LCNB Stock - LCNB Corp.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $125.42M | $95.01M | $80.04M | $75.99M | $78.49M |
| Gross Profit | $79.24M | $69.68M | $75.08M | $72.21M | $68.92M |
| Gross Margin | 63.2% | 73.3% | 93.8% | 95.0% | 87.8% |
| Operating Income | $15.96M | $15.26M | $26.95M | $25.59M | $24.16M |
| Net Income | $13.49M | $12.63M | $22.13M | $20.97M | $20.07M |
| Net Margin | 10.8% | 13.3% | 27.6% | 27.6% | 25.6% |
| EPS | $0.97 | $1.10 | $1.93 | $1.66 | $1.55 |
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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 20th 2024 | Hovde Group | Initiation | Market Perform | $16.25 |
| November 30th 2022 | Janney | Initiation | Neutral | $19 |
Earnings History & Surprises
LCNBEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 29, 2026 | $0.44 | — | — | — |
Q4 2025 | Oct 22, 2025 | $0.42 | $0.49 | +16.7% | ✓ BEAT |
Q3 2025 | Jul 22, 2025 | $0.37 | $0.41 | +10.8% | ✓ BEAT |
Q2 2025 | Apr 22, 2025 | $0.39 | $0.33 | -15.4% | ✗ MISS |
Q1 2025 | Jan 30, 2025 | $0.30 | $0.44 | +46.7% | ✓ BEAT |
Q4 2024 | Oct 21, 2024 | $0.27 | $0.31 | +14.8% | ✓ BEAT |
Q3 2024 | Jul 23, 2024 | $0.18 | $0.29 | +61.1% | ✓ BEAT |
Q2 2024 | Apr 30, 2024 | $0.36 | $0.15 | -58.3% | ✗ MISS |
Q1 2024 | Feb 2, 2024 | $0.36 | $0.57 | +58.3% | ✓ BEAT |
Q4 2023 | Oct 24, 2023 | $0.40 | $0.37 | -7.5% | ✗ MISS |
Q3 2023 | Jul 21, 2023 | $0.36 | $0.42 | +16.7% | ✓ BEAT |
Q2 2023 | Apr 24, 2023 | $0.52 | $0.37 | -28.8% | ✗ MISS |
Q1 2023 | Mar 15, 2023 | — | $0.57 | — | — |
Q4 2022 | Oct 21, 2022 | $0.43 | $0.49 | +14.0% | ✓ BEAT |
Q3 2022 | Jul 26, 2022 | $0.40 | $0.49 | +22.5% | ✓ BEAT |
Q2 2022 | Apr 26, 2022 | $0.37 | $0.38 | +2.7% | ✓ BEAT |
Q1 2022 | Jan 28, 2022 | $0.37 | $0.45 | +21.6% | ✓ BEAT |
Q4 2021 | Oct 21, 2021 | $0.43 | $0.39 | -9.3% | ✗ MISS |
Q3 2021 | Jul 22, 2021 | $0.40 | $0.41 | +2.5% | ✓ BEAT |
Latest News
LCNB Q3 EPS $0.49 Beats $0.42 Estimate, Sales $23.830M Beat $23.200M Estimate
📈 PositiveLCNB Promotes Robert Haines II To President, And Andrew Wallace As CFO
📈 PositiveLCNB Corp Files For Mixed Shelf Of Up To $100M
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