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+20.0%
5Y+151.0%
10Y+122.0%
3Y-208.0%
5Y-165.0%
10Y-289.0%
3Y-515.0%
5Y-230.0%
10Y-732.0%
LCNB

LCNB Corp. Cash Conversion Engine

LCNB ยท NASDAQ
Net Income23.12M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital2.85M
Others8.42M
Capital Expenditures-959.00K
Free Cash Flow33.44M

Cash Flow Quality Analysis

FCF Conversion Rate

144.6%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

2.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-62.6%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

+$2.85M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

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 Corp. Cash Flow Statement

LCNB โ€ข NASDAQ

LCNB Corp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

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