Financial Snapshot

Revenue
$78.12M
TTM
Gross Margin
Net Earnings
$7.085M
TTM
Current Assets
Current Liabilities
$21.00M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$253.2M
Q3 2024
Cash
Q3 2024
P/E
33.58
Nov 29, 2024 EST
Free Cash Flow
$57.26M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Revenue $79.60M $65.75M $61.18M $63.78M $65.19M $54.59M $44.46M $43.75M $42.66M $39.48M $6.445M $29.94M $32.09M
YoY Change 21.06% 7.48% -4.08% -2.17% 19.42% 22.79% 1.63% 2.56% 8.06% 512.52% -78.47% -6.71%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Revenue $79.60M $65.75M $61.18M $63.78M $65.19M $54.59M $44.46M $43.75M $42.66M $39.48M $6.445M $29.94M $32.09M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.989M $2.744M $1.931M $1.834M $1.770M $1.776M $1.549M $1.210M $1.427M $1.479M $1.456M $1.256M $1.182M $2.810M $2.430M $2.100M $2.190M $2.250M $2.580M $2.970M $3.210M $2.550M $2.260M $2.000M $1.890M $1.430M
YoY Change 8.93% 42.1% 5.29% 3.62% -0.34% 14.65% 28.02% -15.21% -3.52% 1.58% 15.92% 6.26% -57.94% 15.64% 15.71% -4.11% -2.67% -12.79% -13.13% -7.48% 25.88% 12.83% 13.0% 5.82% 32.17% 32.41%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Interest Expense $23.25M $4.711M $4.053M $7.562M $10.79M $6.425M $3.599M $3.504M $3.328M $3.590M $4.065M $4.889M $6.387M
YoY Change 393.53% 16.23% -46.4% -29.9% 67.91% 78.52% 2.71% 5.29% -7.3% -11.69% -16.85% -23.45%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Pretax Income $15.26M $26.95M $25.59M $24.16M $23.03M $17.79M $17.24M $16.93M $15.70M $13.26M $11.72M $11.07M $9.532M $11.63M $9.930M $8.560M $7.890M $8.680M $8.950M $9.050M $9.170M $9.060M $8.510M $7.330M $7.900M $7.890M
YoY Change -43.37% 5.32% 5.9% 4.93% 29.4% 3.19% 1.88% 7.83% 18.42% 13.08% 5.94% 16.08% -18.04% 17.12% 16.0% 8.49% -9.1% -3.02% -1.1% -1.31% 1.21% 6.46% 16.1% -7.22% 0.13% 9.43%
Income Tax $2.632M $4.818M $4.611M $4.085M $4.113M $2.949M $4.272M $4.443M $4.222M $3.386M $2.942M $2.795M $2.210M $2.490M $2.250M $2.130M $1.940M $2.170M $2.240M $2.450M $2.430M $2.520M $2.440M $2.090M $2.320M $2.430M
% Of Pretax Income 17.25% 17.88% 18.02% 16.91% 17.86% 16.57% 24.77% 26.25% 26.9% 25.55% 25.1% 25.26% 23.19% 21.41% 22.66% 24.88% 24.59% 25.0% 25.03% 27.07% 26.5% 27.81% 28.67% 28.51% 29.37% 30.8%
Net Earnings $12.63M $22.13M $20.97M $20.08M $18.91M $14.85M $12.97M $12.48M $11.47M $9.869M $8.780M $8.270M $8.115M $9.370M $7.770M $6.600M $5.950M $6.510M $6.710M $6.600M $6.740M $6.540M $6.070M $5.240M $5.580M $5.460M
YoY Change -42.93% 5.5% 4.48% 6.15% 27.4% 14.44% 3.93% 8.79% 16.26% 12.4% 6.17% 1.91% -13.39% 20.59% 17.73% 10.92% -8.6% -2.98% 1.67% -2.08% 3.06% 7.74% 15.84% -6.09% 2.2% 8.33%
Net Earnings / Revenue 15.86% 33.65% 34.28% 31.48% 29.01% 27.19% 29.17% 28.53% 26.9% 25.0% 136.23% 27.62% 25.29%
Basic Earnings Per Share $1.10 $1.93 $1.66 $1.55 $1.44 $1.24 $1.30 $1.26 $1.18 $1.06 $1.12 $1.23
Diluted Earnings Per Share $1.10 $1.93 $1.66 $1.55 $1.44 $1.24 $1.29 $1.25 $1.17 $1.05 $1.10 $1.22 $1.203M $1.390M $1.160M $986.5K $934.1K $1.003M $1.015M $985.1K $985.4K $947.8K $857.3K $738.0K $785.9K $769.0K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $42.30M $39.29M $41.70M $41.70M $40.20M $32.60M $34.90M $30.20M $22.10M $20.70M $19.90M $16.60M $17.30M $16.00M $15.70M $15.60M $14.20M $12.10M $12.60M $12.20M $12.00M $11.70M $11.60M $10.50M $8.200M $8.100M
YoY Change 7.67% -5.78% 0.0% 3.73% 23.31% -6.59% 15.56% 36.65% 6.76% 4.02% 19.88% -4.05% 8.13% 1.91% 0.64% 9.86% 17.36% -3.97% 3.28% 1.67% 2.56% 0.86% 10.48% 28.05% 1.23%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $2.292B $1.919B $1.904B $1.746B $1.639B $1.637B $1.296B $1.307B $1.281B $1.108B $932.3M $788.6M $791.6M $760.1M $734.4M $649.7M $604.1M $548.2M $539.5M $522.3M $523.6M $506.8M $480.4M $451.0M $439.2M $432.2M
