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
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-23
Recent news sentiment (30D)
+22.8
Positive
Company
-
Unavailable
Macro
+22.8
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+77.4
Score
AI commentary
Post-earnings news tone is positive because the company reported record Q2 profitability and secondary coverage identified an EPS and revenue beat [#PR-EARNINGS-2026-07-16]. However, the packet does not provide a reliable post-print price reaction or fresh analyst target and estimate revisions; social coverage is absent. The evidence supports a tentative positive monitoring stance rather than a high-conviction rerating thesis.
RankAlpha Sentiment Codex - 2026-07-23
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-16eventQ2 earnings beat with record core-bank profitabilityMedium impact
LCNB reported record second-quarter results: EPS of $0.53, record net interest income of $19.8 million, net interest margin of 3.99%, and net income of $7.5 million. The release also cited disciplined expenses and continued wealth-management growth [#PR-EARNINGS-2026-07-16] [#SEC-8K-2026-07-15].
2026-09-30catalystCredit costs and funding growth remain execution risksMedium impact
Although Q2 asset quality remained strong, provision for credit losses increased year over year to $276 thousand from $18 thousand. Earlier filing evidence also showed pressure from deposit runoff and declining average loan balances, leaving credit costs, funding mix, and loan growth as key monitoring points [#PR-EARNINGS-2026-07-16] [#SEC-10Q-2026-05-06].
2026-12-31catalystMargin, wealth-management, and tangible-book-value momentumHigh impact
Management cited ongoing NIM expansion, approximately $123 million of new loan originations, record wealth-management assets of $1.7 billion, and recovery of tangible-book-value dilution from the Cincinnati Federal acquisition during the first half of 2026 [#PR-EARNINGS-2026-07-16].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-23 • Updated nightlySource: Internal modelMethodology