LCNB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price

$16.21

Market Cap

$233M

P/E (TTM)

10.1

EPS (TTM)

$1.63

Revenue (TTM)

—

Div Yield

5.4%

ROE

8.6%

Debt/Equity

0.0

52W Range

$14 – $18

LCNB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income —

EPS $1.63

2016-12-31 → 2025-12-31

Free Cash Flow $33M

2016-12-31 → 2025-12-31

Margins 25.1%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric

5Y trend

LCNB

Peer Median

P/E (TTM)

10.1

11.7

P/B

0.8

1.0

EV / EBITDA

315.9

—

Price / FCF

7.0

—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric

5Y trend

LCNB

Peer Median

Net Profit Margin

25.1%

25.6%

ROA

1.0%

0.98%

ROE

8.6%

8.3%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric

5Y trend

LCNB

Peer Median

Debt / Equity

0.0

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric

5Y trend

LCNB

Peer Median

Revenue YoY

13.3%

—

Revenue CAGR 3Y

6.9%

—

Revenue CAGR 5Y

5.0%

—

EPS YoY

68.0%

—

Net Income YoY

71.4%

—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric

5Y trend

LCNB

Peer Median

EPS (Diluted)

$1.63

—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric

5Y trend

LCNB

Peer Median

Payout Ratio

53.9%

—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield

5.4%

Payout Ratio

53.9%

5Y Div CAGR

—

Ex-date	Amount
March 2, 2026	$0.2200
Dec. 1, 2025	$0.2200
Sept. 2, 2025	$0.2200
June 2, 2025	$0.2200
March 3, 2025	$0.2200
Dec. 2, 2024	$0.2200
Sept. 3, 2024	$0.2200
June 3, 2024	$0.2200
Feb. 29, 2024	$0.2200
Nov. 30, 2023	$0.2200
Aug. 31, 2023	$0.2100
May 31, 2023	$0.2100
Feb. 28, 2023	$0.2100
Nov. 30, 2022	$0.2100
Aug. 31, 2022	$0.2000
May 31, 2022	$0.2000
Feb. 28, 2022	$0.2000
Nov. 30, 2021	$0.2000
Aug. 31, 2021	$0.1900
May 28, 2021	$0.1900

LCNB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

SELL 7 analysts

Strong Buy 0 0.0%
Buy 0 0.0%
Hold 4 57.1%
Sell 1 14.3%
Strong Sell 2 28.6%

12-Month Price Target

2 analysts · 2026-05-16

Median $17.50

← Below all targets $16.21

Low $17.00

High $18.00

Median target $17.50 +8.0%

Mean target $17.50 +8.0%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise

-0.01%

Period	EPS Actual	EPS Est	Surprise
March 31, 2026	$0.31	$0.36	-0.05%
Dec. 31, 2025	$0.40	$0.46	-0.06%
Sept. 30, 2025	$0.49	$0.43	0.06%
June 30, 2025	$0.41	$0.38	0.03%
March 31, 2025	$0.33	$0.36	-0.03%

Peer Comparison Key metrics vs sector peers

Ticker	Market Cap	P/E	Rev YoY	Net Margin	ROE	Gross Margin
LCNB	$233M	10.1	13.3%	25.1%	8.6%	—
CBNA	—	11.2	3.8%	36.8%	12.4%	—
FUNC	$243M	9.9	4.0%	133.1%	12.4%	—
CFFI	$236M	8.8	10.6%	19.1%	11.0%	—
BPRN	—	12.8	12.8%	—	—	—
VABK	$215M	11.2	6.7%	33.4%	10.8%	—
NKSH	$214M	13.5	9.8%	193.6%	8.9%	—
FBLA	$232M	183.6	-3.8%	2.4%	0.39%	—
TFC	$62.13B	12.9	53.0%	26.1%	8.2%	—

