LCNB (LCNB)
Provides lending, deposits, and wealth services across Ohio and Northern Kentucky.
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Provides deposits, treasury services, lending, mortgages, and wealth management through LCNB National Bank in southwestern and south-central Ohio and Northern Kentucky. A banking-focused model ties results to loan and deposit competition, interest rates, regulation, technology security, and recent acquisition integration.
Operates through LCNB National Bank, a community-bank franchise offering deposits, treasury and cash-management services, commercial and consumer lending, mortgages, home-equity lending, wealth management, trust and fiduciary services, and brokerage access through LPL Financial.
Serves southwestern and south-central Ohio plus Northern Kentucky through branches and digital banking. Recent Cincinnati-area acquisitions extended the footprint and made integration part of the current operating work.
The model depends on local loan and deposit demand, interest-rate spreads, credit quality, banking regulation, technology and data security, and competition from banks, credit unions, fintech firms, mortgage providers, brokerages, insurers, and other financial intermediaries.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
No analyst notes in the last 24 months.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $234.9M · Total debt $103.8M · Total assets $2.22B · Shareholders' equity $280.6M
- Revenue
- $31.7M
- Operating income
- $9.7M
- Net income
- $7.5M
HistoryDividendAnnual yield
| Institutions | ≈ 50.65% | 7.22M shares | |
|---|---|---|---|
| 109 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 8.64% | 1.23M shares | |
| 21 holders · as of Aug 28, 2026 | |||
| Other | ≈ 40.71% | 5.80M shares | |
| remainder | |||
14.25M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
SNS Financial Group, LLCInstitution | 7.63% | 1.09M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 6.73% | 959,927 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.85% | 549,013 | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 3.85% | 548,355 | as of Jun 30, 2026 |
Ritter Daniher Financial Advisory LLC / deInstitution | 3.82% | 543,927 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 27, 2026 | Eric J. Meilstrup | director, officer: CEO | +400 | $19.34 |
| Aug 17, 2026 | Robert C. II Haines | officer: President | +500 | $19.75 |
| May 28, 2026 | Eric J. Meilstrup | director, officer: CEO | +400 | $16.95 |
| May 15, 2026 | Robert C. II Haines | officer: President | +500 | $15.78 |
| Feb 4, 2026 | Michael Robert Miller | officer: Executive Vice President | −2,759 | $17.75 |
- First Financial Bancorp
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Cincinnati super-regional pressure across deposits, lending, and wealth
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- Civista Bancshares
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- Park National
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- WesBanco
Ohio/Kentucky regional bank competing in banking, trust, and mortgage
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| LCNB | $18.40 | −2.90% | $270.0M | 11.0 | 10.0 | 2.2 | +10.3% |
| First Financial Bancorp | $31.34 | +0.02% | $3.29B | 11.1 | 9.8 | 2.5 | +16.7% |
| Fifth Third | $52.14 | −1.18% | $47.82B | 18.0 | 12.0 | 3.2 | +45.2% |
| Huntington Bancshares | $15.50 | −1.21% | $31.70B | 11.7 | 9.3 | 2.2 | +47.4% |
| Stock Yards Bancorp | $77.55 | −0.75% | $2.31B | 15.6 | 14.4 | 4.1 | +17.2% |
| Civista Bancshares | $26.71 | −1.20% | $561.8M | 10.0 | 9.5 | 2.5 | +15.0% |
| German American Bancorp | $48.76 | −0.46% | $1.84B | 12.9 | 12.2 | 3.7 | +12.7% |
| Park National | $180.94 | −0.40% | $3.29B | 16.2 | 13.6 | 5.4 | +24.7% |
| WesBanco | $38.26 | −0.59% | $3.69B | 10.9 | 10.5 | 2.4 | +6.3% |
| Median | 12.3 | 11.3 | 2.9 | +17.0% |