LCNB LCNB Corporation - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 5, 2026
$18.94
· of 52w range
· above low
· to high
$14.3152w low
$21.3252w high
Market Cap (MRQ)
$270M
P/E
11.6
EPS
$1.63
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52W Range
$14–$21
Analyst Rating
HOLD
Price Target
$21
P/E
11.6
ROE
8.6%
Net Profit Margin
25.1%
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LCNB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$18.94
Market Cap (MRQ)
$270M
P/E
11.6
EPS
$1.63
Div Yield
4.6%
ROE
8.6%
Debt/Equity (MRQ)
0.0
52W Range
$14–$21
LCNB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| May 11, 2007 | 2-for-1 | Forward |
| May 3, 2004 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$1.632016-12-31 → 2025-12-31
Free Cash Flow$33M2016-12-31 → 2025-12-31
Net margin25.1%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | LCNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.65Y avg ≈12.2 | ≈12.2 | 12.0 | Undervalued | |
| P/B (MRQ) | 1.05Y avg ≈0.9 | ≈0.9 | 1.2 | Undervalued | |
| EV / EBITDA | 370.15Y avg ≈197.7 | ≈197.7 | · | · | |
| Price / FCF (TTM) | 7.45Y avg ≈8.9 | ≈8.9 | · | · | |
| Price / Cash Flow (TTM) | 7.05Y avg ≈8.1 | ≈8.1 | 10.8 | Undervalued | |
| EV / FCF | 7.45Y avg ≈8.3 | ≈8.3 | · | · | |
| Price / Tangible Book (MRQ) | 1.05Y avg ≈1.4 | ≈1.4 | · | · | |
| PEG Ratio | ≈11.5 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | LCNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 0.73%5Y avg ≈2.4% | ≈2.4% | 4.5% | Weak | |
| Pretax Margin | 30.6%5Y avg ≈28.4% | ≈28.4% | 34.5% | In line | |
| Net Profit Margin | 25.1%5Y avg ≈23.5% | ≈23.5% | 29.5% | In line | |
| ROA | 1.0%5Y avg ≈0.90% | ≈0.90% | 0.87% | Top tier | |
| ROE | 8.6%5Y avg ≈7.9% | ≈7.9% | 8.6% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | LCNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.05Y avg ≈0.2 | ≈0.2 | 0.0 | Low debt |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | LCNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 13.3%5Y avg ≈5.3% | ≈5.3% | · | · | |
| Revenue CAGR 3Y | 6.9%5Y avg ≈3.4% | ≈3.4% | · | · | |
| Revenue CAGR 5Y | 5.0% | · | · | · | |
| EPS YoY | 68.0%5Y avg ≈7.3% | ≈7.3% | · | · | |
| Net Income YoY | 71.4%5Y avg ≈9.0% | ≈9.0% | · | · | |
| EPS CAGR 3Y | -5.5%5Y avg ≈-10.9% | ≈-10.9% | · | · | |
| EPS CAGR 5Y | 1.0% | · | · | · | |
| Net Income CAGR 3Y | 1.5%5Y avg ≈-8.8% | ≈-8.8% | · | · | |
| Net Income CAGR 5Y | 2.9% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | LCNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield4.6%
Payout Ratio53.9%
Annualized Payout≈$0.88
5Y Div CAGR≈4.1%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 1, 2026 | $0.22 | USD | ≈4.7% |
| Jun 1, 2026 | $0.22 | USD | ≈5.3% |
| Mar 2, 2026 | $0.22 | USD | ≈5.1% |
| Dec 1, 2025 | $0.22 | USD | ≈5.5% |
| Sep 2, 2025 | $0.22 | USD | ≈5.7% |
| Jun 2, 2025 | $0.22 | USD | ≈6.2% |
| Mar 3, 2025 | $0.22 | USD | ≈5.8% |
| Dec 2, 2024 | $0.22 | USD | ≈5.1% |
| Sep 3, 2024 | $0.22 | USD | ≈5.9% |
| Jun 3, 2024 | $0.22 | USD | ≈6.2% |
| Feb 29, 2024 | $0.22 | USD | ≈6.1% |
| Nov 30, 2023 | $0.22 | USD | ≈5.8% |
| Aug 31, 2023 | $0.21 | USD | ≈5.6% |
| May 31, 2023 | $0.21 | USD | ≈6.1% |
| Feb 28, 2023 | $0.21 | USD | ≈4.5% |
| Nov 30, 2022 | $0.21 | USD | ≈4.4% |
| Aug 31, 2022 | $0.20 | USD | ≈5.0% |
| May 31, 2022 | $0.20 | USD | ≈5.0% |
| Feb 28, 2022 | $0.20 | USD | ≈4.3% |
| Nov 30, 2021 | $0.20 | USD | ≈4.0% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.80%
Next Report
Oct 20, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 20, 2026 | $0.53 | $0.44 | 19.5% |
| March 31, 2026 | $0.31 | $0.36 | -13.2% | |
