Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
LCNB Corp.'s quarterly P/E stands at 10.2x, up 16.5% year-over-year — indicating the stock has re-rated higher or earnings have softened.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.55 | 10.24 | 7.65 | 8.65 | 11.20 | 8.80 | 11.77 | 53.09 | 26.57 | — | 9.64 | 8.79 | 11.04 |
| — | +16.5% | -35.0% | -83.7% | -57.8% | — | +22.1% | +504.3% | +140.6% | — | +19.2% | +15.2% | -4.4% | |
| P/S Ratio | 1.97 | 1.88 | 1.65 | 1.64 | 1.70 | 1.62 | 1.62 | 1.57 | 1.82 | 1.82 | 1.69 | 1.83 | 2.13 |
| — | +15.7% | +1.9% | +4.4% | -6.6% | -10.8% | -4.4% | -13.9% | -14.3% | -27.9% | -23.2% | -15.0% | -23.5% | |
| P/B Ratio | 0.88 | 0.84 | 0.78 | 0.78 | 0.80 | 0.84 | 0.84 | 0.80 | 0.89 | 0.83 | 0.78 | 0.81 | 0.90 |
| — | +0.0% | -6.7% | -2.4% | -10.2% | +1.7% | +7.3% | -1.3% | -0.2% | -17.5% | -14.6% | -3.4% | -10.7% | |
| P/FCF | 7.32 | 4.67 | 3.87 | 9.78 | 24.26 | 1.34 | 5.43 | 0.93 | — | 6.45 | 8.53 | 10.21 | 24.01 |
| — | +248.1% | -28.8% | +956.0% | — | -79.2% | -36.4% | -90.9% | — | -16.0% | +28.5% | +56.7% | +110.2% | |
| EV / EBITDA | 12.24 | 11.89 | 6.99 | 12.21 | 11.67 | 11.59 | 14.69 | 96.81 | 32.76 | 1431.78 | 11.20 | 10.48 | 10.94 |
| — | +2.6% | -52.4% | -87.4% | -64.4% | -99.2% | +31.2% | +824.0% | +199.3% | +17225.8% | +82.7% | +82.6% | +19.6% | |
| EV / EBIT | 12.24 | 11.89 | 8.46 | 9.23 | 12.73 | 11.35 | 15.71 | 87.07 | 39.83 | — | 13.10 | 11.99 | 12.50 |
| — | +4.7% | -46.2% | -89.4% | -68.0% | — | +19.9% | +626.4% | +218.6% | — | +94.4% | +88.8% | +19.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
LCNB Corp.'s operating margin was 22.6% in Q4 2025, down 3.9 pp QoQ and down 0.1 pp YoY. Gross margin expanded 8.2% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 72.3% | 72.6% | 73.8% | 73.0% | 69.8% | 67.1% | 63.2% | 60.5% | 61.7% | 59.5% | 74.3% | 79.6% | 81.8% |
| — | +8.2% | +16.8% | +20.8% | +13.2% | +12.8% | -15.0% | -24.1% | -24.5% | -35.8% | -21.5% | -14.2% | -13.9% | |
| Operating Margin | 22.7% | 22.6% | 26.5% | 23.1% | 18.1% | 22.7% | 16.2% | 3.0% | 7.8% | -2.0% | 21.6% | 25.6% | 23.5% |
| — | -0.4% | +62.9% | +659.7% | +132.6% | +1249.5% | -24.7% | -88.1% | -67.0% | -105.1% | -35.9% | -26.3% | -19.8% | |
| Net Margin | 18.6% | 18.4% | 21.7% | 19.0% | 15.1% | 18.6% | 13.8% | 3.0% | 6.7% | -1.1% | 17.5% | 21.0% | 19.3% |
| — | -1.3% | +56.9% | +537.0% | +126.1% | +1802.7% | -21.1% | -85.8% | -65.5% | -103.4% | -36.3% | -26.2% | -20.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.8% | 2.1% | 2.6% | 2.3% | 1.8% | 2.4% | 1.8% | 0.4% | 0.8% | -0.1% | 2.0% | 2.3% | 2.1% |
| — | -14.0% | +43.0% | +486.9% | +120.6% | +1901.5% | -9.8% | -83.3% | -60.2% | -104.1% | -28.0% | -15.7% | +1.2% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.0% | 0.1% | -0.0% | 0.2% | 0.2% | 0.2% |
| — | -4.1% | +58.6% | +546.9% | +138.9% | +2019.7% | -7.2% | -83.6% | -61.3% | -104.1% | -29.2% | -17.8% | -9.0% | |
| ROIC | 5.2% | 1.3% | 1.7% | 1.5% | 1.1% | 1.3% | 1.0% | 0.2% | 0.4% | -0.1% | 1.1% | 1.3% | 1.3% |
| — | +0.0% | +74.2% | +746.8% | +173.1% | +1464.2% | -11.6% | -87.1% | -69.2% | -104.5% | -50.0% | -37.0% | -23.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
LCNB Corp.'s Debt/EBITDA ratio is 17.0x, up from 10.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 625.9% YoY to 0.55x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.41 | 0.42 | 0.43 | 0.64 | 0.64 | 0.69 | 0.77 | 0.92 | 0.74 | 0.68 | 0.50 |
| — | -32.3% | -35.3% | -38.4% | -43.9% | -30.8% | -13.6% | +1.6% | +53.3% | +90.3% | +317.2% | +278.9% | +151.3% | |
| Debt / EBITDA | 4.20 | 16.98 | 10.88 | 20.45 | 18.43 | 22.06 | 28.39 | 198.40 | 66.01 | 3335.06 | 25.37 | 20.93 | 17.63 |
| — | -23.0% | -61.7% | -89.7% | -72.1% | -99.3% | +11.9% | +847.9% | +274.4% | +28585.1% | +449.8% | +337.8% | +168.1% | |
| Current Ratio | 0.55 | 0.55 | 0.08 | 0.16 | 0.07 | 0.08 | 0.16 | 0.16 | 0.16 | 0.17 | 0.20 | 0.18 | 0.20 |
| — | +625.9% | -53.4% | +3.3% | -55.0% | -54.8% | -17.2% | -13.9% | -17.0% | -10.6% | +0.6% | -9.9% | +2.4% | |
| Quick Ratio | 0.55 | 0.55 | 0.08 | 0.16 | 0.07 | 0.08 | 0.16 | 0.16 | 0.16 | 0.17 | 0.20 | 0.18 | 0.20 |
| — | +625.9% | -53.4% | +3.3% | -55.0% | -54.8% | -17.2% | -13.9% | -17.0% | -10.6% | +0.6% | -9.9% | +2.4% | |
| Interest Coverage | 0.87 | 1.00 | 1.04 | 0.86 | 0.61 | 0.73 | 0.47 | 0.08 | 0.21 | -0.06 | 0.82 | 1.26 | 1.27 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying LCNB stock.
LCNB Corp.'s current P/E is 10.5x. The average P/E over the last 4 quarters is 9.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
LCNB Corp.'s current operating margin is 22.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking LCNB Corp.'s business trajectory between earnings reports.