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1.88%
Lcnb corp.
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
LCNB 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.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Lcnb corp. (LCNB) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating LCNB's short-term business performance and financial health. For the latest updates on LCNB's earnings releases, visit this page regularly.
According to historical valuation range analysis, Lcnb corp. (LCNB)'s current price-to-earnings (P/E) ratio is 10.22, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Lcnb corp. (LCNB) reported an Operating Profit of 6.96M with an Operating Margin of 22.6% this period, representing a decline of 6.72% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Lcnb corp. (LCNB) announced revenue of 30.79M, with a Year-Over-Year growth rate of 39.62%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Lcnb corp. (LCNB) held Total Cash and Cash Equivalents of 18.35M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Lcnb corp. (LCNB) achieved the “three margins increasing” benchmark, with a gross margin of 72.58%%, operating margin of 22.6%%, and net margin of 18.37%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess LCNB's profit trajectory and future growth potential.
According to the past four quarterly reports, Lcnb corp. (LCNB)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.4. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Lcnb corp. (LCNB)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Lcnb corp. (LCNB) has a Price-To-Earnings (PE) ratio of 10.22 and a Price/Earnings-To-Growth (PEG) ratio of -0.56. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.