| Dec. 31, 2025 | $0.40 | $0.46 | -12.9% | |
| Sept. 30, 2025 | $0.49 | $0.43 | 13.0% | |
| June 30, 2025 | $0.41 | $0.38 | 7.2% | |
| March 31, 2025 | $0.33 | $0.36 | -8.9% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 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
| Metric | Trend | 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
| Metric | Trend | 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
| Metric | Trend | 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
| 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
| 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
| Metric | Trend | 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 | $0.88 | $0.88 | $0.85 | $0.81 | $0.77 | $0.73 | $0.69 | $0.65 | $0.64 | $0.64 | $0.64 | $0.64 | |
| 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
| Metric | Trend | 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% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 5.7% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 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
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $12M | $11M | · | $6M | $5M | $4M | · | $1M | |
| Interest Income | $26M | $25M | $25M | $26M | $26M | $25M | $27M | $26M | $27M | $25M | $23M | $20M | $19M | $18M | $18M | $17M | |
| Pretax Income | $9M | $5M | $7M | $8M | $7M | $6M | $7M | $5M | $944.0K | $2M | $-529.0K | $5M | $6M | $5M | $8M | $7M | |
| Income Tax | $2M | $877.0K | $1M | $2M | $1M | $906.0K | $1M | $798.0K | $19.0K | $312.0K | $-236.0K | $949.0K | $1M | $898.0K | $1M | $1M | |
| Net Income | $7M | $4M | $6M | $7M | $6M | $5M | $6M | $5M | $925.0K | $2M | $-293.0K | $4M | $5M | $4M | $6M | $6M | |
| EPS (Basic) | $0.53 | $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 | |
| EPS (Diluted) | $0.53 | $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 | |
| Shares (Basic) | 14,157,834 | 14,125,191 | · | 14,097,414 | 14,085,764 | 14,051,310 | · | 14,018,765 | 13,948,671 | 13,112,302 | · | 11,038,720 | 11,056,308 | 11,189,170 | · | 11,284,225 | |
| Shares (Diluted) | 14,157,834 | 14,125,191 | · | 14,097,414 | 14,085,764 | 14,051,310 | · | 14,018,765 | 13,948,671 | 13,112,302 | · | 11,038,720 | 11,056,308 | 11,189,170 | · | 11,284,225 | |
| EBITDA | · | $219.0K | · | · | · | $503.0K | · | · | · | $481.0K | · | · | · | $720.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $25M | $29M | $22M | $36M | $50M | $38M | $36M | $39M | $35M | $33M | · | $43M | $26M | $32M | · | $29M | |
| PP&E (Net) | $40M | $39M | $39M | $39M | $40M | $40M | $41M | $41M | $41M | $37M | · | $33M | $33M | $33M | · | $33M | |
| PP&E (Gross) | · | · | $72M | · | · | · | $71M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $32M | · | · | · | $30M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $90M | $90M | $90M | $90M | $90M | $90M | $90M | $90M | $94M | $80M | $80M | $59M | $59M | $59M | $59M | $59M | |
| Intangibles | $8M | $9M | $9M | $10M | $10M | $11M | $11M | $12M | $12M | $9M | · | $1M | $1M | $2M | · | $2M | |
| Total Assets | $2.22B | $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 | |
| Short-term Debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $10M | · | $30M | $112M | $76M | · | $4M | |
| Total Liabilities | $1.94B | $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 | |
| Long-term Debt | $104M | $104M | $104M | $105M | $105M | $105M | $155M | $156M | $162M | $163M | · | $113M | $18M | $19M | · | $25M | |
| Total Debt | $0 | $0 | · | $0 | $0 | $0 | · | $0 | $0 | $10M | · | $30M | $112M | $76M | · | $4M | |
