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+55.0%
5Y+58.0%
10Y+131.0%
3Y+4.0%
5Y+15.0%
10Y+85.0%
3Y+20.0%
5Y+151.0%
10Y+122.0%
LCNB Corp.

LCNB Corp. Profit Bridge

LCNB ยท NASDAQ
Revenue124.24M
Cost of Goods Sold (34.46M)
Gross Profit89.78M
Operating Expenses (61.63M)
Operating Income28.15M
Interest Expense (32.52M)
Other Income/Expense0.00
Pretax Income28.15M
Income Tax (5.03M)
Net Income23.12M
Net Income
23.12M

Profitability Analysis

Gross Margin

72.3%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

22.7%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

18.6%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

17.9%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

LCNB Corp. Income Statement

LCNB โ€ข NASDAQ

LCNB Corp. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
124.2M
125.4M
95M
80M
76M
78.5M
77M
65.1M
54.3M
53.9M
52.1M
48M
42.1M
38.4M
39.3M
42.4M
42.1M
42.8M
40.3M
38.9M
GROSS PROFIT
(34.5M)
(46.2M)
(25.3M)
(5M)
(3.8M)
(9.6M)
(11M)
(7.3M)
(3.8M)
(4.4M)
(4.7M)
(4.5M)
(4.7M)
(6.2M)
(8.5M)
(10M)
(11.5M)
(14M)
(14.1M)
(12.4M)
89.8M
79.2M
69.7M
75.1M
72.2M
68.9M
66M
57.7M
50.5M
49.3M
47.4M
43.5M
37.4M
32.1M
30.8M
32.4M
30.6M
28.8M
26.2M
26.7M
OPERATING INCOME
(61.6M)
(63.3M)
(54.4M)
(48.1M)
(46.6M)
(44.8M)
(42.9M)
(39.9M)
(33.3M)
(32.5M)
(31.7M)
(30.2M)
(25.7M)
(21.1M)
(21.3M)
(20.8M)
(20.7M)
(19.9M)
(18.3M)
(17.8M)
(41M)
(38.1M)
(31.1M)
(30.2M)
(29.3M)
(28.7M)
(27.6M)
(23.5M)
(20.6M)
(20.2M)
(19.6M)
(17.8M)
(15.1M)
(13M)
(13.2M)
(13.1M)
(12.3M)
(13.2M)
(10.6M)
(10.2M)
28.2M
16M
15.3M
26.9M
25.6M
24.2M
23M
17.8M
17.2M
16.9M
15.7M
13.3M
11.7M
11.1M
9.5M
11.6M
9.9M
8.8M
7.9M
8.7M
PRE-TAX INCOME
(32.5M)
(44.2M)
(23.3M)
(4.7M)
(4.1M)
(7.6M)
(10.8M)
(6.4M)
(3.6M)
(3.5M)
(3.3M)
(3.6M)
(4.1M)
(4.9M)
(6.4M)
(8.3M)
(10.1M)
(13.4M)
(13.8M)
(12.2M)
70.2M
60.6M
56.2M
61M
57.1M
56.1M
54.3M
48.1M
40.8M
40.1M
39.3M
35.9M
29.4M
25M
25.7M
25.7M
24.8M
20.8M
18.2M
18.3M
(20.6M)
(25.2M)
(23.3M)
(17.9M)
(17.3M)
(16.1M)
(15.4M)
(16.5M)
(12.7M)
(12.3M)
(12.1M)
(12.4M)
(10.6M)
(8.1M)
(8.1M)
(7.7M)
(8.4M)
(6.8M)
(7.8M)
(7.6M)
28.2M
16M
15.3M
26.9M
25.6M
24.2M
23M
17.8M
17.2M
16.9M
15.7M
13.3M
11.7M
11.1M
9.5M
11.6M
9.9M
8.8M
7.9M
8.7M
NET INCOME
(5M)
(2.5M)
(2.6M)
(4.8M)
(4.6M)
(4.1M)
(4.1M)
(2.9M)
(4.3M)
(4.4M)
(4.2M)
(3.4M)
(2.9M)
(2.8M)
(2.2M)
(2.5M)
(2.2M)
(2.2M)
(1.9M)
(2.2M)
23.1M
13.5M
12.6M
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

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