LCNB CORP LCNB
Last close
19.53
2026-09-04
Market cap
$278.4M
2026-06-30 share count
52-week range
14.30 - 21.32
Valuation FY2025 figures against the last close
P/S2.7x
P/E12.0x
P/FCF8.3x
EV/EBITDA—
Dividend yield4.5%
Diluted EPS1.63
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 1.63 | 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 |
| Shares, diluted (wtd. avg.) | $14.1M | $13.8M | $11.4M | $11.4M | $12.6M | $12.9M | $13.1M | $11.9M | $10.0M | $10.0M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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.
Others in SIC 6021
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| JPM | JPMORGAN CHASE & CO | $953.33B | 17.9x | 2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | $438.31B | 16.5x | 6.8% |
| WFC | WELLS FARGO & COMPANY/MN | $272.07B | 14.4x | -3.8% |
| C | CITIGROUP INC | $240.92B | 19.7x | 5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | $136.66B | 54.5x | 36.3% |
| USB | US BANCORP \DE\ | $98.73B | 13.7x | 4.4% |
| PNC | PNC FINANCIAL SERVICES GROUP, INC. | $97.98B | 14.8x | 7.2% |
| TFC | TRUIST FINANCIAL CORP | $63.10B | 13.5x | -2.1% |