| Common Stock | $189M | $189M | $188M | $188M | $188M | $187M | $187M | $187M | $187M | $174M | · | $145M | $145M | $144M | · | $144M | |
| Retained Earnings | $158M | $153M | $152M | $149M | $146M | $143M | $141M | $138M | $137M | $139M | · | $143M | $141M | $139M | · | $135M | |
| Treasury Stock | $56M | $56M | $56M | $56M | $56M | $56M | $56M | $56M | $56M | $56M | · | $56M | $56M | $55M | · | $52M | |
| AOCI | $-10M | $-10M | $-10M | $-11M | $-14M | $-16M | $-19M | $-16M | $-23M | $-23M | $-22M | $-31M | $-28M | $-25M | $-30M | $-32M | |
| Stockholders' Equity | $281M | $276M | $274M | $270M | $263M | $259M | $253M | $253M | $245M | $234M | $235M | $201M | $202M | $204M | $201M | $195M | |
| Liabilities + Equity | $2.22B | $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 | |
| Shares Outstanding | 14,254,091 | 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 |
Cash Flow
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $762.0K | $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 | |
| Deferred Tax | $877.0K | $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 | |
| Amort. of Intangibles | $228.0K | $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 | |
| Other Non-cash | · | $-2M | · | · | · | $-3M | · | · | · | $-15M | · | · | · | $-2M | · | · | |
| Operating Cash Flow | $9M | $3M | $13M | $14M | $5M | $2M | $38M | $13M | $55M | $-12M | $11M | $5M | $5M | $2M | $10M | $7M | |
| CapEx | $1M | $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 | |
| Investing Cash Flow | $10M | $9M | $-15M | $46M | $12M | $10M | $231.0K | $27M | $21M | $12M | $-15M | $-18M | $-35M | $7M | $-24M | $-3M | |
| Debt Issued | · | · | $0 | $363.0K | $0 | $0 | $0 | $0 | $0 | $50M | · | · | · | · | · | · | |
| Net Debt Issued | · | $-295.0K | · | · | · | $-51M | · | · | · | · | · | · | · | · | · | · | |
| Stock Issued | $138.0K | $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 | |
| Stock Repurchased | · | · | · | · | · | · | · | $0 | $0 | $0 | · | $0 | $1M | $2M | · | $1M | |
| Net Stock Activity | · | $142.0K | · | · | · | $148.0K | · | · | · | $130.0K | · | · | · | $-2M | · | · | |
| Dividends Paid | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $-23M | $-5M | $-12M | $-74M | $-5M | $-10M | $-42M | $-36M | $-74M | $-7M | $87.0K | $30M | $24M | $-622.0K | $7M | $-6M | |
| Net Change in Cash | $-4M | $8M | $-14M | $-14M | $12M | $2M | $-4M | $5M | $2M | $-7M | · | · | · | · | · | · | |
| Taxes Paid | · | · | · | · | · | · | $0 | $0 | · | · | $509.0K | $825.0K | $1M | $0 | $1M | $2M | |
| Free Cash Flow | · | $3M | · | · | · | $2M | · | · | · | $-13M | · | · | · | $2M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-23M | · | · | · | $-1M | · | · |
Profitability
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.8% | 18.9% | · | 29.1% | 26.0% | 21.4% | · | 21.2% | 4.8% | 10.7% | · | 23.7% | 26.3% | 23.7% | · | 29.3% | |
| Pretax Margin | 36.6% | 22.6% | · | 35.6% | 31.6% | 25.6% | · | 24.9% | 4.9% | 12.5% | · | 29.3% | 32.1% | 28.8% | · | 35.9% | |
| EBITDA Margin | · | 0.93% | · | · | · | 2.3% | · | · | · | 2.7% | · | · | · | 4.1% | · | · | |
| ROA | 0.33% | 0.20% | · | 0.30% | 0.25% | 0.20% | · | 0.21% | 0.04% | 0.09% | · | 0.21% | 0.24% | 0.22% | · | 0.29% | |
| ROE | 2.8% | 1.7% | · | 2.6% | 2.3% | 1.9% | · | 2.0% | 0.41% | 0.87% | · | 2.1% | 2.3% | 2.0% | · | 2.6% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.1 | 0.6 | 0.4 | · | 0.0 |
Efficiency
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.69 | $19.36 | · | $19.02 | $18.59 | $18.26 | · | $17.95 | $17.33 | $17.67 | · | $18.10 | $18.20 | $18.22 | · | $17.31 | |
