Saturday 17 October 2026
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LCNB Corporation
LCNB Financial Banks Regional
LCNB Corporation’s revenue for fiscal 2025 (year ended December 2025) was $124.5 million, down 0.72% from fiscal 2024. In the quarter to June 2026, revenue grew 1.60%, EPS grew 29.3%, free cash flow grew 43.1% and total debt fell 1.11%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years; insiders bought in the last twelve months.
18.88
0.09
+0.48%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
10.06 | 15.60 | 14.08 | 9.43 | 11.77 | 9.48 | 13.40 | 12.35 | 15.65 | 17.86 |
Piotroski F-Score |
8 | 5 | 5 | 5 | 5 | 6 | 7 | 6 | 6 | 6 |
P/S ratio |
1.85 | 1.66 | 1.93 | 2.59 | 3.18 | 2.39 | 3.26 | 2.75 | 3.71 | 4.10 |
P/FCF ratio |
6.90 | 2.31 | 8.56 | 6.85 | 15.48 | 16.47 | 13.98 | 9.13 | 15.96 | 34.75 |
P/Operating CF |
18.12 | 5.43 | 16.50 | 20.03 | 81.09 | 43.41 | 35.46 | 21.63 | 36.47 | 49.16 |
P/B ratio |
0.84 | 0.82 | 0.78 | 1.03 | 1.03 | 0.79 | 1.11 | 0.83 | 1.36 | 1.57 |
Price to Tangible BV |
1.32 | 1.37 | 1.25 | 1.49 | 1.39 | 1.06 | 1.53 | 1.17 | 1.75 | 2.07 |
EV/Sales |
2.50 | 2.61 | 2.70 | 2.55 | 3.07 | 2.26 | 3.52 | 3.15 | 3.25 | 3.76 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
9.04 | 3.51 | 10.99 | 7.11 | 13.34 | 13.16 | 12.41 | 10.48 | 9.85 | 13.28 |
EV/FCF |
9.30 | 3.63 | 11.99 | 6.73 | 14.96 | 15.63 | 15.10 | 10.44 | 13.99 | 31.91 |
Quick Ratio |
0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Current Ratio |
0.93 | 0.93 | 0.91 | 0.84 | 0.84 | 0.90 | 0.93 | 0.89 | 0.76 | 0.72 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
4.66% | 6.72% | 4.94% | 0.99% | 0.53% | 1.26% | 2.50% | 2.87% | 0.02% | 0.05% |
Debt/Equity |
0.38 | 0.61 | 0.48 | 0.10 | 0.04 | 0.09 | 0.18 | 0.21 | 0.00 | 0.00 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
1.49 | 6.91 | 1.85 | 1.30 | 0.85 | 0.68 | 1.16 | 1.33 | 1.40 | 1.24 |
Capex/Depreciation |
(1.42) | (4.88) | (0.65) | 0.58 | (0.74) | (0.97) | (1.21) | 0.02 | (1.62) | (3.54) |
| 8.77% | 5.53% | 5.79% | 10.02% | 8.72% | 8.54% | 8.45% | 8.04% | 8.85% | 8.82% | |
| 1.02% | 0.59% | 0.60% | 1.15% | 1.15% | 1.18% | 1.15% | 1.01% | 1.00% | 0.96% | |
ROIC |
4.99% | 3.26% | 4.03% | 8.55% | 6.94% | 6.53% | 5.82% | 5.08% | 8.67% | 8.48% |
Return on Tangible Assets |
(25.55%) | (14.67%) | (9.05%) | (9.40%) | (9.37%) | (18.62%) | (28.64%) | (12.10%) | (5.43%) | (4.19%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
50.30% | 48.36% | 54.01% | 59.85% | 60.37% | 58.79% | 54.90% | 58.47% | 60.47% | 61.21% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
0.52% | 0.47% | 0.59% | 0.66% | 0.32% | 0.17% | 0.17% | 0.16% | 0.14% | 0.17% |
