Filing Flows › Lcnb (LCNB) › Q3 2026 › vs Q3 2025
Lcnb (LCNB) Q3 2026 vs Q3 2025 (year over year)
Lcnb's revenue rose $1.2M (+5%) from $23.8M in Q3 2025 to $25.0M in Q3 2026. The biggest changes: Net interest income +$1.6M (+9%); Noninterest income −$363K (-6%). Operating margin 35.9% against 35.6% (+0.3 pts).
Lcnb, Q3 2026: revenue $25.0M (+5% year over year), operating margin 35.9%, net earnings $7.3M, operating cash flow $10.9M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 35.9% | 35.6% | +0.3 pts |
| Net margin | 29.2% | 29.1% | +0.1 pts |
| Free cash flow margin | 40.8% | 57.4% | -16.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $19.7M | $18.1M | $1.6M | +9% |
| Noninterest income | $5.3M | $5.7M | −$363K | -6% |
| Revenue | $25.0M | $23.8M | $1.2M | +5% |
| Operating profit | $9.0M | $8.5M | $504K | +6% |
| Costs & expenses | $16.0M | $15.4M | $686K | +4% |
| Pre-tax earnings | $9.0M | $8.5M | $504K | +6% |
| Credit loss provision | $453K | $211K | $242K | +115% |
| Noninterest expense | $15.6M | $15.1M | $444K | +3% |
| Net earnings | $7.3M | $6.9M | $373K | +5% |
| Income tax | $1.7M | $1.5M | $131K | +9% |
| Depreciation & amortization | $658K | $1.8M | −$1.1M | -63% |
| Working capital & other | $2.9M | $5.3M | −$2.3M | -44% |
| Operating cash flow | $10.9M | $14.0M | −$3.1M | -22% |
| Free cash flow (OCF − capex) | $10.2M | $13.7M | −$3.5M | -25% |
| Capital expenditures | $682K | $309K | $373K | +121% |
Questions
How much did Lcnb's revenue grow year over year in Q3 2026?
Lcnb's revenue rose $1.2M (+5%) from $23.8M in Q3 2025 to $25.0M in Q3 2026.
What drove Lcnb's revenue change in Q3 2026?
Net interest income +$1.6M (+9%); Noninterest income −$363K (-6%).