LCNB Corp. (LCNB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$19.53+2.25%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · LCNB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue disciplined growth including measured loan growth, strength in wealth management, and stable asset quality.
Stated as a priority in 2 of last 2 quarters. Net income increased from $4.4M in 2026-Q1 to $7.5M in 2026-Q2, with LCNB Wealth Management assets growing 12.5% and 15.3% year-over-year in Q1 and Q2 respectively. Management is delivering on disciplined growth with improving profitability and wealth management expansion.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We remain focused on disciplined growth, including measured loan growth, continued strength in wealth management, and stable asset quality.”
“We remain focused on disciplined growth and investing in our physical and digital infrastructure to enhance the customer experience.”
Sustain strong profitability through net interest margin expansion and expense discipline.
Stated in 2 of last 2 quarters. Net interest margin expanded from 3.83% in 2026-Q1 to 3.99% in 2026-Q2, with operating income rising from $5.3M to $9.2M. Management's focus on profitability and expense discipline is reflected in improving margins and income, indicating delivery on this priority.
“We ended the quarter with continued net interest margin expansion, disciplined expense management, and solid year-over-year growth.”
“LCNB achieved another solid quarter of higher core profitability and book value growth, highlighted by net interest margin expansion and disciplined expense management.”
Grow wealth management assets and fiduciary income as a key component of multi-year growth strategy.
Stated in 2 of last 2 quarters. Wealth Management assets grew from $1.57B in 2026-Q1 to $1.7B in 2026-Q2, with fiduciary income rising from $2.5M to $2.7M. This reflects management's delivery on expanding this strategic growth component.
“LCNB Wealth Management assets increased 15.3% year-over-year to a record $1.7 billion at June 30, 2026.”
“LCNB Wealth Management assets increased 12.5% year-over-year to a record $1.57 billion at March 31, 2026.”
Maintain consistent dividend payments to shareholders as part of capital allocation strategy.
Stated in 2 of last 2 quarters. Dividend per share remained stable at $0.22 in both 2026-Q1 and 2026-Q2, consistent with management's commitment to stable shareholder returns.
“For the three months ended June 30, 2026, LCNB paid $0.22 per share in dividends.”
“For the three months ended March 31, 2026, LCNB paid $0.22 per share in dividends.”
Over the trailing year it converted 0.37x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
5 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.