LCNB Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $92M+13.3% YoYTTM through 30 Jun 2026
Net Income $24.5M+81.8% YoYTTM through 30 Jun 2026
Free Cash Flow $36.3MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 30.5% |
| Net Margin | 25.1% |
Returns
8.6%ROE
1.0%ROA
6.8%ROIC
Balance Sheet Health
Debt / Equity0.40x
Net Debt$79M
Cash & Equivalents$24.9M
Quality Metrics
Piotroski F-Score4 / 9
FCF Margin39.4%
Earnings-Beat Rate50.0%
Multi-Year Trend
RevenueFY2013: $6.4M
Diluted EPS$1.73TTMFY2025: $1.63
Dividend
$0.44Per share, FY20265.40%Yield-10.6%5-yr growth
Capital Allocation
Capex Intensity2.6%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Community Banking | View detailsFocused on funding optimization, runoff of high-cost CDs, and disciplined underwriting. | ||
| LCNB Wealth Management | View detailsExpected to continue benefiting from organic growth and cross-selling opportunities across Southwest and South-Central Ohio. |
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