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LCNB LCNB Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$23.9MBeat by $457.0K
EPS$0.40Miss by $0.04
Revenue estimate$23.4M
EPS estimate$0.44

Next report

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

Financials

Q4 2025

Income statement

See full
Net income$5.7M-7.6%

Balance sheet

See full
Cash & equivalents$21.6M-39.5%
Total debt$111.3M-31.0%
Total equity$273.9M+8.3%
Total assets$2.2B-2.9%

Cash flow

See full
Operating cash flow$12.7M-66.8%
CapEx$345.0K-8.0%
Free cash flow$12.4M-67.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$232.52M+8.9%
Enterprise value$322.21M-5.0%
P/E10.1×-5.8×

Returns & leverage

See full
Return on equity8.8%+3.2pp
Debt / equity0.4×-0.2×

Segments

By product

See full
Fiduciary And Trust$2.5M+9.1%
Deposit Account$1.8M-7.2%

Versus estimates

Revenue

Q2 2026$25.1MBeat by $1.1MQ1 2026$23.5MBeat by $240.0K
Q4 2025$23.9MBeat by $457.0K
Q3 2025$23.8MBeat by $5.9MQ4 2024$32.9MQ3 2024$21.4MBeat by $5.8M

Diluted EPS

Q2 2026$0.53Beat by $0.09Q1 2026$0.31Miss by $0.04
Q4 2025$0.40Miss by $0.04
Q3 2025$0.49Beat by $0.07Q4 2024$0.43Q3 2024$0.31Beat by $0.04

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Questions, answered.

When did LCNB report Q4 2025 earnings?
LCNB (LCNB) reported Q4 2025 earnings on January 29, 2026 before market open.
What were LCNB's Q4 2025 revenue and EPS?
LCNB reported revenue of $23.9M and eps of $0.40 for Q4 2025.
Did LCNB beat estimates in Q4 2025?
Revenue beat the consensus estimate of $23.4M by $457.0K. EPS missed the consensus estimate of $0.44 by $0.04.
How did LCNB's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 27.4% from $32.9M a year earlier and eps declined 7.8% from $0.43.
Where can I find LCNB's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001437749-26-002406) and the 10-K periodic report (0001437749-26-007758) directly on SEC EDGAR. The filing index links above go to sec.gov.