LCNB Corporation — Earnings Quality Grade F
LCNB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 32 days, change -7 days YoY
AR growth -8.4% vs revenue growth 13.3%
Revenue grew 13.3% but CFFO declined -63.1%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -74.7% vs revenue 13.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.49. Profits backed by cash
FCF $0.0B, FCF/NI = 1.45
Accruals ratio = -0.5%. Low accruals
Cash $0.0B covers only 22% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 36% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -2% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
LCNB Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25