LCNB CORP(LCNB)Stock Analysis
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This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
LCNB Stock Analysis & AI Quality Score
AI stock analysis and institutional research for LCNB CORP (LCNB), a Financials sector company. LCNB is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), LCNB CORP reports quarterly revenue of $23.5M, net income of $4.4M, free cash flow of $2.8M. Top institutional holders of LCNB by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, Ritter Daniher Financial Advisory / DE, based on the most recent SEC filings. LCNB trades on the Nasdaq exchange and files with the SEC under CIK 1074902. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate LCNB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for LCNB CORP directly from SEC EDGAR.
Revenue
Q1 2026
$23.5M
Net Income
Q1 2026
$4.4M
Free Cash Flow
Q1 2026
$2.8M
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+71.4% YoYEPS (Diluted)
+68.0% YoYTotal Assets
-2.9% YoYTotal Debt
-32.7% YoYOp. Cash Flow
-63.1% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Net Income | $23.1M +71.4% | $13.5M +6.8% | $12.6M -39.8% | $21.0M +4.5% | $20.1M +6.1% | $18.9M |
| EPS (Diluted) | $1.63 +68.0% | $0.97 -11.8% | $1.10 -33.7% | $1.66 +7.1% | $1.55 +7.6% | $1.44 |
| Total Assets | $2.24B -2.9% | $2.31B +0.7% | $2.29B +20.4% | $1.90B +9.0% | $1.75B +6.5% | $1.64B |
| Total Debt | $104.4M -32.7% | $155.2M -26.3% | $210.5M +2005.2% | $10.0M -54.5% | $22.0M -46.3% | $41.0M |
| Operating Cash Flow | $34.4M -63.1% | $93.2M +299.1% | $23.4M +31.1% | $17.8M +30.3% | $13.7M -37.7% | $22.0M |
AI Insight: LCNB Financial Trends
Debt cut by one-third since Q2 2024 while equity steadily builds, but net income softened to $4M in Q1 2026 — the weakest quarter in a year.
• Total debt fell from $162M in Q2 2024 to $104M in Q1 2026, a 36% reduction, meaningfully deleveraging the balance sheet.
• Equity grew consistently from $245M in Q2 2024 to $276M in Q1 2026, adding $31M over eight quarters.
• Net income declined to $4M in Q1 2026, down from $7M in Q3 2025 — the lowest reading since Q2 2024's $1M.
⚠ Operating cash flow is highly volatile, ranging from $2M to $55M; Q1 2026's $3M is near the trough — sustainability is unclear.
⚠ Net income compression in Q1 2026 warrants monitoring to confirm whether the Q3 2025 peak of $7M was a high-water mark.
AI Insight: LCNB Ratio Trends
LCNB's leverage has nearly halved since Q2 2024, but Q1 2026 profitability metrics dipped to their weakest level in three quarters.
• D/E ratio dropped sharply from 0.66 in Q2 2024 to 0.38 in Q1 2026, signaling meaningful balance sheet deleveraging.
• ROIC peaked at 9.0% in Q3 2025 but retreated to 5.6% in Q1 2026, the lowest reading since Q2 2024.
• ROE followed a similar arc: 10.3% in Q3 2025 declining to 6.4% in Q1 2026, suggesting near-term earnings softness.
⚠ Q1 2026 ROA fell to 0.8% from 1.2% in Q3 2025 — monitor whether this is seasonal or a sustained step-down.
⚠ D/E has stabilized at 0.38 for three consecutive quarters; watch for further reduction or re-leveraging activity.
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Available Research
13F Pro tracks comprehensive data for LCNB CORP including:
Top Institutional Holders of LCNB
BlackRock, Inc.
$12.9M825,765 shVANGUARD CAPITAL MANAGEMENT LLC
$8.5M546,561 shRitter Daniher Financial Advisory LLC / DE
$8.5M544,927 shDIMENSIONAL FUND ADVISORS LP
$8.2M523,527 shLCNB CORP
$7.9M509,463 shGEODE CAPITAL MANAGEMENT, LLC
$5.1M325,500 shSTATE STREET CORP
$2.8M182,373 shRENAISSANCE TECHNOLOGIES LLC
$2.4M156,283 shJOHNSON INVESTMENT COUNSEL INC
$2.1M136,906 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$1.9M120,429 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $12.9M | 825,765 |
| VANGUARD CAPITAL MANAGEMENT LLC | $8.5M | 546,561 |
| Ritter Daniher Financial Advisory LLC / DE | $8.5M | 544,927 |
| DIMENSIONAL FUND ADVISORS LP | $8.2M | 523,527 |
| LCNB CORP | $7.9M | 509,463 |
| GEODE CAPITAL MANAGEMENT, LLC | $5.1M | 325,500 |
| STATE STREET CORP | $2.8M | 182,373 |
| RENAISSANCE TECHNOLOGIES LLC | $2.4M | 156,283 |
| JOHNSON INVESTMENT COUNSEL INC | $2.1M | 136,906 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1.9M | 120,429 |
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Popular Research
Is LCNB a good stock to buy?
13F Pro's AI-powered analysis of LCNB CORP (LCNB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for LCNB are available on the LCNB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own LCNB?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling LCNB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of LCNB CORP's investment landscape.