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Lcnb cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$10.2M in Q3 2026 · $32.8M over twelve months

Operating cash flow$10.9M
Capital spending−$682K
Free cash flow+$10.2M
Cash / net income1.5×

Analysis

In Q3 2026, Lcnb generated $10.9M of operating cash flow and spent $682K on capital projects, leaving free cash flow of $10.2M. That is $3.5M less than in Q3 2025 ($13.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $35.5M; the largest uses were net borrowing (+) / repaid (−) ($34.7M), dividends ($12.5M), other investing ($9.5M); besides operations, cash came from other financing ($57.8M), shares issued ($554K); the cash balance rose by $34.4M.

Operating cash flow was $10.9M against net income of $7.3M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$1.1M, other liabilities +$1.0M, depreciation & amortization +$658K.

Free cash flow

Lcnb: free cash flow by quarterLcnb: free cash flow by quarter$38.0MQ4 2024$2.1MQ1 2025$5.2MQ2 2025$13.7MQ3 2025$12.4MQ4 2025$2.8MQ1 2026$7.4MQ2 2026$10.2MQ3 2026
Operating cash flow less capital spending.
Lcnb: operating cash flow against capital spendingLcnb: operating cash flow against capital spendingOperating cash flowCapital spending$38.4M$375KQ4 2024$2.2M$70KQ1 2025$5.5M$235KQ2 2025$14.0M$309KQ3 2025$12.7M$345KQ4 2025$3.1M$335KQ1 2026$8.8M$1.4MQ2 2026$10.9M$682KQ3 2026
Latest (Q3 2026): Operating cash flow $10.9M, Capital spending $682K.

Capital allocation, year by year

Lcnb: where the cash came from (up) and went (down), by fiscal yearLcnb: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $17.8MFY2021: Net borrowing −$12.0MFY2021: Shares issued $438KFY2021: Asset sales $6KFY2021: Capital spending −$1.9MFY2021: Buybacks −$8.3MFY2021: Dividends −$9.7M$18.3MFY2021FY2022: Operating cash flow $25.2MFY2022: Net borrowing $80.5MFY2022: Shares issued $408KFY2022: Asset sales $875KFY2022: Capital spending −$884KFY2022: Buybacks −$23.7MFY2022: Dividends −$9.2M$107MFY2022FY2023: Operating cash flow $20.7MFY2023: Net borrowing $58.0MFY2023: Shares issued $428KFY2023: Asset sales $654KFY2023: Capital spending −$2.6MFY2023: Acquisitions $1.9MFY2023: Buybacks −$3.3MFY2023: Dividends −$9.9M$81.7MFY2023FY2024: Operating cash flow $93.2MFY2024: Net borrowing −$68.4MFY2024: Shares issued $525KFY2024: Asset sales $848KFY2024: Capital spending −$3.8MFY2024: Acquisitions −$2.1MFY2024: Dividends −$12.2M$94.6MFY2024FY2025: Operating cash flow $34.4MFY2025: Net borrowing −$50.7MFY2025: Shares issued $625KFY2025: Asset sales $13KFY2025: Capital spending −$959KFY2025: Dividends −$12.5M$35.0MFY2025
Over these 5 years operating cash flow totalled $191M; the largest uses were net borrowing ($131M) and dividends ($53.5M). Cash-flow statements as filed.

Where the cash came from and went

Lcnb: sources (+) and uses (−) of cash, Q3 2026Lcnb: sources (+) and uses (−) of cash, Q3 2026Other financing$87.7MCash drawn (+) / kept (−)−$45.4MNet borrowing (+) / repaid (−)−$33.8MOther investing−$15.7MOperating cash flow$10.9MDividends−$3.1MCapital spending−$682KShares issued$154K
Lcnb: sources (+) and uses (−) of cash, TTM to Q3 2026Lcnb: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$57.8MOperating cash flow$35.5MNet borrowing (+) / repaid (−)−$34.7MCash drawn (+) / kept (−)−$34.4MDividends−$12.5MOther investing−$9.5MCapital spending−$2.7MShares issued$554K

From profit to cash

Lcnb: net income to operating cash flow, Q3 2026Lcnb: net income to operating cash flow, Q3 2026Net income$7.3MDepreciation & amortization$658KDeferred taxes$383KPrepaid and other assets$1.1MOther liabilities$1.0MOperating cash flow$10.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$10.9M−$682K−$3.1M−$33.8M$154K−$45.4M$10.2M
Q2 2026$8.8M−$1.4M−$3.1M−$297K$138K$4.3M$7.4M
Q1 2026$3.1M−$335K−$3.1M−$295K$142K−$7.6M$2.8M
Q4 2025$12.7M−$345K−$3.1M−$289K$120K$14.3M$12.4M
Q3 2025$14.0M−$309K−$3.2M−$283K$174K$13.9M$13.7M
Q2 2025$5.5M−$235K−$3.1M$363K$183K−$12.1M$5.2M
Q1 2025$2.2M−$70K−$3.1M−$50.5M$148K−$1.9M$2.1M
Q4 2024$38.4M−$375K−$3.2M−$509K$134K$3.6M$38.0M

Lcnb: income statement and cash flow

Lcnb, Q3 2026: revenue $25.0M (+5% year over year), operating margin 35.9%. The chart follows the revenue to costs, profit and cash.

Lcnb: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.