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Financials · LCNB

LCNB Corporation (LCNB) financials

For the twelve months ended Sep 30, 2026, LCNB Corporation reported $97.56M of revenue and $24.90M of net income.

Revenue, TTM
$97.56M
Revenue growth, YoY
+7.4%
Net income, TTM
$24.90M
Net income growth, YoY
+5.6%
Net margin
25.5%
Free cash flow, TTM
$32.81M
EPS, diluted, TTM
$1.75
EPS growth, YoY
+4.8%
Cash
$70.25M
Total debt
$70.00M
P/E
11.25
P/S
2.87
Market cap
$280.3M
Annual revenue$92.00M
FY2016FY2025
Annual net income$23.12M
FY2016FY2025
Annual free cash flow$33.44M
FY2016FY2025

LCNB revenue and earnings growth

LCNB revenueQ3 2026$25.02M

Quarter YoY
+5.0%
QoQ
-0.5%
FY YoY
+13.3%
5Y CAGR
+5.0%
10Y CAGR
+6.4%

LCNB revenue was $25.02M in fiscal Q3 2026 (ended Sep 30, 2026), up 5.0% from a year earlier and down 0.5% from the prior quarter. For the full fiscal 2025 it was $92.00M, up 13.3% from fiscal 2024. Compound annual growth was +5.0% over 5 years and +6.4% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

LCNB net incomeQ3 2026$7.31M

Quarter YoY
+5.4%
QoQ
-2.5%
FY YoY
+71.4%
5Y CAGR
+2.9%
10Y CAGR
+7.3%

LCNB net income was $7.31M in fiscal Q3 2026 (ended Sep 30, 2026), up 5.4% from a year earlier and down 2.5% from the prior quarter. For the full fiscal 2025 it was $23.12M, up 71.4% from fiscal 2024. Compound annual growth was +2.9% over 5 years and +7.3% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

LCNB EPSQ3 2026$0.51

Quarter YoY
+4.1%
QoQ
-3.8%
FY YoY
+68.0%
5Y CAGR
+1.0%
10Y CAGR
+3.4%

LCNB diluted EPS was $0.51 in fiscal Q3 2026 (ended Sep 30, 2026), up 4.1% from a year earlier and down 3.8% from the prior quarter. For the full fiscal 2025 it was $1.63, up 68.0% from fiscal 2024. Compound annual growth was +1.0% over 5 years and +3.4% over 10 years.