YoY Change
Accounts Payable $15.12M $16.58M $19.70M $21.30M $16.50M $13.80M $12.20M $10.30M $9.900M $8.200M $6.900M $7.700M $7.100M $6.100M $5.400M $6.800M $5.100M $3.200M $3.900M $3.900M $3.900M $6.300M $3.900M $3.500M $4.600M $2.900M
YoY Change -8.79% -15.84% -7.51% 29.09% 19.57% 13.11% 18.45% 4.04% 20.73% 18.84% -10.39% 8.45% 16.39% 12.96% -20.59% 33.33% 59.38% -17.95% 0.0% 0.0% -38.1% 61.54% 11.43% -23.91% 58.62%
Accrued Expenses $6.261M $6.370M $6.500M $6.400M $5.400M
YoY Change -1.71% -2.0% 1.56% 18.52%
Deferred Revenue
YoY Change
Short-Term Debt $97.40M $71.46M $0.00 $4.200M $0.00 $17.00M $27.40M $16.60M $8.700M $13.80M $21.60M $21.70M $14.30M $2.200M $1.500M $15.40M
YoY Change 36.3% -100.0% -100.0% -37.96% 65.06% 90.8% -36.96% -36.11% -0.46% 51.75% 550.0% 46.67% -90.26%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $118.8M $22.95M $26.20M $27.70M $21.90M $13.80M $12.20M $10.30M $9.900M $8.200M $6.900M $7.700M $7.100M $6.100M $5.400M $6.800M $5.100M $3.200M $3.900M $3.900M $3.900M $6.300M $3.900M $3.500M $4.600M $2.900M
YoY Change 417.57% -12.41% -5.42% 26.48% 58.7% 13.11% 18.45% 4.04% 20.73% 18.84% -10.39% 8.45% 16.39% 12.96% -20.59% 33.33% 59.38% -17.95% 0.0% 0.0% -38.1% 61.54% 11.43% -23.91% 58.62%
Long-Term Debt $12.15M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $13.70M $21.40M $23.10M $25.00M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0% -35.98% -7.36% -7.6%
Other Long-Term Liabilities $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Total Long-Term Liabilities $12.15M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $13.70M $21.40M $23.10M $25.00M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0% -35.98% -7.36% -7.6%
Total Liabilities $2.056B $1.718B $1.665B $1.505B $1.411B $1.418B $1.145B $1.164B $1.140B $982.4M $813.5M $706.6M $713.6M $689.4M $668.8M $591.6M $547.5M $497.2M $487.5M $470.0M $471.2M $454.8M $430.9M $404.7M $396.6M $390.0M
YoY Change 19.66% 3.21% 10.62% 6.65% -0.47% 23.79% -1.59% 2.06% 16.08% 20.76% 15.13% -0.98% 3.51% 3.08% 13.05% 8.05% 10.12% 1.99% 3.72% -0.25% 3.61% 5.55% 6.47% 2.04% 1.69%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $237.9 Million

About LCNB CORP

LCNB Corp. is a financial holding company, which offers commercial and personal banking services. The company is headquartered in Lebanon, Ohio and currently employs 345 full-time employees. The firm operates, through its wholly owned subsidiary, LCNB National Bank (the Bank), which serves customers and communities in Southwest and South-Central Ohio and Northern Kentucky. The Bank operates over 36 full-service banking offices in Ohio and one branch office in Northern Kentucky. The Bank operates in convenient banking locations in Butler, Clermont, Clinton, Fayette, Franklin, Hamilton, Montgomery, Preble, Ross, and Warren Counties, Ohio. The Bank also provides community-oriented banking services to customers in Northern Kentucky through a bank office in Boone County, Kentucky. The company provides an array of services for all personal and business banking needs, including checking, savings, online banking, personal lending, business lending, agricultural lending, business support, deposit and treasury, investment services, trust and IRAs and stock purchases. Its other services include safe deposit boxes, night depositories, and others.

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