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 10

Annual Income Statement data for LCNB
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	·	·	$23M	$5M	$4M	$8M	$11M	$6M	$4M	$4M	$3M	$4M
Interest Income	$103M	$105M	$80M	$66M	$61M	$64M	$65M	$55M	$44M	$44M	$43M	$39M
Pretax Income	$28M	$16M	$15M	$27M	$26M	$24M	$23M	$18M	$17M	$17M	$16M	$13M
Income Tax	$5M	$2M	$3M	$5M	$5M	$4M	$4M	$3M	$4M	$4M	$4M	$3M
Net Income	$23M	$13M	$13M	$22M	$21M	$20M	$19M	$15M	$13M	$12M	$11M	$10M
EPS (Basic)	$1.63	$0.97	$1.10	$1.93	$1.66	$1.55	$1.44	$1.24	$1.30	$1.26	$1.18	$1.06
EPS (Diluted)	$1.63	$0.97	$1.10	$1.93	$1.66	$1.55	$1.44	$1.24	$1.29	$1.25	$1.17	$1.05
Shares (Basic)	14,086,379	13,764,985	11,417,857	11,410,981	12,589,605	12,914,277	13,078,920	11,935,350	10,005,575	9,948,057	9,704,965	9,297,019
Shares (Diluted)	14,086,379	13,764,985	11,417,857	11,410,981	12,589,613	12,914,584	13,082,893	11,942,253	10,012,511	9,976,370	9,811,467	9,406,346
EBITDA	$668.0K	$604.0K	$3M	$3M	$2M	$2M	$2M	$2M	$2M	$1M	$1M	$1M

Balance Sheet 18

Annual Balance Sheet data for LCNB
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Cash & Equivalents	$22M	$36M	$40M	$23M	$18M	$32M	$21M	$20M	$25M	$19M	$15M	$16M
PP&E (Net)	$39M	$41M	$36M	$33M	$35M	$35M	$35M	$33M	$35M	$30M	$22M	$21M
PP&E (Gross)	$72M	$71M	$65M	$60M	$61M	$60M	$59M	$55M	$56M	$50M	$41M	$38M
Accum. Depreciation	$32M	$30M	$29M	$27M	$26M	$24M	$24M	$23M	$21M	$20M	$19M	$18M
Goodwill	$90M	$90M	$80M	$59M	$59M	$59M	$59M	$59M	$30M	$30M	$30M	$28M
Intangibles	$9M	$11M	$9M	$2M	$2M	$3M	$4M	$5M	$4M	$5M	$5M	$5M
Total Assets	$2.24B	$2.31B	$2.29B	$1.92B	$1.90B	$1.75B	$1.64B	$1.64B	$1.30B	$1.31B	$1.28B	$1.11B
Short-term Debt	$0	$0	$97M	$71M	$0	·	$0	$56M	$47M	$42M	$37M	$17M
Total Liabilities	$1.97B	$2.05B	$2.06B	$1.72B	$1.67B	$1.51B	$1.41B	$1.42B	$1.15B	$1.16B	$1.14B	$982M
Long-term Debt	$104M	$155M	$113M	$19M	$10M	·	·	·	·	·	·	·
Total Debt	$0	$0	$97M	$71M	·	·	$0	$56M	$47M	$42M	$37M	$17M
Common Stock	$188M	$187M	$174M	$144M	$143M	$142M	$142M	$141M	$77M	$76M	$77M	$67M
Retained Earnings	$152M	$141M	$140M	$139M	$126M	$115M	$104M	$95M	$87M	$81M	$75M	$69M
Treasury Stock	$56M	$56M	$56M	$53M	$29M	$21M	$19M	$12M	$12M	$12M	$12M	$12M
AOCI	$-10M	$-19M	$-22M	$-30M	$-2M	$4M	$673.0K	$-5M	$-2M	$-3M	$236.0K	$785.0K
Stockholders' Equity	$274M	$253M	$235M	$201M	$239M	$241M	$228M	$219M	$150M	$143M	$140M	$126M
Liabilities + Equity	$2.24B	$2.31B	$2.29B	$1.92B	$1.90B	$1.75B	$1.64B	$1.64B	$1.30B	$1.31B	$1.28B	$1.11B
Shares Outstanding	14,193,577	14,118,040	13,173,569	11,259,080	12,414,956	12,858,325	12,936,783	13,295,276	10,023,059	9,998,025	9,925,547	9,311,318

