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LCNB CORP

LCNB

$19.84 ▼ -0.14 (-0.73%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

LCNB CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $279.5M

Dividend Yield 4.44%

Revenue Growth 13.3% →

Op. Margin 30.6% ↗

ROIC None

FCF / Share None

Trailing P/E 12.2x

Price / Book 1.0x

FCF Yield —

Debt / Equity 0.38

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$92.00M

↑ +13.3% —

Net Income Profit after all expenses

$23.12M

↑ +71.4% —

Operating Margin Operating profit as % of sales

30.6%

↑ +55.7% 87th

Long-Term Debt Long-term obligations

$104.43M

↓ -32.7% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.88 Latest / share

+0.0% YoY

+2.9% 12-yr CAGR

$0.64

FY 2014

$0.64

FY 2015

$0.64

FY 2016

$0.64

FY 2017

$0.65

FY 2018

$0.69

FY 2019

$0.73

FY 2020

$0.77

FY 2021

$0.81

FY 2022

$0.85

FY 2023

$0.88

FY 2024

$0.88

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	13.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+122%)	13.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+119%)	-4.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-179%)	2.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-55%)	1.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-68%)	7.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	12.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+112%)	15.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+156%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	3.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-45%)	9.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+64%)	16.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+182%)	13.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+116%)	1.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-69%)	-3.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-154%)	8.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+34%)	—	—
EPS Growth YoY (%)	68.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-43.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	16.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	7.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	7.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	16.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-4.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	6.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	11.3% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-5.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	71.4% Excellent ↑ Excellent Improving Year-over-year change in net income	6.8% Fair ↑ Fair Improving Year-over-year change in net income	-42.9% Weak ↓ Weak Declining Year-over-year change in net income	5.5% Fair ↓ Fair Declining Year-over-year change in net income	4.5% Caution ↓ Caution Declining Year-over-year change in net income	6.1% Fair ↓ Fair Declining Year-over-year change in net income	27.4% Excellent ↑ Excellent Improving Year-over-year change in net income	14.4% Fair ↑ Fair Improving Year-over-year change in net income	3.9% Caution ↓ Caution Declining Year-over-year change in net income	8.8% Fair ↓ Fair Declining Year-over-year change in net income	16.3% Good ↑ Good Improving Year-over-year change in net income	12.4% Fair ↑ Fair Improving Year-over-year change in net income	6.2% Fair ↑ Fair Improving Year-over-year change in net income	1.9% Caution ↓ Caution Declining Year-over-year change in net income	-13.4% Weak Weak Year-over-year change in net income	20.7% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	13.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	3.7% Caution Caution Compound annual revenue growth over 3 years	2.1% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.0% Fair → Fair Stable Compound annual revenue growth over 5 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	8.0% Fair → Fair Stable Compound annual revenue growth over 5 years	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.4% Fair Fair Compound annual revenue growth over 5 years	7.1% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-5.5% Weak → Weak Stable Compound annual EPS growth over 3 years	-16.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-10.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	10.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	4.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	1.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.0% Fair Fair Compound annual EPS growth over 3 years	4.0% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	30.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	19.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	21.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	35.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	34.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	33.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	25.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	16.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	17.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	29.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	28.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	28.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	25.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	25.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	24.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	23.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	21.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	24.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	27.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	24.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	5.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	5.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	8.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	8.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	8.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	8.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	10.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	10.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	13.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	11.8% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.38x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.61x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-49%)	0.89x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.45x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.04x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	—	—	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.31x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.27x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.28x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.31x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$6.53	$5.90	$6.28	$6.60	$5.83	$5.57	$5.10	$4.96	$5.13	$5.14	$5.10	$4.84	$4.91	$5.08	$5.00	$5.17	$4.79	—
Basic EPS, GAAP (USD)	$1.63	$0.97	$1.10	$1.93	$1.66	$1.55	$1.44	$1.24	$1.30	$1.26	$1.18	$1.06	$1.12	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.88	$0.88	$0.85	$0.81	$0.77	$0.73	$0.69	$0.65	$0.64	$0.64	$0.64	$0.64	$0.64	$0.64	$0.64	—	—	—
Book Value per Share (USD)	$19.30	$17.92	$17.86	$17.82	$19.22	$18.73	$17.63	$18.35	$15.02	$14.37	$14.44	$13.52	$15.14	$12.21	$11.65	$10.57	$9.81	—
Tangible Book Value per Share (USD)	$12.28	$10.74	$11.11	$12.40	$14.25	$13.85	$12.74	$12.96	$11.62	$10.87	$10.77	$10.03	$12.98	$11.33	$10.77	$9.69	$9.81	—
Basic Weighted Avg Shares (shares)	14.09M	13.76M	11.42M	11.41M	12.59M	12.91M	13.08M	11.94M	10.01M	9.95M	9.70M	9.30M	7.85M	6.72M	6.69M	6.69M	6.69M	—
Dividend Payout Ratio (%)	54.0% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	90.7% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	77.3% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	42.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	47.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	47.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.4% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	49.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.8% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	54.2% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	60.4% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	57.1% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$104.43M	$155.15M	$113.12M	$19.07M	$10.00M	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$273.93M	$253.04M	$235.30M	$200.68M	$238.60M	$240.82M	$228.05M	$218.99M	$150.27M	$142.94M	$140.11M	$125.69M	$118.87M	$82.01M	$77.96M	$70.71M	$65.61M	$58.12M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$92.00M	$81.20M	$71.76M	$75.33M	$73.36M	$71.96M	$66.75M	$59.22M	$51.32M	$51.10M	$49.45M	$45.03M	$38.52M	$34.10M	$33.47M	$34.58M	$32.02M	—
Depreciation Expense (USD)	$2.20M	$2.10M	$1.88M	—	—	$1.83M	$1.77M	$1.78M	$1.55M	$1.21M	$1.43M	$1.48M	$1.46M	$1.26M	$1.18M	—	—	—
Net Income, GAAP (USD)	$23.12M	$13.49M	$12.63M	$22.13M	$20.97M	$20.07M	$18.91M	$14.85M	$12.97M	$12.48M	$11.47M	$9.87M	$8.78M	$8.27M	$8.12M	$9.37M	$7.77M	—
Operating Cash Flow (USD)	$34.40M	$93.24M	$23.36M	$25.24M	$17.82M	$13.68M	$21.97M	$19.74M	$18.14M	$15.48M	$13.24M	$15.94M	$10.45M	$10.99M	$10.66M	$13.80M	$8.73M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.6%	2.5%	3.2%	3.0%	3.2%	3.3%	2.9%	3.2%	3.1%	3.1%	3.2%	3.2%	3.2%	3.2%	3.4%	—	—
Efficiency Ratio (%) (%)	67.3%	77.9%	75.8%	63.9%	65.5%	63.6%	65.2%	68.4%	66.0%	65.1%	65.5%	68.5%	68.0%	63.6%	65.3%	61.5%	64.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

LCNB CORP

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