Graham Net Nets |
(1.04) | (1.41) | (1.61) | (1.41) | (1.12) | (0.90) | (0.58) | (1.12) | (1.35) | (1.47) |
Graham Number |
26.71 | 20.03 | 22.99 | 27.63 | 26.61 | 25.50 | 23.77 | 22.50 | 20.96 | 20.18 |
Earnings Yield |
9.95% | 6.41% | 7.10% | 10.60% | 8.50% | 10.55% | 7.46% | 8.10% | 6.39% | 5.60% |
Free Cash Flow Yield |
14.49% | 43.35% | 11.68% | 14.59% | 6.46% | 6.07% | 7.15% | 10.96% | 6.27% | 2.88% |
Revenue per Share |
8.84 | 9.11 | 8.32 | 7.01 | 6.15 | 6.16 | 5.93 | 5.50 | 5.49 | 5.49 |
Operating CF per Share |
2.44 | 6.77 | 2.05 | 2.52 | 1.42 | 1.06 | 1.68 | 1.65 | 1.81 | 1.56 |
Capex per Share |
(0.07) | (0.21) | (0.17) | 0.14 | (0.15) | (0.17) | (0.30) | 0.01 | (0.54) | (0.91) |
Free Cash Flow per Share |
2.37 | 6.56 | 1.88 | 2.66 | 1.26 | 0.89 | 1.38 | 1.66 | 1.28 | 0.65 |
Cash per Share |
1.73 | 2.61 | 3.48 | 1.99 | 1.44 | 2.46 | 1.59 | 1.76 | 2.54 | 1.90 |
Shareholders Equity per Share |
19.45 | 18.38 | 20.61 | 17.59 | 18.95 | 18.65 | 17.44 | 18.35 | 15.02 | 14.37 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.45 | 18.38 | 20.61 | 17.59 | 18.95 | 18.65 | 17.44 | 18.35 | 15.02 | 14.37 |
Free Cash Flow |
33.45 | 90.29 | 21.41 | 30.31 | 15.89 | 11.52 | 18.06 | 19.81 | 12.76 | 6.44 |
Working Capital |
(129.70) | (133.03) | (175.83) | (267.19) | (258.48) | (142.93) | (100.72) | (155.30) | (274.02) | (328.16) |
Capital Expenditures |
(0.95) | (2.95) | (1.95) | 1.60 | (1.93) | (2.16) | (3.91) | 0.07 | (5.37) | (9.04) |
Net Current Asset Value |
(241.00) | (294.30) | (295.21) | (292.91) | (274.95) | (171.30) | (147.16) | (202.33) | (274.32) | (328.76) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.02 | (0.02) | 0.03 | 0.03 | 0.05 | 0.00 | 0.10 | 0.17 |
Price to Operating Income |
8.16 | 10.73 | 9.20 | 7.71 | 9.61 | 7.85 | 10.91 | 9.08 | 11.73 | 13.22 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.02 | 0.01 | 0.08 | 0.08 | 0.07 | 0.06 | 0.09 | 0.12 | 0.09 | 0.08 |
Cash ROIC |
8.31% | 20.33% | 5.52% | 12.50% | 5.96% | 3.91% | 6.23% | 6.90% | 7.25% | 3.97% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
20,652.72 | 15,503.77 | 28,640.95 | 124,350.25 | 146,686.14 | 70,249.85 | 45,617.56 | 73,904.35 | 110,120.77 | 115,719.27 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,859.32 | 1,851.34 | 1,714.68 | 1,616.89 | 1,542.12 | 1,401.85 | 1,324.60 | 1,193.37 | 1,098.36 | 1,099.03 |
Average Assets |
2,274.08 | 2,299.49 | 2,105.50 | 1,911.51 | 1,824.76 | 1,692.60 | 1,638.12 | 1,466.28 | 1,301.22 | 1,293.67 |
Average Common Equity |
263.48 | 244.17 | 217.99 | 219.64 | 239.71 | 234.44 | 223.52 | 184.63 | 146.61 | 141.53 |
Columns are period end dates · fundamentals updated 6 Oct 2026