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Lcnb Corp (NASDAQ:LCNB)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
19.57-0.16 (-0.81%)
Insider Score
/ 100
LCNB Insider Score
LCNB CORP has a live Insider Score.
Scored on 2 qualifying trades from 2 insiders in the last 90 days.
Financial Health Score
Sound
From LCNB’s reported statements · Q3 2026 (trailing 12 months)
Profitability20 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $124.4M
- Net income
- $24.9M
- Net margin
- 20.0%
Leverage16 / 20
Little or no net debt.
- Total debt
- $100.9M
- Cash
- $70.3M
- Net debt / EBITDA
- 0.79x
Liquidity0 / 20
Owes more within a year than it holds to pay it.
- Current assets
- $323.2M
- Current liabilities
- $1.88B
- Current ratio
- 0.17
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $38.6M
- Free cash flow
- $36.3M
- FCF margin
- 29.2%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 14.2M
- Share growth (1y)
- 0.5%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
LCNB Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 31.77 M | 31.68 M | 30.12 M | 30.79 M | 32.01 M | 31.19 M |
| Revenue Growth (YoY) | -0.76 % | 1.60 % | -1.36 % | -6.37 % | -2.43 % | 0.46 % |
| Cost of Revenue | 7.20 M | 6.82 M | 8.92 M | 8.44 M | 8.39 M | 8.42 M |
| Gross Profit | 24.57 M | 24.87 M | 21.20 M | 22.35 M | 23.62 M | 22.77 M |
| SG&A Expense | 12.26 M | 11.11 M | 10.04 M | 10.34 M | 9.38 M | 9.53 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 15.30 M | 15.19 M | 15.88 M | 15.39 M | 15.14 M | 15.57 M |
| Operating Income | 9.27 M | 9.68 M | 5.32 M | 6.96 M | 8.47 M | 7.20 M |
| Pretax Income | 8.98 M | 9.19 M | 5.32 M | 6.96 M | 8.47 M | 7.20 M |
| Tax Provision | 1.67 M | 1.70 M | 877.00 K | 1.30 M | 1.54 M | 1.28 M |
| Net Income | 7.31 M | 7.49 M | 4.44 M | 5.66 M | 6.94 M | 5.92 M |
| EPS (Basic) | 0.52 | 0.53 | 0.31 | 0.40 | 0.49 | 0.42 |
| EPS (Diluted) | 0.52 | 0.53 | 0.31 | 0.40 | 0.49 | 0.42 |
| Shares Outstanding | 14.17 M | 14.16 M | 14.13 M | 14.11 M | 14.10 M | 14.09 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.