Overview

* LCNB Q3 2025 EPS rises 58.1% yr/yr to $0.49 per share

* Net interest margin expands to 3.57% from 2.84% in Q3 2024

* LCNB Q3 2025 net income rises to $6.9 mln from $4.5 mln yr/yr

Outlook

* LCNB ( LCNB ) expects loan growth to resume in the first half of 2026

* Company focuses on investing in platform, talent, and capabilities for sustainable growth

Result Drivers

* BALANCE SHEET STRATEGY - LCNB ( LCNB ) reduced higher cost certificates of deposit and saw payoffs of low-rate loans and securities, expanding net interest margin by 73 basis points

* EFFICIENCY IMPROVEMENT - Controlled non-interest expense drove improvement in efficiency ratio, contributing to strong net income

* FIDUCIARY INCOME GROWTH - Record assets in LCNB Wealth led to a 23.4% yr/yr increase in fiduciary income

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS $0.49

Q3 Net $6.93

Income mln

Q3 Net $18.12

Interest mln

Income

Q3 Basic $0.49

EPS

Q3 $8.47

Pretax mln

Profit

Analyst Coverage

* The current average analyst rating on the shares is "hold" and the breakdown of recommendations is no "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy."

* Wall Street's median 12-month price target for LCNB Corp ( LCNB ) is $16.75, about 12.1% above its October 21 closing price of $14.72

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)