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LCNBLCNB Corp.
$17.73$253M
Overview & Verdict
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LCNB logoLCNB Corp.(LCNB)Earnings, Financials & Key Ratios

LCNB•NASDAQ•Banking & Credit
$17.73
10.9× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutLCNB 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.Show more
  • Net Interest Income$70M+15.9%
  • Total Revenue$124M-0.9%
  • Net Income$23M+71.4%
  • Return on Equity8.77%+58.8%
  • Net Interest Margin3.13%+19.3%
  • Efficiency Ratio49.6%-1.7%
  • ROA1.02%+73.3%
  • Equity / Assets12.22%+11.5%
  • Book Value per Share19.45+5.8%

LCNB Price & Volume

LCNB Corp. (LCNB) stock price & volume — 10-year historical chart

Loading chart...

Persistent Margin Compression Challenges LCNB Growth Outlook

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Stable
Primary Risk:Margin compression and integration

Key Thesis Takeaways

  • LCNB Corp.
  • faces a complex transition period where the benefits of the Cincinnati Bancorp integration are currently offset by stagnant net interest margins of 0.8% and rising credit provisioning.
  • While the bank maintains a stable equity-to-assets ratio of 0.12, the heavy concentration of 90% of assets in investment securities exposes the firm to significant duration risk.
  • Investors should monitor whether the bank can improve its efficiency ratio, which deteriorated to 52.7% in 2026Q1, before committing to a long-term position.

Verdict Logic

while the dividend yield of 4.8% is attractive, the bank's return on equity has compressed to 1.6% in 2026Q1, suggesting limited near-term upside until operational efficiency improves.

LCNB Growth Metrics

LCNB Corp. (LCNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years9.08%
5 Years9.62%
3 Years15.78%
TTM-

Profit CAGR

10 Years7.26%
5 Years2.86%
3 Years1.47%
TTM41.82%

EPS CAGR

10 Years3.37%
5 Years1.01%
3 Years-5.48%
TTM41.42%

Return on Capital

10 Years8.52%
5 Years6.53%
3 Years3.89%
Last Year2.55%

LCNB Recent Earnings

LCNB Corp. (LCNB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$0.31-11.4%
$0.35
Rev
$24M+1.0%
$23M
Q2 2026
Mar 11, 2026
Metric
Actual
Est
EPS
$0.40
—
Rev
$31M
—
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$0.40-9.1%
$0.44
Rev
$24M+2.0%
$23M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$0.49+15.3%
$0.42
Rev
$24M+33.1%
$18M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.31vs $0.35-11.4%
$24Mvs $23M+1.0%
Q2 2026Mar 11, 2026
$0.40
$31M
Q1 2026Jan 29, 2026
$0.40vs $0.44-9.1%
$24Mvs $23M+2.0%
Q4 2025Oct 22, 2025
$0.49vs $0.42+15.3%
$24Mvs $18M+33.1%
Based on last 12 quarters of dataView full earnings history →

Latest LCNB News

Recent stock market news and headlines for LCNB Corp. (LCNB)

Business Wire·Jun 17, 2026
A Father's Influence: How an LCNB Banker Helped Shape an NBA Career

LEBANON, Ohio--(BUSINESS WIRE)--This Father's Day, LCNB National Bank, a Lebanon, Ohio-based bank owned by LCNB Corp. (Nasdaq: LCNB), is proud to share a story that reflects the lasting impact of fatherhood, strong community roots, and the power of giving back. At the center of this story is Mark Kennard, an LCNB Regional Sales & Relationship Manager, father, and coach, whose influence helped guide his son, Luke Kennard, from a standout local athlete to a career in the NBA. When reflecting.

Peers Comparison

Key metrics vs top competitors for LCNB Corp. (LCNB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
LCNB logoLCNBLCNB Corp.Current
$17.73$252.58M10.88-0.94%18.61%8.77%4.99%
OVBC logoOVBCOhio Valley Banc Corp.
$41.65$196.21M12.585.93%16.05%9.29%—
FXNC logoFXNCFirst National Corporation
$29.30$264.9M14.9527.11%18.05%11.51%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
MVBF logoMVBFMVB Financial Corp.
$28.62$367.76M13.8918.96%14.29%8.79%—
CHMG logoCHMGChemung Financial Corporation
$74.33$358.26M23.75-6.46%12.83%7.33%—

Compare LCNB vs Peers

LCNB Corp. (LCNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs OVBC

Most directly comparable listed peer for LCNB.

Scale Benchmark

vs FHN

Larger-name benchmark to compare LCNB against a more recognizable public peer.

Peer Set

Compare Top 5

vs OVBC, FXNC, CZWI, MVBF

LCNB SEC Filings & Documents

LCNB Corp. (LCNB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 22, 2026·SEC

Material company update

Feb 2, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 11, 2026·SEC

FY 2025

Mar 12, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 6, 2025·SEC

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LCNB Frequently Asked Questions

LCNB Corp. (LCNB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is LCNB Corp. growing?

LCNB Corp. (LCNB) saw revenue decline by 0.9% over the past year.

Is LCNB profitable?

Yes, LCNB Corp. (LCNB) is profitable, generating $23.0M in net income for fiscal year 2025 (18.6% net margin).

Dividend & Returns
Does LCNB pay dividends?

Yes, LCNB Corp. (LCNB) pays a dividend with a yield of 4.99%. This makes it attractive for income-focused investors.

What is LCNB's return on equity?

LCNB Corp. (LCNB) has a return on equity (ROE) of 8.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is LCNB Corp.'s net interest margin?

LCNB Corp. (LCNB) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

What is LCNB Corp.'s efficiency ratio?

LCNB Corp. (LCNB) has an efficiency ratio of 49.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in LCNB back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

See returns →