Cash Flow 18

Annual Cash Flow data for LCNB
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
D&A	$668.0K	$604.0K	$3M	$3M	$3M	$2M	$2M	$2M	$2M	$1M	$1M	$1M
Deferred Tax	$3M	$2M	$-323.0K	$-345.0K	$294.0K	$134.0K	$419.0K	$228.0K	$1M	$928.0K	$-58.0K	$192.0K
Amort. of Intangibles	$1M	$1M	$532.0K	$478.0K	$1M	$1M	$1M	$922.0K	$751.0K	$753.0K	$700.0K	$574.0K
Other Non-cash	$8M	$77M	$5M	$715.0K	$-5M	$-8M	$867.0K	$3M	·	$864.0K	$396.0K	$4M
Operating Cash Flow	$34M	$93M	$23M	$29M	$18M	$14M	$22M	$20M	$18M	$15M	$13M	$16M
CapEx	$959.0K	$4M	$3M	$884.0K	$2M	$3M	$4M	$600.0K	$7M	$9M	$504.0K	$1M
Investing Cash Flow	$52M	$61M	$-60M	$-48M	$-175M	$-80M	$9M	$-11M	$15M	$-28M	$-66M	$-11M
Debt Issued	$363.0K	$50M	$95M	$15M	$0	$0	·	·	·	·	·	·
Net Debt Issued	$-51M	$42M	$88M	$9M	$-12M	$-19M	$-6M	$-7M	·	$-5M	$-5M	$-745.0K
Stock Issued	$625.0K	$525.0K	$428.0K	$408.0K	$434.0K	$401.0K	$446.0K	$65.0K	$41.0K	$52.0K	$66.0K	$58.0K
Stock Repurchased	·	·	$3M	$24M	$8M	$2M	$7M	$348.0K	$0	$0	·	·
Net Stock Activity	$625.0K	$525.0K	$-3M	$-23M	$-8M	$-2M	$-7M	$-283.0K	·	$52.0K	$66.0K	$58.0K
Dividends Paid	$12M	$12M	$10M	$9M	$10M	$9M	$9M	$8M	$6M	$6M	$6M	$6M
Financing Cash Flow	$-101M	$-159M	$54M	$24M	$144M	$77M	$-30M	$-14M	$-26M	$16M	$51M	$-4M
Net Change in Cash	$-14M	$-4M	$17M	$5M	$-14M	$11M	$725.0K	$-5M	$7M	$4M	$-858.0K	$1M
Taxes Paid	$-83.0K	$0	$3M	$4M	·	·	·	·	·	·	·	·
Free Cash Flow	$33M	$89M	$18M	$24M	$16M	$11M	$18M	$19M	·	$6M	$13M	$15M
Levered FCF	·	·	$-1M	$20M	$13M	$5M	$9M	$14M	·	$3M	$10M	$12M

Profitability 5

Annual Profitability data for LCNB
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Net Margin	25.1%	16.6%	17.6%	29.4%	28.6%	27.9%	28.3%	25.1%	25.3%	24.4%	23.2%	21.9%
Pretax Margin	30.6%	19.7%	21.3%	35.8%	34.9%	33.6%	34.5%	30.0%	33.6%	33.1%	31.7%	29.4%
EBITDA Margin	0.73%	0.74%	4.2%	3.6%	2.6%	2.5%	2.6%	3.0%	3.0%	2.4%	2.9%	3.3%
ROA	1.0%	0.59%	0.60%	1.2%	1.1%	1.2%	1.1%	1.0%	1.0%	0.96%	0.96%	0.97%
ROE	8.6%	5.3%	5.8%	11.2%	8.8%	8.4%	8.3%	6.9%	8.6%	8.6%	8.2%	7.9%

Liquidity & Solvency 1

Annual Liquidity & Solvency data for LCNB
Metric	Trend	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Debt / Equity		0.0	0.0	0.4	0.4	·	·	0.0	0.3	0.3	0.3	0.3	0.1

Efficiency 1

Annual Efficiency data for LCNB
Metric	Trend	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Asset Turnover		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0

