RankAlpha logo
Back to Rankings

LCNB

LCNBB
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
The EPS and revenue beats, stronger year-over-year margin, and 7.2% growth in tangible book value per share suggest improved earnings capacity. Management also reported 12.7% year-over-year growth in nine-month fiduciary income.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.1.
What can break
Excluding a $50 million public-funds deposit, year-over-year deposits declined approximately 0.9%.
Momentum
59
Value
59
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $20.00 · Bull $23.00 · Bear $16.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $20.83
Why
Momentum59 · Δ7d -
Value59 · Δ7d -0.1
Sentiment56 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.1.

Contradictions & invalidation

  • • Excluding a $50 million public-funds deposit, year-over-year deposits declined approximately 0.9%.
  • • Nine-month net charge-offs and nonperforming loans rose year over year; additional commercial-credit deterioration could require higher provisions.
  • • Higher year-to-date charge-offs, weaker non-interest income, deposit growth dependent on a large public-funds balance, and the cost of new subordinated debt could dilute the margin-led improvement.

Catalyst clock

2026-11-15

Q3 earnings beat meets a measured market response

Lead driver: Value · See fundamentals
Momentum
59
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
59
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.7
Sentiment
56
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 59.2 / Value 59.1 / Sentiment 56.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$20.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$16.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$282.53M
Beta
0.58
Shares Out
14.26M
P/E (TTM)
9.8
P/S (TTM)
2.55
P/FCF (TTM)
4.81
Rev YoY
+1.6%
EPS YoY
+25.9%
Gross Margin
-
Op Margin
+24.0%
Net Debt
$92.95M
Current Ratio
0.02
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data