B+
Bull case
25%
Probability
Target price
$23.50
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
LCNB
LCNBBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
The Q2 print materially improved the operating narrative: NIM expanded to 3.99%, net interest income rose to a record $19.8 million, EPS increased 29% year over year, wealth-management assets reached $1.7 billion, and tangible book value per share rose 10.4% [#PR-EARNINGS-2026-07-16].
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Deposit runoff, funding costs, and declining average loan balances could constrain balance-sheet growth [#SEC-10Q-2026-05-06].
Momentum
59
Value
59
Sentiment
71
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $21.25 · Bull $23.50 · Bear $17.75Analysis 2026-07-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-23 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-11
Investment thesis
As of 2026-09-11
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $21.25
Why
Momentum59 · Δ7d -
Value59 · Δ7d -9.5
Sentiment71 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite.
Contradictions & invalidation
- • Deposit runoff, funding costs, and declining average loan balances could constrain balance-sheet growth [#SEC-10Q-2026-05-06].
- • Higher credit-loss provisions could reverse part of the Q2 earnings improvement, particularly after the Q1 logistics-loan charge [#SEC-8K-2026-04-22] [#SEC-10Q-2026-05-06].
- • The company remains a small, thinly covered regional bank.
Catalyst clock
2026-07-16
Q2 earnings beat with record core-bank profitability
Lead driver: Sentiment · See AI snapshot
Momentum
59
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
59
28% active weight
Current posture
7d trendSoftening
Δ7d
-9.5
Δ21d
-0.1
Sentiment
71
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 59.2 / Value 59.4 / Sentiment 71.1
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-23. Scenario method
Most likely
B
Base case
55%
Probability
Target price
$21.25
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$17.75
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$283.53M
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 2026-09-11 • Updated nightlySource: Internal modelMethods & Data