LCNB 8-K SEC Filing Analysis

Latest settled — T+20d

LCNB ▲ +1.93% at T+20d

SHORT call ✗ call lost -1.93% · α vs SPY +2.70% · entry $16.06 → $16.37

Next anchor: T+60d in 5w

Last close $16.76 (close Jun 8) · -4.36% from $16.06 entry (call sign-flipped)

Entry anchored
Apr 22, 03:59 PM ET
via Databento tick

T+1d

+1.74%

call -1.74% · α -0.96%

$16.34

settled 7w ago

T+5d

+1.00%

call -1.00% · α +0.48%

$16.22

settled 6w ago

T+20d

+1.93%

call -1.93% · α +2.70%

$16.37

settled 21d ago

T+60d

—

call — · α —

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Executive Summary

LCNB reported Q1 2026 earnings with diluted EPS of $0.31, missing consensus of $0.35, driven by a significant $2.3 million provision for credit losses related to logistics sector loans. Despite record net interest income and improved asset quality, the earnings miss and elevated charge-offs create near-term headwinds.

Actionable Insight

The stock is likely to react negatively to the earnings miss and the substantial increase in credit loss provisions, particularly related to the logistics sector. Monitor the next quarter's loan quality metrics and credit costs for signs of stabilization.

Key Facts

Q1 2026 diluted EPS was $0.31, missing consensus of $0.35
Net income was $4.44 million, down from $4.61 million YoY
Provision for credit losses was $2.34 million, a significant increase from $197,000 YoY
Net charge-offs were $2.73 million, a sharp rise from $39,000 YoY
Net interest margin improved to 3.83% from 3.25% YoY

Financial Impact

Earnings miss of $0.04 per share and a $2.1 million increase in provision for credit losses

epsnet_incomeprovision_for_credit_lossesnet_charge-offs

Risk Factors

Increased credit risk in the logistics sector
Elevated provision for credit losses could persist
Potential for further loan charge-offs

Market Snapshot

Exchange

Nasdaq

Sector

National Commercial Banks

Documents Analyzed

This report is based on 7 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0001437749-26-013032
Exhibit: ex_933414.htm	0001437749-26-013032
Document: lcnb20260316_8k.htm	0001437749-26-013032
Document: 0001437749-26-013032-index-headers.html	0001437749-26-013032
Document: 0001437749-26-013032-index.html	0001437749-26-013032
Document: 0001437749-26-013032.txt	0001437749-26-013032
8-K Data (Synthetic)	0001437749-26-013032

US Market Status

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