Company research
LCNB CORP
CIK 1074902Updated Sep 24, 2026
SecurityLCNB · NASDAQ · equity
LCNB price & chart
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Recent filings
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02, 9.01
D/A filing
D filing
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02, 9.01
13F-HR filing
Show 5 more recent filings
Regulation FD Disclosure
Items 7.01, 9.01
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Regulation FD Disclosure
Items 1.01, 2.03, 7.01, 9.01
10-Q filing
N-PX filing
Results of Operations and Financial Condition · Regulation FD Disclosure
Items 2.02, 7.01, 9.01
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 2,240,769,000Source | 2,307,394,000Source | 2,291,592,000Source | 1,919,121,000Source |
| Property, Plant and Equipment, NetUSD | 39,196,000Source | 41,049,000Source | 36,302,000Source | 33,042,000Source |
| GoodwillUSD | 90,310,000Source | 90,310,000Source | 79,509,000Source | 59,221,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 9,271,000Source | 11,104,000Source | 9,494,000Source | 1,827,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 21,614,000Source | 35,744,000Source | 39,723,000Source | 22,701,000Source |
| Operating Lease, Right-of-Use AssetUSD | 6,475,000Source | 5,785,000Source | 6,000,000Source | 6,248,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 1,966,840,000Source | 2,054,358,000Source | 2,056,289,000Source | 1,718,446,000Source |
| Commitments and ContingenciesUSD | — | — | 0Source | 0Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 188,212,000Source | 186,937,000Source | 173,637,000Source | 144,069,000Source |
| Retained Earnings (Accumulated Deficit)USD | 151,938,000Source | 141,290,000Source | 140,017,000Source | 139,249,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -10,150,000Source | -19,189,000Source | -22,336,000Source | -29,954,000Source |
| Stockholders' Equity Attributable to ParentUSD | 273,929,000Source | 253,036,000Source | 235,303,000Source | 200,675,000Source |
| Liabilities and EquityUSD | 2,240,769,000Source | 2,307,394,000Source | 2,291,592,000Source | 1,919,121,000Source |
| Additional Financial Items | ||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | -10,143,000Source | -19,190,000Source | — | — |
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | 7,000Source | -1,000Source | — | — |
| Long-term DebtUSD | 104,428,000Source | 155,153,000Source | 113,123,000Source | 19,072,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Deferred Income Tax Expense (Benefit)USD | 2,782,000Source | 1,951,000Source | -323,000Source | -345,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 34,396,000Source | 93,236,000Source | 20,702,000Source | 25,242,000Source |
| Cash flows from investing activities: | ||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | 0Source | 2,144,000Source | — | — |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | 52,052,000Source | 61,394,000Source | -57,753,000Source | -44,912,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 959,000Source | 3,798,000Source | 2,606,000Source | 884,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | — | — | 3,326,000Source | 23,660,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -100,578,000Source | -158,609,000Source | 54,073,000Source | 24,235,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 12,472,000Source | 12,219,000Source | 9,938,000Source | 9,191,000Source |
| Repayments of Long-term DebtUSD | 51,088,000Source | 8,001,000Source | 6,919,000Source | 5,928,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | -14,130,000Source | -3,979,000Source | 17,022,000Source | 4,565,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 39,723,000Source | 22,701,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 33,474,000Source | 42,532,000Source | 21,740,000Source | 4,677,000Source |
| Income Taxes Paid, NetUSD | -83,000Source | 0Source | — | — |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 1,075,000Source | 1,142,000Source | 532,000Source | 478,000Source |
| Bank Owned Life Insurance IncomeUSD | 1,422,000Source | 1,665,000Source | 1,136,000Source | 1,074,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | 0Source | -214,000Source | 0Source | 0Source |
| DepreciationUSD | 2,200,000Source | 2,085,000Source | — | — |