Per Share 6

Annual Per Share data for LCNB
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Book Value / Share	$19.30	$17.92	$17.86	$17.82	$19.22	$18.73	$17.63	$16.47	$14.99	$14.30	$14.12	$13.50
Revenue / Share	$6.53	$5.90	$6.28	$6.60	$5.83	$5.57	$5.10	$4.96	$5.13	$5.12	$5.04	$4.79
Cash Flow / Share	$2.44	$6.77	$1.81	$2.21	$1.42	$1.06	$1.68	$1.65	·	$1.55	$1.35	$1.69
Cash / Share	$1.52	$2.53	$3.02	$2.02	$1.46	$2.47	$1.61	$1.51	$2.53	$1.89	$1.51	$1.70
Dividend / Share	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1
EPS (TTM)	$1.63	$0.97	$1.10	$1.93	$1.66	$1.55	$1.44	$1.24	$1.29	$1.25	$1.17	$1.05

Growth Rates 10

Annual Growth Rates data for LCNB
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue YoY	13.3%	13.2%	-4.7%	2.7%	1.9%	·	·	·	·	·	·	·
Revenue CAGR 3Y	6.9%	3.4%	-0.09%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	5.0%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	68.0%	-11.8%	-43.0%	16.3%	7.1%	·	·	·	·	·	·	·
EPS CAGR 3Y	-5.5%	-16.4%	-10.8%	·	·	·	·	·	·	·	·	·
EPS CAGR 5Y	1.0%	·	·	·	·	·	·	·	·	·	·	·
Net Income YoY	71.4%	6.8%	-42.9%	5.5%	4.5%	·	·	·	·	·	·	·
Net Income CAGR 3Y	1.5%	-13.7%	-14.3%	·	·	·	·	·	·	·	·	·
Net Income CAGR 5Y	2.9%	·	·	·	·	·	·	·	·	·	·	·
Dividend CAGR 5Y	5.7%	·	·	·	·	·	·	·	·	·	·	·

Valuation (TTM) 14

Annual Valuation (TTM) data for LCNB
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Net Income TTM	$23M	$13M	$13M	$22M	$21M	$20M	$19M	$15M	$13M	$12M	$11M	$10M
Market Cap	$233M	$214M	$208M	$203M	$242M	$189M	$250M	$201M	$205M	$232M	$162M	$140M
Enterprise Value	$211M	$178M	$265M	$251M	·	·	$229M	$238M	$227M	$256M	$185M	$141M
P/E	10.1	15.6	14.3	9.3	11.8	9.5	13.4	12.2	15.9	18.6	14.0	14.4
P/B	0.8	0.8	0.9	1.0	1.0	0.8	1.1	0.9	1.4	1.6	1.2	1.1
P / Tangible Book	1.3	1.4	1.4	1.5	1.4	1.1	·	·	·	·	·	·
P / Cash Flow	6.8	2.3	10.0	8.0	13.6	13.8	11.4	10.2	·	15.0	12.3	8.8
P / FCF	7.0	2.4	11.5	8.3	15.3	17.3	13.8	10.5	·	38.5	12.8	9.4
EV / EBITDA	315.9	294.5	88.8	91.6	·	·	129.3	133.8	146.3	211.3	129.5	95.4
EV / FCF	6.3	2.0	14.7	10.3	·	·	12.7	12.4	·	42.4	14.5	9.5
Dividend Yield	5.4%	5.7%	4.8%	4.5%	4.0%	5.0%	3.6%	3.9%	3.0%	2.6%	3.6%	4.0%
Earnings Yield	10.0%	6.4%	7.0%	10.7%	8.5%	10.5%	7.5%	8.2%	6.3%	5.4%	7.1%	7.0%
Payout Ratio	53.9%	90.6%	78.7%	41.5%	46.3%	45.3%	45.8%	52.4%	·	48.4%	51.5%	57.1%
Annual Payout	$12M	$12M	$10M	$9M	$10M	$9M	$9M	$8M	$6M	$6M	$6M	$6M

