Lcnb Corp (LCNB) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Lcnb reported revenue of $92.0M, up 13.3% from $81.2M the year before. Net income was $23.1M (a 25.1% net margin), or $1.63 per diluted share. Net interest income was $70.2M, and the efficiency ratio (noninterest expense / revenue) was 67.3%. Operating activities generated $34.4M of cash, leaving $33.4M of free cash flow. At fiscal year end, Lcnb held $2.24B in total assets against $1.97B in total liabilities, including $21.6M of cash and equivalents.
Open the full interactive Lcnb financials → Quarterly statements, key ratios, valuation history and price charts.
Lcnb Key Stats
| Share Price | $18.64 |
|---|---|
| Market Cap | $263.9M |
| P/E Ratio | 11.4 |
| Revenue YoY Growth | +13.3% |
| 52-Week Range | $13.80 – $20.74 |
| Shares Outstanding | 14.2 million (basic, 2026 Q2) |
Lcnb Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $56.2M | $57.1M | $61.0M | $56.3M | $60.8M | $70.2M |
| Provision for Credit Losses | $2.0M | -$269,000 | $250,000 | $2.1M | $2.0M | $1.9M |
| Noninterest Income | $15.7M | $16.2M | $14.3M | $15.4M | $20.4M | $21.8M |
| Noninterest Expense | $45.8M | $48.0M | $48.1M | $54.4M | $63.3M | $61.9M |
| Revenue | $72.0M | $73.4M | $75.3M | $71.8M | $81.2M | $92.0M |
| Pre-Tax Income | $24.2M | $25.6M | $26.9M | $15.3M | $16.0M | $28.2M |
| Income Tax | $4.1M | $4.6M | $4.8M | $2.6M | $2.5M | $5.0M |
| Net Income | $20.1M | $21.0M | $22.1M | $12.6M | $13.5M | $23.1M |
| Diluted EPS | $1.55 | $1.66 | $1.93 | $1.10 | $0.97 | $1.63 |
Lcnb Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $23.8M | $23.9M | $23.5M | $25.1M |
| Net Income | $6.9M | $5.7M | $4.4M | $7.5M |
| Diluted EPS | $0.49 | $0.40 | $0.31 | $0.53 |
Lcnb Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $31.7M | $18.1M | $22.7M | $39.7M | $35.7M | $21.6M |
| Loans (Net) | $1.29B | $1.36B | $1.40B | $1.71B | $1.71B | $1.69B |
| Total Assets | $1.75B | $1.90B | $1.92B | $2.29B | $2.31B | $2.24B |
| Deposits | $1.46B | $1.63B | $1.60B | $1.82B | $1.88B | $1.84B |
| Total Long-Term Debt | $22.0M | $10.0M | $19.1M | $113.1M | $155.2M | $104.4M |
| Total Liabilities | $1.51B | $1.67B | $1.72B | $2.06B | $2.05B | $1.97B |
| Shareholders' Equity | $240.8M | $238.6M | $200.7M | $235.3M | $253.0M | $273.9M |
Lcnb Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $13.7M | $17.8M | $25.2M | $20.7M | $93.2M | $34.4M |
| Cash From Investing | -$80.1M | -$175.2M | -$44.9M | -$57.8M | $61.4M | $52.1M |
| Cash From Financing | $77.3M | $143.8M | $24.2M | $54.1M | -$158.6M | -$100.6M |
| Free Cash Flow | $10.9M | $15.9M | $24.4M | $18.1M | $89.4M | $33.4M |
Figures from Lcnb's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Lcnb financials page for every line item.
Lcnb Company Profile
| Ticker | LCNB |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Lebanon, Ohio |
| Incorporated in | Ohio |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001074902 |
Frequently Asked Questions
What was Lcnb's revenue in fiscal 2025?
Lcnb (LCNB) reported revenue of $92.0M for fiscal 2025.
What is Lcnb's annual revenue history?
Lcnb's annual revenue by fiscal year: 2020: $72.0M; 2021: $73.4M; 2022: $75.3M; 2023: $71.8M; 2024: $81.2M; 2025: $92.0M.
What was Lcnb's net income in fiscal 2025?
Lcnb reported net income of $23.1M for fiscal 2025.
What was Lcnb's earnings per share (EPS) in fiscal 2025?
Lcnb's diluted EPS was $1.63 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Lcnb generate in fiscal 2025?
Lcnb generated $33.4M of free cash flow in fiscal 2025.
What was Lcnb's revenue last quarter?
In its most recent reported quarter (2026 Q2), Lcnb reported revenue of $25.1M.
How much debt does Lcnb have?
Lcnb reported $104.4M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Lcnb are outstanding?
Lcnb reported a weighted average of 14.2 million basic shares outstanding in 2026 Q2.
What is Lcnb's market cap?
Based on its latest closing price, Lcnb (LCNB) has a market capitalization of about $263.9M.
When does Lcnb's fiscal year end?
Lcnb's fiscal year end, as registered with the SEC, is December 31.
Where is Lcnb headquartered?
Lcnb lists its business address in Lebanon, Ohio in its SEC filings.