earnings
confidence high
sentiment positive
materiality 0.70
LCNB Q1 EPS $0.33 (up 120% YoY); NIM expands to 3.25%
LCNB CORP
2025-Q1 EPS reported
$0.33
- GAAP diluted EPS $0.33, up 120% from $0.15 YoY; net income $4.6M vs $1.9M.
- Net interest margin 3.25%, highest in 7 quarters; net interest income $16.3M vs $13.9M.
- Non-interest income $5.2M, +32.9% YoY, driven by loan sales and fiduciary income.
- Asset quality stable: NPA/TA 0.21%; provision $197k, charge-offs $39k.
- Book value per share $18.26, tangible book $11.34; dividend $0.22/share.