LCNB
Provides lending, deposits, and wealth services across Ohio and Northern Kentucky.
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Profile
Provides deposits, treasury services, lending, mortgages, and wealth management through LCNB National Bank in southwestern and south-central Ohio and Northern Kentucky. A banking-focused model ties results to loan and deposit competition, interest rates, regulation, technology security, and recent acquisition integration.
Operates through LCNB National Bank, a community-bank franchise offering deposits, treasury and cash-management services, commercial and consumer lending, mortgages, home-equity lending, wealth management, trust and fiduciary services, and brokerage access through LPL Financial.
Serves southwestern and south-central Ohio plus Northern Kentucky through branches and digital banking. Recent Cincinnati-area acquisitions extended the footprint and made integration part of the current operating work.
The model depends on local loan and deposit demand, interest-rate spreads, credit quality, banking regulation, technology and data security, and competition from banks, credit unions, fintech firms, mortgage providers, brokerages, insurers, and other financial intermediaries.
Company facts
Categories
Key statistics
Year to date +20.2% · Average volume (30d) 45.8K
Analysts
Ratings
Target range
Latest analyst notes
No analyst notes in the last 24 months.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 16, 2026Q2 FY26 | $0.44 | $0.53 | +20.5% | $24.0M | $25.1M | +4.8% | −3.24% |
| Apr 22, 2026Q1 FY26 | $0.35 | $0.31 | −11.4% | $23.3M | $23.5M | +1.0% | −3.49% |
| Jan 29, 2026Q4 FY25 | $0.44 | $0.40 | −9.1% | $23.4M | $23.9M | +2.0% | −0.87% |
| Oct 22, 2025Q3 FY25 | $0.43 | $0.49 | +15.3% | $17.9M | $23.8M | +33.1% | +1.35% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $30.5M | $31.2M | $32.0M | $30.8M | $30.1M | $31.7M | |
| Gross profit | $21.3M | $22.8M | $23.6M | $22.3M | $21.2M | $24.9M | |
| Operating income | $5.5M | $7.2M | $8.5M | $7.0M | $5.3M | $9.7M | |
| Net income | $4.6M | $5.9M | $6.9M | $5.7M | $4.4M | $7.5M | |
| Diluted EPS | $0.33 | $0.42 | $0.49 | $0.40 | $0.31 | $0.53 | |
| Gross margin | 69.8% | 73.0% | 73.8% | 72.6% | 70.4% | 78.5% | |
| Operating margin | 18.1% | 23.1% | 26.5% | 22.6% | 17.7% | 30.5% |
Fiscal years (4-quarter sums)FY21 $76.0M · FY22 $78.7M · FY23 $93.9M · FY24 $125.4M · FY25 $124.5M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $234.9M · Total debt $103.8M · Total assets $2.22B · Shareholders' equity $280.6M
Dividends
Raised for 24 straight years — most recently to $0.22 from $0.21 in Nov 2023. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jun 15 | $0.22 | |
| Mar 2, 2026 | Mar 2 | Mar 16 | $0.22 | |
| Dec 1, 2025 | Dec 1 | Dec 15 | $0.22 | |
| Sep 2, 2025 | Sep 2 | Sep 16 | $0.22 | |
| Jun 2, 2025 | Jun 2 | Jun 16 | $0.22 | |
| Mar 3, 2025 | Mar 3 | Mar 17 | $0.22 | |
| Dec 2, 2024 | Dec 2 | Dec 16 | $0.22 | |
| Sep 3, 2024 | Sep 3 | Sep 16 | $0.22 |
Ownership
Shares outstanding 14.25M · Float 13.33M · 93.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 825.8K | 5.80% | 13F | May 13, 2026 |
| Vanguard Capital Management LLC | 546.6K | 3.84% | 13F | May 15, 2026 |
| Ritter Daniher Financial Advisory LLC / de | 544.9K | 3.83% | 13F | May 6, 2026 |
| Dimensional Fund Advisors LP | 523.5K | 3.67% | 13F | May 7, 2026 |
| LCNB Corp | 509.5K | 3.58% | 13F | May 11, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 27, 2026 | Eric J. Meilstrup | director, officer: CEO | +400 | $19.34 |
| Aug 17, 2026 | Robert C. II Haines | officer: President | +500 | $19.75 |
| May 28, 2026 | Eric J. Meilstrup | director, officer: CEO | +400 | $16.95 |
| May 15, 2026 | Robert C. II Haines | officer: President | +500 | $15.78 |
| Feb 4, 2026 | Michael Robert Miller | officer: Executive Vice President | −2,759 | $17.75 |
Peers
- First Financial Bancorp
Closest Cincinnati-area public regional bank peer
- Fifth Third
Cincinnati super-regional pressure across deposits, lending, and wealth
- Huntington Bancshares
Ohio regional bank with statewide branch, lending, and wealth overlap
- Stock Yards Bancorp
Kentucky/Cincinnati bank with commercial and wealth-management overlap
- Civista Bancshares
Smaller Ohio/Northern Kentucky peer in deposits, loans, and wealth
- German American Bancorp
Greater Cincinnati entrant via Heartland with community banking overlap
- Park National
Ohio bank holding company with Cincinnati and Kentucky overlap
- WesBanco
Ohio/Kentucky regional bank competing in banking, trust, and mortgage
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| LCNB | $19.43 | −0.15% | $276.8M | 11.2 | 10.6 | 2.2 | +10.3% |
| First Financial Bancorp | $32.84 | +0.09% | $3.44B | 11.6 | 10.2 | 2.6 | +16.7% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| Stock Yards Bancorp | $79.84 | −0.01% | $2.36B | 15.9 | 14.8 | 4.2 | +17.2% |
| Civista Bancshares | $27.48 | +0.07% | $571.1M | 10.2 | 9.8 | 2.5 | +15.0% |
| German American Bancorp | $49.92 | −0.02% | $1.88B | 13.2 | 12.4 | 3.7 | +12.7% |
| Park National | $198.12 | +0.11% | $3.59B | 17.7 | 14.9 | 5.9 | +24.7% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Median | 12.9 | 11.5 | 3.0 | +17.0% |