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LCNB Corp.

LCNB

NASDAQFinancial ServicesBanks - Regional

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Latest quote

$19.48

Market data unavailable

Aug 21, 3:55 PM ET

LCNB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

88

Deep Value

Momentum

51

Neutral

Sentiment

63

Bullish

Risk resilience

69

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US

Market position

Volume
36.61K
Market cap
276.8M USD

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
330.7M USD
P/E (TTM)
11.23×
P/B (TTM)
0.98×
P/S (TTM)
2.22×
EV / EBITDA
11.47×
Earnings yield
10.01%
Free cash flow yield
14.48%
Dividend yield
4.53%

Profitability & efficiency

Gross margin
73.86%
Operating margin
24.42%
Net margin
19.69%
Return on equity
8.44%
Return on assets
1.03%
Return on invested capital
-41.75%

Financial health

Debt / equity
0.37×
Current ratio
0.55×
Altman Z-score
-0.56
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%70%36%2%Gross margin, FY2021: 95.02%Gross margin, FY2022: 93.80%Gross margin, FY2023: 73.34%Gross margin, FY2024: 63.18%Gross margin, FY2025: 72.26%Operating margin, FY2021: 33.67%Operating margin, FY2022: 33.67%Operating margin, FY2023: 16.06%Operating margin, FY2024: 12.73%Operating margin, FY2025: 22.66%Net margin, FY2021: 27.60%Net margin, FY2022: 27.65%Net margin, FY2023: 13.29%Net margin, FY2024: 10.76%Net margin, FY2025: 18.61%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.02%. Gross margin FY2022 93.80%. Gross margin FY2023 73.34%. Gross margin FY2024 63.18%. Gross margin FY2025 72.26%. Operating margin FY2021 33.67%. Operating margin FY2022 33.67%. Operating margin FY2023 16.06%. Operating margin FY2024 12.73%. Operating margin FY2025 22.66%. Net margin FY2021 27.60%. Net margin FY2022 27.65%. Net margin FY2023 13.29%. Net margin FY2024 10.76%. Net margin FY2025 18.61%.

Income trends

Revenue

124.24M USD-0.94%

Operating income

28.15M USD+76.38%

Net income

23.12M USD+71.36%
Income trends across reported periods136.7M USD91.58M USD46.47M USD1.35M USDRevenue, FY2021: 75.99M USDRevenue, FY2022: 80.04M USDRevenue, FY2023: 95.01M USDRevenue, FY2024: 125.42M USDRevenue, FY2025: 124.24M USDOperating income, FY2021: 25.59M USDOperating income, FY2022: 26.95M USDOperating income, FY2023: 15.26M USDOperating income, FY2024: 15.96M USDOperating income, FY2025: 28.15M USDNet income, FY2021: 20.97M USDNet income, FY2022: 22.13M USDNet income, FY2023: 12.63M USDNet income, FY2024: 13.49M USDNet income, FY2025: 23.12M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 75.99M USD. Revenue FY2022 80.04M USD. Revenue FY2023 95.01M USD. Revenue FY2024 125.42M USD. Revenue FY2025 124.24M USD. Operating income FY2021 25.59M USD. Operating income FY2022 26.95M USD. Operating income FY2023 15.26M USD. Operating income FY2024 15.96M USD. Operating income FY2025 28.15M USD. Net income FY2021 20.97M USD. Net income FY2022 22.13M USD. Net income FY2023 12.63M USD. Net income FY2024 13.49M USD. Net income FY2025 23.12M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue124.24M USD125.42M USD95.01M USD80.04M USD75.99M USD
Cost of goods sold34.46M USD46.18M USD25.33M USD4.96M USD3.78M USD
Gross profit89.78M USD79.24M USD69.68M USD75.08M USD72.21M USD
Selling, general, and administrative41M USD38.11M USD31.14M USD30.2M USD29.35M USD
Operating expenses61.63M USD63.28M USD54.42M USD48.13M USD46.62M USD
Interest income102.75M USD104.83M USD79.42M USD65.67M USD61.11M USD
Interest expense32.53M USD44.22M USD23.25M USD4.71M USD4.05M USD
Depreciation and amortization668K USD604K USD2.99M USD2.74M USD2.61M USD
Operating income28.15M USD15.96M USD15.26M USD26.95M USD25.59M USD
Net income23.12M USD13.49M USD12.63M USD22.13M USD20.97M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
1.63
FY2025 · +68.04% year over year
Latest fiscal-year revenue
124.24M USD
FY2025 · -0.94% year over year
Next fiscal-year EPS consensus
1.8
FY2026 · 2 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend2.031.641.260.87FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend130.36M110.59M90.82M71.05MFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$19.00

2.21% downside
Past 12 months12-month forecastHigh $19.00Average $19.00Low $19.00

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.88

2025 complete year+14.3% since 2021

2026 partial: $0.44

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 1, 2026

$0.22

Quarterly

Record Sep 1, 2026 · Payment Sep 15, 2026

Dividend

Ex-dividend Jun 1, 2026

$0.22

Quarterly

Record Jun 1, 2026 · Payment Jun 15, 2026

Dividend

Ex-dividend Mar 2, 2026

$0.22

Quarterly

Record Mar 2, 2026 · Payment Mar 16, 2026

Dividend

Ex-dividend Dec 1, 2025

$0.22

Quarterly

Record Dec 1, 2025 · Payment Dec 15, 2025

Dividend

Ex-dividend Sep 2, 2025

$0.22

Quarterly

Record Sep 2, 2025 · Payment Sep 16, 2025

Dividend

Ex-dividend Jun 2, 2025

$0.22

Quarterly

Record Jun 2, 2025 · Payment Jun 16, 2025

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ETFs holding LCNB

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
8.08M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
6.73M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
3.05M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.95M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
1.6M
Weight
0.07%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.54M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
1.01M
Weight
0.01%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.29+0.72%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
958.79K
Weight
0.06%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%

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