Income Statement 10

Quarterly Income Statement data for LCNB
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Interest Expense	·	·	·	·	·	·	·	$12M	$11M	·	$6M	$5M	$4M	·	$1M	$1M
Interest Income	$25M	$25M	$26M	$26M	$25M	$27M	$26M	$27M	$25M	$23M	$20M	$19M	$18M	$18M	$17M	$16M
Pretax Income	$5M	$7M	$8M	$7M	$6M	$7M	$5M	$944.0K	$2M	$-529.0K	$5M	$6M	$5M	$8M	$7M	$7M
Income Tax	$877.0K	$1M	$2M	$1M	$906.0K	$1M	$798.0K	$19.0K	$312.0K	$-236.0K	$949.0K	$1M	$898.0K	$1M	$1M	$1M
Net Income	$4M	$6M	$7M	$6M	$5M	$6M	$5M	$925.0K	$2M	$-293.0K	$4M	$5M	$4M	$6M	$6M	$6M
EPS (Basic)	$0.31	$0.40	$0.49	$0.41	$0.33	$0.44	$0.31	$0.07	$0.15	$-0.06	$0.37	$0.42	$0.37	$0.57	$0.49	$0.49
EPS (Diluted)	$0.31	$0.40	$0.49	$0.41	$0.33	$0.44	$0.31	$0.07	$0.15	$-0.06	$0.37	$0.42	$0.37	$0.57	$0.49	$0.49
Shares (Basic)	14,125,191	-28,148,109	14,097,414	14,085,764	14,051,310	-27,314,753	14,018,765	13,948,671	13,112,302	-21,866,341	11,038,720	11,056,308	11,189,170	-23,029,663	11,284,225	11,337,805
Shares (Diluted)	14,125,191	-28,148,109	14,097,414	14,085,764	14,051,310	-27,314,753	14,018,765	13,948,671	13,112,302	-21,866,341	11,038,720	11,056,308	11,189,170	-23,029,663	11,284,225	11,337,805
EBITDA	$219.0K	·	·	·	$503.0K	·	·	·	$481.0K	·	·	·	$720.0K	·	·	·

Balance Sheet 18

Quarterly Balance Sheet data for LCNB
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Cash & Equivalents	$29M	$22M	$36M	$50M	$38M	$36M	$39M	$35M	$33M	·	$43M	$26M	$32M	·	$29M	$32M
PP&E (Net)	$39M	$39M	$39M	$40M	$40M	$41M	$41M	$41M	$37M	·	$33M	$33M	$33M	·	$33M	$35M
PP&E (Gross)	·	$72M	·	·	·	$71M	·	·	·	·	·	·	·	·	·	·
Accum. Depreciation	·	$32M	·	·	·	$30M	·	·	·	·	·	·	·	·	·	·
Goodwill	$90M	$90M	$90M	$90M	$90M	$90M	$90M	$94M	$80M	$80M	$59M	$59M	$59M	$59M	$59M	$59M
Intangibles	$9M	$9M	$10M	$10M	$11M	$11M	$12M	$12M	$9M	·	$1M	$1M	$2M	·	$2M	$2M
Total Assets	$2.24B	$2.24B	$2.24B	$2.31B	$2.30B	$2.31B	$2.35B	$2.37B	$2.28B	·	$1.98B	$1.95B	$1.92B	·	$1.90B	$1.91B
Short-term Debt	$0	$0	$0	$0	$0	$0	$0	$0	$10M	·	$30M	$112M	$76M	·	$4M	$5M
Total Liabilities	$1.96B	$1.97B	$1.97B	$2.04B	$2.04B	$2.05B	$2.09B	$2.13B	$2.05B	·	$1.78B	$1.75B	$1.72B	·	$1.71B	$1.71B
Long-term Debt	$104M	$104M	$105M	$105M	$105M	$155M	$156M	$162M	$163M	·	$113M	$18M	$19M	·	$25M	$25M
Total Debt	$0	·	$0	$0	$0	·	$0	$0	$10M	·	$30M	$112M	$76M	·	$4M	$5M
Common Stock	$189M	$188M	$188M	$188M	$187M	$187M	$187M	$187M	$174M	·	$145M	$145M	$144M	·	$144M	$144M
Retained Earnings	$153M	$152M	$149M	$146M	$143M	$141M	$138M	$137M	$139M	·	$143M	$141M	$139M	·	$135M	$132M
Treasury Stock	$56M	$56M	$56M	$56M	$56M	$56M	$56M	$56M	$56M	·	$56M	$56M	$55M	·	$52M	$51M
AOCI	$-10M	$-10M	$-11M	$-14M	$-16M	$-19M	$-16M	$-23M	$-23M	$-22M	$-31M	$-28M	$-25M	$-30M	$-32M	$-22M
Stockholders' Equity	$276M	$274M	$270M	$263M	$259M	$253M	$253M	$245M	$234M	$235M	$201M	$202M	$204M	$201M	$195M	$203M
Liabilities + Equity	$2.24B	$2.24B	$2.24B	$2.31B	$2.30B	$2.31B	$2.35B	$2.37B	$2.28B	·	$1.98B	$1.95B	$1.92B	·	$1.90B	$1.91B
Shares Outstanding	14,245,849	14,193,577	14,186,204	14,175,241	14,166,915	14,118,040	14,110,210	14,151,755	13,224,276	·	11,123,382	11,116,080	11,202,063	·	11,293,639	11,374,515

