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LCNB

LCNB

LCNB Corporation is a financial holding company that operates primarily through its wholly-owned subsidiary, LCNB National Bank.

Market cap
$299.05M+41.0%
Net income$23.0M+41.8%
Free cash flow$34.1M-67.4%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$24.6M
EPS estimate$0.47

Financials

Q1 2026

Income statement

See full
Net income$4.4M-3.6%

Balance sheet

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Cash & equivalents$29.2M-22.5%
Total debt$110.9M0.0%
Total equity$275.8M+6.6%
Total assets$2.2B-2.8%

Cash flow

See full
Operating cash flow$3.1M+40.2%
CapEx$335.0K+379%
Free cash flow$2.8M+29.1%

Valuation & ratios

Valuation

See full
Market cap$299.05M+41.0%
Enterprise value$380.76M+35.5%
P/E13×+2.7×

Returns & leverage

See full
Return on equity8.6%+2.0pp
Debt / equity0.4×0.0×

Segments

By product

See full
Fiduciary And Trust$2.5M+17.3%
Deposit Account$1.5M-15.9%

Competitors

Profile

LCNB Corporation is a financial holding company that operates primarily through its wholly-owned subsidiary, LCNB National Bank. The company provides a broad range of banking and financial services, including commercial and consumer lending, wealth management, and security brokerage. It serves individuals and businesses across Southwestern and South Central Ohio and Northern Kentucky through a community-focused banking model.

Competitive position

A community-focused regional bank emphasizing direct customer access to executive leadership and personalized service.

GeographiesOhio, Kentucky, United States
Customer segmentsRetail, SME, Commercial, Institutional
Business modelInterest-based lending, Fee-based fiduciary services, Commission-based brokerage
SuppliersFederal Reserve System, Technology and Core Banking Software Providers, Third-party Broker-Dealers
CustomersHomeowners, Small Business Owners, Commercial Real Estate Developers, Agricultural Operators, Trust Beneficiaries
Listed1998
Employees380.0
CEOEric J. Meilstrup
Websitelcnb.com
FilingsSEC EDGAR

Questions, answered.

What is LCNB's market cap?
LCNB (LCNB) has a market capitalization of $299.1M and trades on NASDAQ.
Who are LCNB's competitors?
LCNB's key competitors include JPMorgan Chase & Co., Fifth Third Bancorp, KeyCorp, and others. These companies compete in similar markets and product categories.
Who does LCNB partner with?
LCNB's notable partners include LPL Financial LLC.
What subsidiaries does LCNB have?
LCNB's subsidiaries include LCNB National Bank, LCNB Risk Management, Inc..
Where is LCNB headquartered?
LCNB is headquartered in United States of America and employs approximately 380 people. It has been publicly traded since 1998.