Filing Flows › Lcnb (LCNB) › Q3 2026
Lcnb (LCNB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Lcnb (LCNB) reported revenue of $25.0M for the third quarter 2026 (Q3 2026), +5% from a year earlier and -0.5% from the quarter before. Operating margin was 35.9%, net earnings $7.3M (29.2% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $25.0M | -0.5% | +5% |
| Operating profit | $9.0M | -2% | +6% |
| Net earnings | $7.3M | -2% | +5% |
| Operating cash flow | $10.9M | +24% | -22% |
| Free cash flow | $10.2M | +38% | -25% |
What changed
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.
Questions
What was Lcnb's revenue in the third quarter 2026?
Lcnb (LCNB) reported revenue of $25.0M for the third quarter 2026 (Q3 2026), +5% from a year earlier and -0.5% from the quarter before.
Was Lcnb profitable in the third quarter 2026?
Operating profit was $9.0M (35.9% of revenue) and net earnings $7.3M.
Source: Lcnb 10-Q on SEC EDGAR.