Financial firm LCNB Q3 profit up 58.1% helped by higher interest margin

LCNB

22/10/2025 21:48

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 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 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/Miss
Actual
Consensus Estimate
Q3 EPS
$0.49
Q3 Net Income
$6.93 mln
Q3 Net Interest Income
$18.12 mln
Q3 Basic EPS
$0.49
Q3 Pretax Profit
$8.47 mln


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 is $16.75, about 12.1% above its October 21 closing price of $14.72

Press Release: ID:nBw1gNkv8a

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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.)