Cash Flow 18

Quarterly Cash Flow data for LCNB
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
D&A	$219.0K	$146.0K	$2M	$-2M	$503.0K	$-151.0K	$369.0K	$-95.0K	$481.0K	$594.0K	$852.0K	$823.0K	$720.0K	$567.0K	$677.0K	$728.0K
Deferred Tax	$300.0K	$636.0K	$925.0K	$715.0K	$506.0K	$3M	$-1M	$0	$44.0K	$470.0K	$-83.0K	$-62.0K	$-648.0K	$99.0K	$-468.0K	$-69.0K
Amort. of Intangibles	$225.0K	$230.0K	$247.0K	$301.0K	$297.0K	$304.0K	$304.0K	$298.0K	$236.0K	$196.0K	$113.0K	$112.0K	$111.0K	$113.0K	$113.0K	$112.0K
Other Non-cash	$-2M	·	·	·	$-3M	·	·	·	$-15M	·	·	·	$-2M	·	·	·
Operating Cash Flow	$3M	$13M	$14M	$5M	$2M	$38M	$13M	$55M	$-12M	$11M	$5M	$5M	$2M	$10M	$7M	$7M
CapEx	$335.0K	$345.0K	$309.0K	$235.0K	$70.0K	$375.0K	$1M	$1M	$858.0K	$883.0K	$613.0K	$522.0K	$588.0K	$331.0K	$270.0K	$224.0K
Investing Cash Flow	$9M	$-15M	$46M	$12M	$10M	$231.0K	$27M	$21M	$12M	$-15M	$-18M	$-35M	$7M	$-24M	$-3M	$-10M
Debt Issued	·	$0	$363.0K	$0	$0	$0	$0	$0	$50M	·	·	·	·	·	·	·
Net Debt Issued	$-295.0K	·	·	·	$-51M	·	·	·	·	·	·	·	·	·	·	·
Stock Issued	$142.0K	$120.0K	$174.0K	$183.0K	$148.0K	$134.0K	$131.0K	$130.0K	$130.0K	$113.0K	$111.0K	$101.0K	$103.0K	$100.0K	$107.0K	$96.0K
Stock Repurchased	·	·	·	·	·	·	$0	$0	$0	·	$0	$1M	$2M	·	$1M	$514.0K
Net Stock Activity	$142.0K	·	·	·	$148.0K	·	·	·	$130.0K	·	·	·	$-2M	·	·	·
Dividends Paid	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$2M	$2M	$2M	$2M	$2M	$2M
Financing Cash Flow	$-5M	$-12M	$-74M	$-5M	$-10M	$-42M	$-36M	$-74M	$-7M	$87.0K	$30M	$24M	$-622.0K	$7M	$-6M	$15M
Net Change in Cash	$8M	$-14M	$-14M	$12M	$2M	$-4M	$5M	$2M	$-7M	·	·	·	·	·	·	·
Taxes Paid	·	·	·	·	·	$0	$0	·	·	$509.0K	$825.0K	$1M	$0	$1M	$2M	$2M
Free Cash Flow	$3M	·	·	·	$2M	·	·	·	$-13M	·	·	·	$2M	·	·	·
Levered FCF	·	·	·	·	·	·	·	·	$-23M	·	·	·	$-1M	·	·	·

