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Lcnb (LCNB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Lcnb (LCNB) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $25.0M · 29¢ of every $1 of revenue kept as net profit · operating margin 35.9%
Lcnb made $25.0M in Q3 2026 (+5% Y/Y): Net interest income $19.7M, Noninterest income $5.3M. Operating margin 35.9%, net earnings $7.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $25.0M in Q3 2026, up 5% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 79% of revenue. Net interest income added $1.6M year over year (up 9%), 131% of the total change. Noninterest income declined 6%.
Operating profit was $9.0M, a 35.9% margin (up 0.3 points year over year). Of the extra revenue versus a year earlier, 42% reached operating profit, above the 36% margin then. Total costs grew 4% against revenue growth of 5%. The fastest-growing cost line was Credit loss provision (+115%). Net earnings were $7.3M, up 5% year over year. The effective tax rate was 18.6%.
Operating cash flow was $10.9M (down 22% year over year), 149% of net earnings. Non-cash charges added back $658K of depreciation and amortization. Working capital and other items added $2.9M. Capital expenditures of $682K left free cash flow of $10.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $25.0M | +5% | 35.9% | $7.3M | $10.9M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Lcnb
Certain statements made in this document regarding LCNB’s financial condition, results of operations, plans, objectives, future performance and business, are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. These forward-looking statements are identified by the fact they are not historical facts and include words such as “anticipate”, “could”, “may”, “feel”, “expect”, “believe”, “might”, “plan”, and similar expressions.
In its own words, from its 10-K, filed Mar 11, 2026.
Lcnb against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +6%. Operating margin: 35.9% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| LCNB Lcnb | Q3 2026 | $25.0M | +5% | 35.9% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Lcnb 10-Q on SEC EDGAR · CIK 1074902 · National Commercial Banks
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History
Every quarter: Q3 2026 results