| Revenue / Share | $1.78 | $1.67 | · | $1.69 | $1.62 | $1.53 | · | $1.52 | $1.38 | $1.36 | · | $1.55 | $1.61 | $1.57 | · | $1.69 | |
| Cash Flow / Share | · | $0.22 | · | · | · | $0.16 | · | · | · | $-0.95 | · | · | · | $0.22 | · | · | |
| Cash / Share | $1.74 | $2.05 | · | $2.53 | $3.51 | $2.66 | · | $2.79 | $2.46 | $2.49 | · | $3.90 | $2.34 | $2.85 | · | $2.61 | |
| Dividend / Share | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 | $0.22 | $0.21 | $0.21 | $0.21 | $0.21 | $0.20 | |
| EPS (TTM) | $1.73 | $1.61 | · | $1.67 | $1.49 | $1.15 | · | $0.47 | $0.53 | $0.88 | · | $1.73 | $1.85 | $1.92 | · | $1.81 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $25M | $23M | · | $24M | $21M | $16M | · | $7M | $7M | $10M | · | $19M | $21M | $22M | · | $21M | |
| Market Cap | $251M | $222M | · | $213M | $206M | $210M | · | $213M | $197M | $211M | · | $159M | $164M | $183M | · | $179M | |
| Enterprise Value | $226M | $193M | · | $177M | $156M | $172M | · | $173M | $162M | $188M | · | $145M | $250M | $228M | · | $154M | |
| P/E | 10.2 | 9.7 | · | 9.0 | 9.8 | 12.9 | · | 32.1 | 26.2 | 18.1 | · | 8.2 | 8.0 | 8.5 | · | 8.8 | |
| P/B | 0.9 | 0.8 | · | 0.8 | 0.8 | 0.8 | · | 0.8 | 0.8 | 0.9 | · | 0.8 | 0.8 | 0.9 | · | 0.9 | |
| P / Tangible Book | 1.4 | 1.3 | · | 1.3 | 1.3 | 1.3 | · | 1.4 | 1.4 | 1.5 | · | 1.1 | 1.2 | 1.3 | · | 1.3 | |
| P / Cash Flow | · | 71.6 | · | · | · | 94.7 | · | · | · | -16.9 | · | · | · | 73.5 | · | · | |
| Dividend Yield | 5.0% | 5.6% | · | 5.9% | 6.0% | 5.9% | · | 5.6% | 5.7% | 5.0% | · | 5.9% | 5.7% | 5.1% | · | 5.3% | |
| Earnings Yield | 9.8% | 10.3% | · | 11.1% | 10.2% | 7.8% | · | 3.1% | 3.8% | 5.5% | · | 12.1% | 12.5% | 11.8% | · | 11.4% | |
| Payout Ratio | · | 70.5% | · | · | · | 67.0% | · | · | · | 150.5% | · | · | · | 57.0% | · | · | |
| Annual Payout | $13M | $13M | · | $13M | $12M | $12M | · | $12M | $11M | $10M | · | $9M | $9M | $9M | · | $10M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 |
| Metric | 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 | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $33M | $89M | $18M | $24M | $16M |
Institutional owners (13F) 112 filers · $138.7M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
112
Value held
$138.7M
New positions
7
Exited positions
6
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 7 (-8 vs prior Q) | 6 (0 vs prior Q) | 50 (+6 vs prior Q) | 25 (+1 vs prior Q) | +1.4M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Bluespring Wealth Management, LLC | $19,135,352 | 1,087,854 | 13.80% | Shares |
| BlackRock, Inc. | $16,885,116 | 959,927 | 12.17% | Shares |
| VANGUARD GROUP INC | $11,559,293 | 705,265 | 8.33% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $9,657,139 | 549,013 | 6.96% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $9,645,742 | 548,355 | 6.95% | Shares |
| Ritter Daniher Financial Advisory LLC / DE | $9,567,676 | 543,927 | 6.90% | Shares |
| LCNB CORP | $8,899,890 | 505,963 | 6.42% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $6,340,118 | 360,333 | 4.57% | Shares |
| STATE STREET CORP | $3,220,747 | 183,101 | 2.32% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $2,688,033 | 152,816 | 1.94% | Shares |
| JOHNSON INVESTMENT COUNSEL INC | $2,384,524 | 135,561 | 1.72% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,197,519 | 124,930 | 1.58% | Shares |
| NORTHERN TRUST CORP | $1,924,962 | 109,435 | 1.39% | Shares |
| GOLDMAN SACHS GROUP INC | $1,742,764 | 99,077 | 1.26% | Shares |
| AMERICAN FINANCIAL GROUP INC | $1,646,108 | 93,582 | 1.19% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,632,264 | 92,795 | 1.18% | Shares |