LCNB free cash flowQ3 2026$10.22M

Quarter YoY
-25.2%
QoQ
+37.5%
FY YoY
-62.6%
5Y CAGR
+25.2%
10Y CAGR
+10.1%

LCNB free cash flow was $10.22M in fiscal Q3 2026 (ended Sep 30, 2026), down 25.2% from a year earlier and up 37.5% from the prior quarter. For the full fiscal 2025 it was $33.44M, down 62.6% from fiscal 2024. Compound annual growth was +25.2% over 5 years and +10.1% over 10 years. It rose in 5 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$92.00M$81.20M$71.76M$75.33M$73.36M$71.96M$66.75M$59.22M$51.32M$51.10M
Interest expense--$23.25M$4.71M$4.05M$7.56M$10.79M$6.42M$3.60M$3.50M
Pre-tax income$28.15M$15.96M$15.26M$26.95M$25.59M$24.16M$23.02M$17.79M$17.24M$16.93M
Income tax$5.03M$2.47M$2.63M$4.82M$4.61M$4.08M$4.11M$2.95M$4.27M$4.44M
Net income$23.12M$13.49M$12.63M$22.13M$20.97M$20.07M$18.91M$14.85M$12.97M$12.48M
EPS, basic$1.63$0.97$1.10$1.93$1.66$1.55$1.44$1.24$1.30$1.26
EPS, diluted$1.63$0.97$1.10$1.93$1.66$1.55$1.44$1.24$1.29$1.25
Diluted shares14.1M13.8M11.4M11.4M12.6M12.9M13.1M11.9M10.0M10.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$21.61M$35.74M$39.72M$22.70M$18.14M$31.73M$20.77M$20.04M$25.39M$18.86M
Goodwill$90.31M$90.31M$79.51M$59.22M$59.22M$59.22M$59.22M$59.22M$30.18M$30.18M
Total assets$2.24B$2.31B$2.29B$1.92B$1.90B$1.75B$1.64B$1.64B$1.30B$1.31B
Short-term debt$0$0$97.39M$71.45M$0-$0$56.23M$47.00M$42.04M
Total debt$104.43M$155.15M$113.12M$19.07M$10.00M$22.00M$40.99M$103.26M--
Total liabilities$1.97B$2.05B$2.06B$1.72B$1.67B$1.51B$1.41B$1.42B$1.15B$1.16B
Shareholders' equity$273.93M$253.04M$235.30M$200.68M$238.60M$240.82M$228.05M$218.99M$150.27M$142.94M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$34.40M$93.24M$23.36M$28.71M$17.82M$13.68M$21.97M$19.74M$18.14M$15.48M
Capital expenditures$959.0K$3.80M$2.61M$884.0K$1.94M$2.79M$3.93M$600.0K$6.62M$9.45M
Free cash flow$33.44M$89.44M$20.75M$27.83M$15.88M$10.89M$18.03M$19.14M$11.52M$6.03M
Investing cash flow$52.05M$61.39M-$60.41M-$48.38M-$175.22M-$80.05M$9.06M-$10.79M$14.80M-$27.52M
Financing cash flow-$100.58M-$158.61M$54.07M$24.23M$143.80M$77.34M-$30.30M-$14.30M-$26.41M$15.91M
Dividends paid$12.47M$12.22M$9.94M$9.19M$9.72M$9.45M$9.03M$7.77M$6.09M$6.05M
Share repurchases--$3.33M$23.66M$8.31M$1.87M$6.83M$348.0K$0$0
Depreciation and amortization$668.0K$604.0K$2.99M$2.74M$2.61M$2.23M$1.77M$1.78M$1.55M$1.21M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY13.3%13.2%-4.7%2.7%1.9%7.8%12.7%15.4%0.4%3.3%
Net income growth, YoY71.4%6.8%-42.9%5.5%4.5%6.1%27.4%14.4%3.9%8.8%
EPS growth, YoY68.0%-11.8%-43.0%16.3%7.1%7.6%16.1%-3.9%3.2%6.8%
Net margin25.1%16.6%17.6%29.4%28.6%27.9%28.3%25.1%25.3%24.4%
Free cash flow margin36.3%110.1%28.9%36.9%21.6%15.1%27.0%32.3%22.4%11.8%
Return on equity8.4%5.3%5.4%11.0%8.8%8.3%8.3%6.8%8.6%8.7%
Return on assets1.0%0.6%0.6%1.2%1.1%1.1%1.2%0.9%1.0%1.0%
Debt to equity0.380.610.480.100.040.090.180.47--

Source: XBRL data LCNB Corporation files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

LCNB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
LCNB$97.56M+7.4%$24.90M25.5%$280.3M
JPM$203.15B+13.2%$65.98B32.5%$908.40B
BAC$120.16B+5.4%$32.24B26.8%$349.70B
WFC$87.23B+5.4%$22.97B26.3%$257.44B
C$85.22B+5.6%$14.31B16.8%$202.38B
UBS$49.57B+2.0%$7.80B15.7%$152.60B
MFG¥8.79T+7.6%¥1.16T13.2%$123.62B
COF$63.01B+31.2%$10.87B17.2%$117.80B
BNSC$37.74B+12.1%C$7.79B20.6%$113.63B

LCNB FAQ

8 questions
  • What is LCNB revenue?
    LCNB Corporation (LCNB) reported $97.56M of revenue for the twelve months ended Sep 30, 2026. That is up 7.4% from the year before. Revenue for fiscal 2025 was $92.00M.
  • Is LCNB profitable?
    Yes. LCNB Corporation earned $24.90M in net income for the twelve months ended Sep 30, 2026, a net margin of 25.5%.
  • How much cash and debt does LCNB have?
    LCNB Corporation reported $70.25M in cash and cash equivalents and $70.00M of debt on its most recent balance sheet in SEC filings.
  • How fast is LCNB revenue growing?
    LCNB Corporation's revenue changed +13.3% in fiscal 2025, to $92.00M. Its compound annual growth rate was +5.0% over 5 years and +6.4% over 10 years.
  • What is LCNB free cash flow?
    LCNB Corporation generated $32.81M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $35.53M less capital expenditures.
  • What is LCNB earnings per share?
    Diluted earnings per share were $1.75 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did LCNB last report financial results?
    The latest statements here come from LCNB Corporation's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this LCNB financial data come from?
    Quantisnow builds these statements from the structured XBRL data LCNB Corporation files with the SEC. It is provided for information only and is not investment advice.