
26.8M
0.0
0.0
0.0
0.0
10.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
27.1M
26.8M
26.5M
26.5M
25.9M
25.8M
10.6M
151.9M
141.3M
140M
139.2M
126.3M
115.1M
104.4M
94.5M
87.3M
80.7M
74.6M
69.4M
65.5M
61.8M
57.9M
54M
49M
46.6M
44.3M
42.2M
-10.2M
-19.2M
-22.3M
-30M
-1.8M
4M
673K
-4.7M
-2.3M
-2.6M
236K
785K
-1.7M
-22.4M
-21.7M
1.8M
1.9M
-2.6M
-1.8M
-1.1M
273.9M
253M
235.3M
200.7M
238.6M
240.8M
228M
219M
150.3M
142.9M
140.1M
125.7M
118.9M
82M
78M
70.7M
65.6M
58.1M
56.5M
51M
273.9M
253M
235.3M
200.7M
238.6M
240.8M
228M
219M
150.3M
142.9M
140.1M
125.7M
118.9M
82M
78M
70.7M
65.6M
58.1M
56.5M
51M
SUMMARY
2.2B
2.3B
2.3B
1.9B
1.9B
1.7B
1.6B
1.6B
1.3B
1.3B
1.3B
1.1B
932.3M
788.6M
791.6M
760.1M
734.4M
649.7M
604.1M
548.2M
232.3M
2B
2B
1.7B
1.7B
1.5B
1.4B
1.5B
1.2B
1.2B
1.2B
1B
845.3M
724.3M
723.1M
700.4M
672M
587.6M
531.8M
499.5M
118.2M
161.3M
216.8M
96.9M
16.5M
28.4M
46.4M
103.3M
47.3M
42.6M
43.3M
28M
20.8M
27.5M
43M
44.8M
39.2M
7.2M
6.5M
15.4M
99.8M
125.3M
177.1M
74.2M
-1.7M
-3.4M
25.7M
82.2M
21.9M
23.8M
28.3M
12.2M
6.1M
14M
23.4M
33.8M
26.6M
-4.1M
-11M
506K
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900
14,175,900

SEC Filings

LCNB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 27, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 12, 2026
April 27, 2026
2026
10-K

10-K 2025 FY

FY

March 11, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 02, 2026
February 02, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
S-3/A

S-3/A (Amended)

N/A

November 25, 2025
November 25, 2025
ย 
10-Q

10-Q 2025 Q3

Q3

November 05, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

November 03, 2025
November 03, 2025
2025
Showing 1 to 10 of 356 filings