$16.00
-3.4%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
LCNB โข NASDAQ
| LCNB Corp. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
23.1M | 13.5M | 12.5M | 22.1M | 21M | 20.1M | 18.9M | 14.8M | 13M | 12.5M | 11.5M | 9.9M | 8.8M | 8.3M | 8.1M | 9.4M | 7.8M | 6.6M | 6M | 6.5M | |
0.0 | 604K | 3M | 2.7M | 2.6M | 2.2M | 3.2M | 4.1M | 3.3M | 2.6M | 3M | 3M | 2.2M | 3.1M | 3M | 2.8M | 2.4M | 2.1M | 2.2M | 2.3M | |
0.0 | 2M | -323K | -345K | 294K | 134K | 419K | 228K | 2M | 928K | -58K | 192K | 192K | 31K | -231K | -112K | -375K | -43K | -215K | -101K | |
0.0 | 588K | 563K | 531K | 249K | 137K | 134K | 107K | 76K | 95K | 109K | 24K | 37K | 41K | 45K | 40K | 0.0 | 0.0 | 0.0 | 0.0 | |
8.4M | 77.9M | -47K | -1.1M | -2.2M | -1.1M | -1.1M | 741K | -860K | -205K | 364K | -8K | -1.5M | -1.1M | -679K | -528K | 384K | 21K | 234K | -460K | |
(0.0) | (0.0) | (2.7M) | (4.1M) | (3.7M) | (3.8M) | (3.5M) | (2M) | (2.2M) | (4.4M) | (4.8M) | (2.6M) | (3.7M) | (2.2M) | (3.6M) | (2.5M) | (0.0) | (0.0) | (0.0) | (0.0) | |
2.9M | -1.3M | 7.6M | 4.7M | -4.1M | -7.8M | 331K | -252K | 675K | -373K | -1.6M | 2.9M | 718K | 672K | 429K | 2.2M | -1.5M | -264K | -428K | 76K | |
34.4M | 93.2M | 23.4M | 28.7M | 17.8M | 13.7M | 22M | 19.7M | 18.1M | 15.5M | 13.2M | 15.9M | 10.4M | 11M | 10.7M | 13.8M | 8.7M | 8.4M | 7.7M | 8.3M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -3.8M | -2.6M | -884K | -1.9M | -2.8M | -3.9M | -600K | -6.6M | -9.5M | -504K | -1.1M | -858K | -478K | -2.6M | -1.4M | -1.3M | -2.5M | -2.3M | -637K | |
(0.0) | -2.1M | (1.9M) | (0.0) | (0.0) | (0.0) | (0.0) | (12.9M) | (0.0) | (0.0) | (9M) | -9.1M | (9.8M) | (0.0) | (1.5M) | (0.0) | (0.0) | (0.0) | -1.1M | -515K | |
(0.0) | -25M | -5M | -44M | -164.2M | -105.9M | -56.2M | -4.5M | -32.6M | -149.9M | -167.3M | -103.3M | -83.8M | -140.2M | -117M | -156.2M | -160.6M | -93.1M | -13.1M | -33.9M | |
0.0 | 44.9M | 32.1M | 25M | 58.6M | 81.2M | 124.6M | 39.2M | 82.3M | 183.6M | 131.2M | 108.7M | 95M | 130.9M | 104.7M | 122M | 84.1M | 44.5M | 38.8M | 56.5M | |
52.1M | 47.5M | -86.7M | -28.5M | -67.6M | -52.6M | -55.4M | -57.7M | -28.3M | -51.7M | -38M | -6.3M | -20.7M | 4.3M | -7.8M | 4.5M | -10.1M | -8.7M | -13.9M | -31.8M | |
(52.1M) | (61.4M) | -60.4M | -48.4M | -175.2M | -80.1M | (9.1M) | -10.8M | (14.8M) | -27.5M | -65.6M | -11M | -587K | -5.5M | -21.2M | -31.1M | -87.9M | -59.7M | (8.4M) | -10.4M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
556K | 538K | -2.9M | -23.3M | -7.9M | -1.5M | -6.4M | -283K | 41K | -1.5M | 66K | 58K | 27M | 49K | 193K | 0.0 | 0.0 | 0.0 | -495K | -3.2M | |
-50.7M | -68.4M | 58M | 80.5M | -12M | -19M | -62.3M | 23M | 4.7M | -947K | 15.3M | 6.6M | -8.5M | -15.5M | -1.8M | 5.6M | 32M | 747K | -8.9M | 12.3M | |
-12.5M | -12.2M | -9.9M | -9.2M | -9.7M | -9.4M | -9M | -7.8M | -6.1M | -6M | -5.9M | -5.6M | -4.9M | -4M | -4.3M | -4.3M | -4.8M | -4.3M | -3.9M | -3.9M | |
(0.0) | (0.0) | -3.3M | -23.7M | -8.3M | -1.9M | -6.8M | -348K | (0.0) | -1.5M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1K | -13.4M | (0.0) | (0.0) | (0.0) | |
-37.9M | -78.5M | 8.9M | -23.8M | 173.4M | 107.3M | 47.4M | -29.3M | -25M | 24.4M | 42.1M | -4.8M | -22.2M | 7.9M | 25M | 14.4M | 46.6M | 41.7M | 12.9M | -2.9M | |
-100.6M | -158.6M | 54.1M | 24.2M | 143.8M | 77.3M | -30.3M | -14.3M | -26.4M | 15.9M | 51.5M | -3.8M | -8.6M | -11.5M | 19.1M | 15.7M | 73.8M | 38.2M | -468K | 2.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-14.1M | -4M | 17M | 4.6M | -13.6M | 11M | 725K | -5.3M | 6.5M | 3.9M | -858K | 1.2M | 1.2M | -6.1M | 8.5M | -1.6M | -5.4M | -13.2M | 15.7M | 181K | |
35.7M | 39.7M | 22.7M | 18.1M | 31.7M | 20.8M | 20M | 25.4M | 18.9M | 15M | 15.8M | 14.7M | 13.5M | 19.5M | 11M | 12.6M | 18M | 31.2M | 15.5M | 15.3M | |
21.6M | 35.7M | 39.7M | 22.7M | 18.1M | 31.7M | 20.8M | 20M | 25.4M | 18.9M | 15M | 15.8M | 14.7M | 13.5M | 19.5M | 11M | 12.6M | 18M | 31.2M | 15.5M | |
33.4M | 89.4M | 20.8M | 27.8M | 15.9M | 10.9M | 18M | 19.1M | 11.5M | 6M | 12.7M | 14.9M | 9.6M | 10.5M | 8.1M | 12.4M | 7.4M | 5.9M | 5.5M | 7.6M |
LCNB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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