| Kapstone Financial Advisors LLC | $1,506,883 | 85,667 | 1.09% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,504,174 | 85,513 | 1.08% | Shares |
| Empowered Funds, LLC | $1,430,595 | 81,330 | 1.03% | Shares |
| Cetera Investment Advisers | $1,407,939 | 80,042 | 1.02% | Shares |
| RAYMOND JAMES FINANCIAL INC | $1,279,656 | 72,749 | 0.92% | Shares |
| MORGAN STANLEY | $1,234,454 | 70,179 | 0.89% | Shares |
| Horan Securities, Inc. | $1,088,278 | 74,899 | 0.78% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,084,951 | 61,680 | 0.78% | Shares |
| HORAN Wealth, LLC | $1,072,355 | 60,964 | 0.77% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,059,845 | 60,253 | 0.76% | Shares |
| Bank of New York Mellon Corp | $1,007,912 | 57,300 | 0.73% | Shares |
| LPL Financial LLC | $903,928 | 51,389 | 0.65% | Shares |
| HSBC HOLDINGS PLC | $848,650 | 48,522 | 0.61% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $763,388 | 43,399 | 0.55% | Shares |
| Mariner, LLC | $750,359 | 42,658 | 0.54% | Shares |
| BARTLETT & CO. WEALTH MANAGEMENT LLC | $663,730 | 37,733 | 0.48% | Shares |
| BARCLAYS PLC | $636,688 | 36,196 | 0.46% | Shares |
| HENGEHOLD CAPITAL MANAGEMENT LLC | $598,533 | 34,027 | 0.43% | Shares |
| BANK OF AMERICA CORP /DE/ | $589,001 | 33,485 | 0.42% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $551,550 | 31,356 | 0.40% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $489,776 | 27,844 | 0.35% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $477,463 | 27,144 | 0.34% | Shares |
| CITADEL ADVISORS LLC | $425,133 | 24,169 | 0.31% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $411,413 | 23,389 | 0.30% | Shares |
| STRS OHIO | $381,703 | 21,700 | 0.28% | Shares |
| Cornerstone Advisory, LLC | $369,408 | 21,001 | 0.27% | Shares |
| Squarepoint Ops LLC | $364,394 | 20,716 | 0.26% | Shares |
| Nuveen, LLC | $350,058 | 19,901 | 0.25% | Shares |
| RHUMBLINE ADVISERS | $310,526 | 17,654 | 0.22% | Shares |
| New Republic Capital, LLC | $307,632 | 17,489 | 0.22% | Shares |
| Souders Financial Advisors | $306,191 | 17,407 | 0.22% | Shares |
| Shoker Investment Counsel, Inc. | $305,953 | 17,393 | 0.22% | Shares |
| Kestra Advisory Services, LLC | $294,339 | 16,733 | 0.21% | Shares |
| FMR LLC | $278,583 | 15,838 | 0.20% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| John C. Lame and Susan K. Lame Irrevocable Trust u/a dated May 18, 2018, John C. Lame IRA, John C. Lame Roth Contributory IRA, Susan K. Lame Roth Contributory IRA, Susan K. Lame IRA ×5 filings | Feb. 11, 2022 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 34 insiders · 15 officers · 20 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Eric J Meilstrup | CEO | Aug. 27, 2026 P | 53,878 | 4 | 0 | $30,882 |
| Andrew Michael Wallace | Chief Financial Officer | Feb. 23, 2026 A | 4,689 | 0 | 0 | $0 |
| Robert C Haines II | President | Aug. 17, 2026 P | 26,728 | 2 | 0 | $17,765 |
| BECKETT DAVID S | President, Dakin Insurance | Feb. 8, 2010 P | 300 | 0 | 0 | $0 |
| Jeffrey D Meeker | Chief Lending Officer | Feb. 23, 2026 A | 9,545 | 0 | 0 | $0 |
| Lawrence P Mulligan Jr. | Executive Vice President | Feb. 23, 2026 A | 31,568 | 0 | 0 | $0 |
| Bradley Austin Ruppert | Chief Investment Officer | Feb. 23, 2026 A | 19,608 | 0 | 0 | $0 |
| Michael Robert Miller | Executive Vice President | Feb. 23, 2026 A | 19,474 | 0 | 1 | $-48,972 |
| Patricia L. Walter | Chief Risk Officer | Feb. 23, 2026 A | 4,455 | 0 | 0 | $0 |
| Matthew Palmer Layer | Executive Vice President | March 4, 2024 A | 26,140 | 0 | 0 | $0 |
| John F Smiley | Executive Vice President | April 24, 2020 S | 0 | 0 | 0 | $0 |
