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LCNB ( (LCNB) ) has provided an update.
On January 29, 2026, LCNB Corp. reported its financial results for the three and twelve months ended December 31, 2025, highlighting record annual net income of $23.1 million, a 1.02% return on average assets and a 13.6% year-over-year increase in tangible book value per share to $12.45, driven by stronger earnings and improved unrealized losses on its available-for-sale securities portfolio. The bank’s net interest income and margins expanded meaningfully year over year, while LCNB Wealth Management assets rose 12.9% to a record $1.56 billion, producing record fiduciary income of $9.5 million, even as total assets and deposits declined modestly due to strategic runoff of higher-cost funding. Asset quality metrics remained solid, with nonperforming loans falling to 0.14% of total loans and full-year net charge-offs at just 0.02% of average loans, although fourth-quarter earnings were tempered by a higher provision for credit losses tied largely to a fully reserved logistics loan. Shareholders’ equity and tangible shareholders’ equity increased significantly on the back of higher retained earnings and portfolio valuation improvements, and the company maintained a steady dividend payout of $0.88 per share for 2025 as it emphasized disciplined growth in lending, wealth management and credit quality going into 2026.
The most recent analyst rating on (LCNB) stock is a Buy with a $19.00 price target. To see the full list of analyst forecasts on LCNB stock, see the LCNB Stock Forecast page.
Spark’s Take on LCNB Stock
According to Spark, TipRanks’ AI Analyst, LCNB is a Outperform.
LCNB’s overall stock score is driven by strong corporate events and positive technical analysis, supported by attractive valuation metrics. While financial performance shows stability, challenges in revenue growth and profitability need addressing. The absence of earnings call data does not impact the score significantly due to the strength of other components.
To see Spark’s full report on LCNB stock, click here.
More about LCNB
LCNB Corp., headquartered in Lebanon, Ohio, is a community banking organization that operates LCNB National Bank and offers traditional banking services alongside a growing wealth management franchise. The company focuses on net interest income from loans and deposits, fiduciary and investment services through LCNB Wealth Management, and serves retail, commercial, and wealth clients in its regional markets.
Average Trading Volume: 24,071
Technical Sentiment Signal: Strong Buy
Current Market Cap: $241.3M
See more insights into LCNB stock on TipRanks’ Stock Analysis page.