| Depreciation, Amortization and Accretion, NetUSD | 668,000Source | 604,000Source | 2,989,000Source | 2,744,000Source |
| Depreciation, NonproductionUSD | — | — | 1,881,000Source | 1,897,000Source |
| Equipment ExpenseUSD | 1,517,000Source | 1,584,000Source | 1,616,000Source | 1,629,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | 30,000Source | -9,000Source | -5,000Source | -292,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | 0Source | 0Source | -61,000Source | 0Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | 30,000Source | -9,000Source | 56,000Source | -292,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 1,976,000Source | 1,266,000Source | 653,000Source | — |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | 0Source | 455,000Source | 422,000Source | -455,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | 2,937,000Source | 3,433,000Source | 697,000Source | 196,000Source |
| GoodwillUSD | 90,310,000Source | 90,310,000Source | 79,509,000Source | 59,221,000Source |
| Income Tax Expense (Benefit)USD | 5,032,000Source | 2,469,000Source | 2,632,000Source | 4,818,000Source |
| Net Income (Loss) Attributable to ParentUSD | 23,120,000Source | 13,492,000Source | 12,628,000Source | 22,128,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 22,989,000Source | 13,410,000Source | 12,542,000Source | 22,014,000Source |
| Other Interest and Dividend IncomeUSD | 2,760,000Source | 2,900,000Source | 1,607,000Source | 641,000Source |
| Proceeds from Issuance of Common StockUSD | 625,000Source | 525,000Source | 428,000Source | 408,000Source |
| Proceeds from Issuance of Long-term DebtUSD | 363,000Source | 50,000,000Source | 95,000,000Source | 15,000,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 42,324,000Source | 32,149,000Source | 22,609,000Source | 20,680,000Source |
| Proceeds from Stock Options ExercisedUSD | — | — | 0Source | 0Source |
| Provision for Loan, Lease, and Other LossesUSD | 1,936,000Source | 1,962,000Source | — | 250,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 28,152,000Source | 15,961,000Source | 15,260,000Source | 26,946,000Source |
| Income Tax Expense (Benefit)USD | 5,032,000Source | 2,469,000Source | 2,632,000Source | 4,818,000Source |
| Net Income (Loss) Attributable to ParentUSD | 23,120,000Source | 13,492,000Source | 12,628,000Source | 22,128,000Source |
| Earnings Per Share, BasicUSD per share | 1.63Source | 0.97Source | 1.1Source | 1.93Source |
| Earnings Per Share, DilutedUSD per share | 1.63Source | 0.97Source | 1.1Source | 1.93Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 14,086,379Source | 13,764,985Source | 11,417,857Source | 11,410,981Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 14,086,379Source | 13,764,985Source | 11,417,857Source | 11,410,981Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 1,075,000Source | 1,142,000Source | 532,000Source | 478,000Source |
| Bank Owned Life Insurance IncomeUSD | 1,422,000Source | 1,665,000Source | 1,136,000Source | 1,074,000Source |
| Business Combination, Acquisition Related CostsUSD | 140,000Source | 3,442,000Source | 4,656,000Source | — |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 0.88Source | 0.88Source | 0.85Source | 0.81Source |
| Current Income Tax Expense (Benefit)USD | — | 518,000Source | — | — |
| Equipment ExpenseUSD | 1,517,000Source | 1,584,000Source | 1,616,000Source | 1,629,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | 0Source | 0Source | -61,000Source | 0Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 1,976,000Source | 1,266,000Source | 653,000Source | — |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | 28,152,000Source | — | — | — |
| Interest ExpenseUSD | — | — | 23,250,000Source | 4,711,000Source |
| InterestExpenseOperatingUSD | 32,525,000Source | 44,220,000Source | — | — |
| Interest Income (Expense), NetUSD | 70,222,000Source | 60,795,000Source | 56,349,000Source | 61,042,000Source |
| Labor and Related ExpenseUSD | 35,496,000Source | 35,170,000Source | 29,108,000Source | 28,483,000Source |
| Marketing and Advertising ExpenseUSD | 1,223,000Source | 1,047,000Source | 1,101,000Source | 1,184,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 22,989,000Source | 13,410,000Source | 12,542,000Source | 22,014,000Source |
| Other Interest and Dividend IncomeUSD | 2,760,000Source | 2,900,000Source | 1,607,000Source | 641,000Source |