| Leroy F Mckay | Executive Vice President | Feb. 28, 2017 S | 8,325 | 0 | 0 | $0 |
| WRIGHT BERNARD H JR | Sr Executive Vice President | May 30, 2013 M | 49,580 | 0 | 0 | $0 |
| D J Benjamin Jackson | Sr. Exec. Vice President | Feb. 2, 2011 A | 1,000 | 0 | 0 | $0 |
| John S Calhoun | Exec. Vice President | Jan. 26, 2009 A | 11,000 | 0 | 0 | $0 |
| Takeitha W Lawson | Director | Feb. 23, 2026 A | 4,818 | 0 | 0 | $0 |
| Craig Millis Johnson | Director | Feb. 23, 2026 A | 6,622 | 0 | 0 | $0 |
| Mary E Bradford | Director | Feb. 23, 2026 A | 9,622 | 0 | 0 | $0 |
| Michael J Johrendt | Director | Feb. 23, 2026 A | 154,623 | 0 | 0 | $0 |
| William G Huddle | Director | Feb. 23, 2026 A | 147,422 | 0 | 1 | $-46,530 |
| Anne E Krehbiel | Director | Feb. 23, 2026 A | 12,122 | 0 | 0 | $0 |
| Spencer S Cropper | Director | Feb. 23, 2026 A | 22,961 | 0 | 0 | $0 |
| KAUFMAN WILLIAM H | Director | Feb. 23, 2026 A | 39,442 | 0 | 0 | $0 |
| FOSTER STEVE P | Director | Feb. 23, 2026 A | 47,187 | 0 | 0 | $0 |
| WILSON STEPHEN P | Director | Feb. 23, 2026 A | 67,415 | 0 | 0 | $0 |
| Robert A. Bedinghaus | Director | Feb. 24, 2025 A | 29,525 | 0 | 0 | $0 |
| John H Kochensparger III | Director | Feb. 16, 2021 A | 148,038 | 0 | 0 | $0 |
| STOLLE KATHLEEN PORTER | Director | July 28, 2011 S | 21,430 | 0 | 0 | $0 |
| Joseph W Schwarz | Director | April 19, 2010 P | 2,165 | 0 | 0 | $0 |
| LEASURE GEORGE L | Director | Feb. 23, 2009 P | 8,170 | 0 | 0 | $0 |
| Rick L Blossom | Director | Jan. 31, 2006 P | 1,000 | 0 | 0 | $0 |
| YOUNG MARVIN E | Director | Dec. 14, 2005 G | 54,125 | 0 | 0 | $0 |
| MILLER JAMES B | Director | Sept. 3, 2003 G | 370 | 0 | 0 | $0 |
| WILSON HOWARD E | · | July 22, 2004 G | 39,800 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 19 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.06% | 48,136 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 12,064 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 43,927 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 79,565 SH | Aug. 19, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 6,596 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 343,685 SH | Sept. 11, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,122 SH | Oct. 2, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 42,391 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 41,629 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.00% | 2,924 SH | Oct. 2, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 22,599 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,014 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 147,333 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 387,767 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,166 SH | Aug. 19, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 151,383 SH | Sept. 11, 2026 | Daily |
LCNB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
SELL
Median target
$21.25
+12.2%
0 0.0%
Strong Buy
0 0.0%
Buy
4 57.1%
Hold
1 14.3%
Sell
2 28.6%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-03Mean target $21.25 +12.2%
← Below all targets
Current price $18.94
Low$20.50
Mean$21.25
High$22.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| LCNB | $233M | 10.1 | 13.3% | 25.1% | 8.6% | · |
| FXNC | $228M | 12.9 | 0.76% | 123.9% | 9.8% | · |
| NKSH | $214M | 13.5 | 9.8% | 193.6% | 8.9% | · |
| FBLA | $232M | 183.6 | -3.8% | 2.4% | 0.39% | · |
| HWBK | $241M | 10.2 | 10.0% | 29.7% | 14.4% | · |
| WNEB | $257M | 16.8 | · | 18.5% | 6.3% | · |
| GBFH | $488M | 23.5 | · | 1.7% | 13.2% | · |
| RMBI | $147M | 12.0 | 12.5% | 23.7% | 8.3% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 5, 2026