LCNB CORP LCNB

Financials SIC 6021 - National Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Last close 19.73 2026-10-23
Market cap $281.3M 2026-06-30 share count
52-week range 14.83 - 21.32

Valuation FY2025 figures against the last close

P/S2.7x
P/E12.1x
P/FCF8.4x
EV/EBITDA—
Dividend yield4.4%
Diluted EPS1.63

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $102.7M$105.0M$79.6M$65.8M$61.2M$63.8M$65.2M$54.6M$44.5M$43.8M
Interest expense $70.2M$60.8M$56.3M$61.0M$4.1M$7.6M$10.8M$6.4M$3.6M$3.5M
Pre-tax income $28.2M$16.0M$15.3M$26.9M$25.6M$24.2M$23.0M$17.8M$17.2M$16.9M
Income tax $5.0M$2.5M$2.6M$4.8M$4.6M$4.1M$4.1M$2.9M$4.3M$4.4M
Net income $23.1M$13.5M$12.6M$22.1M$21.0M$20.1M$18.9M$14.8M$13.0M$12.5M
EPS, basic 1.630.971.101.931.661.551.441.241.301.26
EPS, diluted 1.630.971.101.931.661.551.441.241.291.25
Shares, diluted (wtd. avg.) 14.1M13.8M11.4M11.4M12.6M12.9M13.1M11.9M10.0M10.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $21.6M$35.7M$39.7M$22.7M$18.1M$31.7M$20.8M$20.0M$25.4M$18.9M
Property, plant and equipment $39.2M$41.0M$36.3M$33.0M$35.4M$35.4M$34.8M$32.6M$34.9M$30.2M
Goodwill $90.3M$90.3M$79.5M$59.2M$59.2M$59.2M$59.2M$59.2M$30.2M$30.2M
Other intangibles $9.3M$11.1M$9.5M$1.8M$2.5M$3.5M$4.0M$5.0M$3.8M$4.6M
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$97.4M$71.5M$0—$0$56.2M$47.0M$42.0M
Long-term debt $104.4M$155.2M$113.1M$19.1M$10.0M—————
Total liabilities $1.97B$2.05B$2.06B$1.72B$1.67B$1.51B$1.41B$1.42B$1.15B$1.16B
Retained earnings $151.9M$141.3M$140.0M$139.2M$126.3M$115.1M$104.4M$94.5M$87.3M$80.7M
Total equity $273.9M$253.0M$235.3M$200.7M$238.6M$240.8M$228.0M$219.0M$150.3M$142.9M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $34.4M$93.2M$23.4M$28.7M$17.8M$13.7M$22.0M$19.7M$18.1M$15.5M
Depreciation and amortisation $668.0K$604.0K$3.0M$2.7M$2.6M$2.2M$1.8M$1.8M$1.5M$1.2M
Capital expenditure $959.0K$3.8M$2.6M$884.0K$1.9M$2.8M$3.9M$600.0K$6.6M$9.4M
Investing cash flow $52.1M$61.4M-$60.4M-$48.4M-$175.2M-$80.1M$9.1M-$10.8M$14.8M-$27.5M
Financing cash flow -$100.6M-$158.6M$54.1M$24.2M$143.8M$77.3M-$30.3M-$14.3M-$26.4M$15.9M
Dividends paid $12.5M$12.2M$9.9M$9.2M$9.7M$9.4M$9.0M$7.8M$6.1M$6.0M
Buybacks $69.0K$13.0K$3.3M$23.7M$8.3M$1.9M$6.8M$348.0K$0$0

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001437749-26-007758.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 43.8M Net income, FY2016: 12.5M Revenue, FY2017: 44.5M Net income, FY2017: 13M Revenue, FY2018: 54.6M Net income, FY2018: 14.8M Revenue, FY2019: 65.2M Net income, FY2019: 18.9M Revenue, FY2020: 63.8M Net income, FY2020: 20.1M Revenue, FY2021: 61.2M Net income, FY2021: 21M Revenue, FY2022: 65.8M Net income, FY2022: 22.1M Revenue, FY2023: 79.6M Net income, FY2023: 12.6M Revenue, FY2024: 105M Net income, FY2024: 13.5M Revenue, FY2025: 102.7M Net income, FY2025: 23.1M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $43.8M $44.5M $54.6M $65.2M $63.8M $61.2M $65.8M $79.6M $105.0M $102.7M
Gross profit — — — — — — — — — —
Net income $12.5M $13.0M $14.8M $18.9M $20.1M $21.0M $22.1M $12.6M $13.5M $23.1M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Regulation FD disclosure Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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