LCNBNasdaqNational Commercial BanksFiscal year ends December 31
LCNB CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$18.98+0.10 (+0.53%)
Close on Oct 19, 2026
- Market cap
- $268.72M
- P/E (TTM)
- 11.0
- Dividend yield
- 4.64%
LCNB statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | LCNB | Industry median |
|---|---|---|
| Market Cap | $270.56M | $679.86M |
| Enterprise Value | $245.71M | $408.94M |
| PE Ratio | 10.97 | 12.00 |
| PS Ratio | 2.81 | 3.61 |
| PB Ratio | 0.96 | 1.18 |
| P/TBV Ratio | 1.49 | 1.41 |
| P/FCF Ratio | 7.46 | 10.93 |
| P/OCF Ratio | 7.01 | 10.04 |
Enterprise value
| Measure | LCNB | Industry median |
|---|---|---|
| EV / Sales | 2.55 | 2.78 |
| EV / FCF | 6.78 | 8.25 |
Income (trailing twelve months)
| Measure | LCNB | Industry median |
|---|---|---|
| Revenue | $96.37M | $170.85M |
| Pretax Income | $29.95M | $70.12M |
| Net Income | $24.53M | $54.33M |
| EPS (Diluted) | $1.73 | $2.90 |
Margins
| Measure | LCNB | Industry median |
|---|---|---|
| Pretax Margin | 31.1% | 36.4% |
| Profit Margin | 25.5% | 29.1% |
| FCF Margin | 37.6% | 33.0% |
Returns
| Measure | LCNB | Industry median |
|---|---|---|
| Return on Equity (ROE) | 9.02% | 10.5% |
| Return on Assets (ROA) | 1.08% | 1.12% |
Growth
| Measure | LCNB | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 9.03% | 11.8% |
| Net Income Growth (YoY) | 15.8% | 23.1% |
| EPS Growth (YoY) | 16.9% | 22.7% |
| FCF Growth (YoY) | -35.1% | 27.1% |
| Revenue Growth (3Y CAGR) | 6.89% | 5.82% |
| Revenue Growth (5Y CAGR) | 5.04% | 6.17% |
| EPS Growth (3Y CAGR) | -5.48% | 1.26% |
| EPS Growth (5Y CAGR) | 1.01% | 8.24% |
Balance sheet
| Measure | LCNB | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $24.86M | $205.54M |
| Total Debt | $0 | $177.19M |
| Net Cash (Debt) | $24.86M | $164.40M |
| Net Cash Per Share | $1.74 | $8.13 |
| Equity (Book Value) | $280.62M | $560.44M |
| Book Value Per Share | $19.69 | $28.47 |
| Tangible Book Value | $181.81M | $472.29M |
Financial position
| Measure | LCNB | Industry median |
|---|---|---|
| Debt / Equity | 0.00 | 0.20 |
| Debt / FCF | 0.00 | 1.81 |
Cash flow (trailing twelve months)
| Measure | LCNB | Industry median |
|---|---|---|
| Operating Cash Flow | $38.61M | $61.20M |
| Capital Expenditures | -$2.35M | -$4.02M |
| Free Cash Flow | $36.26M | $52.43M |
| FCF Per Share | $2.54 | $3.07 |
Efficiency
| Measure | LCNB | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $265.49K | $353.78K |
| Profits Per Employee | $67.58K | $107.28K |
| Employee Count | 363 | 489 |
Dividends and yields
| Measure | LCNB | Industry median |
|---|---|---|
| Earnings Yield | 9.07% | 8.07% |
| FCF Yield | 13.4% | 8.89% |
| Dividend Yield | 4.64% | 2.48% |
| Buyback Yield | -0.21% | 1.55% |
| Shareholder Yield | 4.42% | 3.13% |
| Dividend Per Share | $0.88 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 51.1% | 29.4% |
| FCF Payout Ratio | 34.6% | 26.0% |
Shares
| Measure | LCNB | Industry median |
|---|---|---|
| Shares Outstanding | 14,255,000 | 18,839,100 |
| Shares Change (YoY) | 0.54% | 0.39% |
| Shares Change (QoQ) | 0.06% | 0.00% |
| Float | 13,259,500 | 17,061,900 |
| Shares Held by Insiders | 6.98% | 5.89% |
| Shares Held by Institutions | 50.3% | 61.9% |
Taxes
| Measure | LCNB | Industry median |
|---|---|---|
| Income Tax | $5.42M | $14.50M |
| Effective Tax Rate | 18.1% | 21.1% |
Scores
| Measure | LCNB | Industry median |
|---|---|---|
| Graham Number | $27.68 | $45.31 |
| Graham Upside | 45.8% | 21.6% |
| Altman Z-Score | 0.23 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from LCNB's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.