Profitability 5

Quarterly Profitability data for LCNB
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Net Margin	18.9%	·	29.1%	26.0%	21.4%	·	21.2%	4.8%	10.7%	·	23.7%	26.3%	23.7%	·	29.3%	30.0%
Pretax Margin	22.6%	·	35.6%	31.6%	25.6%	·	24.9%	4.9%	12.5%	·	29.3%	32.1%	28.8%	·	35.9%	36.6%
EBITDA Margin	0.93%	·	·	·	2.3%	·	·	·	2.7%	·	·	·	4.1%	·	·	·
ROA	0.20%	·	0.30%	0.25%	0.20%	·	0.21%	0.04%	0.09%	·	0.21%	0.24%	0.22%	·	0.29%	0.30%
ROE	1.7%	·	2.6%	2.3%	1.9%	·	2.0%	0.41%	0.87%	·	2.1%	2.3%	2.0%	·	2.6%	2.5%

Liquidity & Solvency 1

Quarterly Liquidity & Solvency data for LCNB
Metric	Trend	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Debt / Equity		0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.1	0.6	0.4	·	0.0	0.0

Efficiency 1

Quarterly Efficiency data for LCNB
Metric	Trend	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Asset Turnover		0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0

Per Share 6

Quarterly Per Share data for LCNB
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Book Value / Share	$19.36	·	$19.02	$18.59	$18.26	·	$17.95	$17.33	$17.67	·	$18.10	$18.20	$18.22	·	$17.31	$17.84
Revenue / Share	$1.67	·	$1.69	$1.62	$1.53	·	$1.52	$1.38	$1.36	·	$1.55	$1.61	$1.57	·	$1.69	$1.65
Cash Flow / Share	$0.22	·	·	·	$0.16	·	·	·	$-0.95	·	·	·	$0.22	·	·	·
Cash / Share	$2.05	·	$2.53	$3.51	$2.66	·	$2.79	$2.46	$2.49	·	$3.90	$2.34	$2.85	·	$2.61	$2.80
Dividend / Share	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
EPS (TTM)	$1.54	·	$1.54	$1.12	$0.86	·	$0.90	$1.01	$1.31	·	$1.65	$1.77	$1.73	·	$1.75	$1.67

Valuation (TTM) 12

Quarterly Valuation (TTM) data for LCNB
Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Net Income TTM	$22M	·	$22M	$16M	$12M	·	$11M	$12M	$15M	·	$18M	$20M	$20M	·	$21M	$20M
Market Cap	$222M	·	$213M	$206M	$210M	·	$213M	$197M	$211M	·	$159M	$164M	$183M	·	$179M	$170M
Enterprise Value	$193M	·	$177M	$156M	$172M	·	$173M	$162M	$188M	·	$145M	$250M	$228M	·	$154M	$143M
P/E	10.1	·	9.7	13.0	17.2	·	16.7	13.8	12.2	·	8.6	8.3	9.4	·	9.1	9.0
P/B	0.8	·	0.8	0.8	0.8	·	0.8	0.8	0.9	·	0.8	0.8	0.9	·	0.9	0.8
P / Tangible Book	1.3	·	1.3	1.3	1.3	·	1.4	1.4	1.5	·	1.1	1.2	1.3	·	1.3	1.2
P / Cash Flow	71.6	·	·	·	94.7	·	·	·	-16.9	·	·	·	73.5	·	·	·
P / FCF	80.3	·	·	·	97.8	·	·	·	-15.8	·	·	·	96.1	·	·	·
EV / EBITDA	880.9	·	·	·	341.7	·	·	·	390.5	·	·	·	316.2	·	·	·
EV / FCF	69.7	·	·	·	80.2	·	·	·	-14.1	·	·	·	119.6	·	·	·
Earnings Yield	9.9%	·	10.3%	7.7%	5.8%	·	6.0%	7.3%	8.2%	·	11.6%	12.0%	10.6%	·	11.0%	11.2%
Payout Ratio	70.5%	·	·	·	67.0%	·	·	·	150.5%	·	·	·	57.0%	·	·	·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Net Income	$23M	$13M	$13M	$22M	$21M
Diluted EPS	$1.63	$0.97	$1.10	$1.93	$1.66

Balance Sheet

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Debt / Equity	0.0	0.0	0.4	0.4	—

Cash Flow

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Free Cash Flow	$33M	$89M	$18M	$24M	$16M

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