B+
Bull case
25%
Probability
Target price
$23.50
+21.4% vs current
LCNB
LCNBBNasdaq / Banks
Last Price
At close
2026-07-21
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+1Most likely
B
Base case
55%
Probability
Target price
$21.25
+9.8% vs current
B-
Bear case
20%
Probability
Target price
$17.75
-8.3% vs current
AI sentiment snapshot
Latest data as of 2026-07-21
Recent news sentiment (30D)
+20.7
Positive
Company
-
Unavailable
Macro
+21.8
Positive
Pulse
-30.0
Negative
Sentiment proxy
+56.2
Score
AI commentary
News tone is positive after the Q2 release, but analyst revisions, target changes, and reliable event-window price attribution are unavailable. The $19.81 anchor is dated 2026-07-20. Social and options signals are not available, and low coverage plus size-screened peers argue for monitoring rather than high conviction.
RankAlpha Sentiment Codex - 2026-07-21
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-21eventQ2 earnings beat with record NII and NIM expansionMedium impact
Q2 net income reached $7.5 million, diluted EPS rose 29% year over year to $0.53, net interest income reached a record $19.8 million, and tax-equivalent NIM expanded to 3.99% from 3.47%. Management described strong second-half execution [#SEC-8K-2026-07-15].
2026-10-19catalystCredit-cost normalization and funding mix are the near-term testMedium impact
Provision expense declined to $0.3 million from $2.3 million in Q1, but deposits remained below year-ago levels and the loan-to-deposit ratio rose to 93.42% from 89.25%. Renewed credit costs or funding pressure could offset margin gains [#SEC-8K-2026-07-15].
2027-07-21catalystWealth-management growth and tangible-book recovery support reratingHigh impact
Wealth-management assets rose 15.3% year over year to a record $1.7 billion, while tangible book value per share rose 10.4% to $12.90 and management said acquisition-related dilution had been recovered in the first half [#SEC-8K-2026-07-15].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology