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Stock Ratings / Financials / LCNB / earnings
VABK (72) HWBK (67) FXNC (65) OVLY (66) ⌘ Pro Terminal →

LCNB Corporation (LCNB) Next Earnings Date & Expected ±5.6% Move

$20.00 +1.42% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $20.01

LCNB Corporation (LCNB) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $281.1M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LCNB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LCNB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, LCNB Corporation (NASDAQ: LCNB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $20.00 (+1.42% 1D, market cap $281.1M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, LCNB ranks #248 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LCNB compare to VABK and HWBK in the Financials sector?
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Within the Financials sector (Major Banks), LCNB carries a Roarable C (65/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 8.4%. By comparison, VABK (Virginia National Bankshares Corporation) holds a B grade (72/100 RQD, P/E 14.4x, ROIC 10.5%, cap $279.5M) and HWBK (Hawthorn Bancshares Inc.) posts a C+ grade (67/100 RQD, P/E 12.2x, ROIC 13.7%, cap $284.9M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LCNB?
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Per LCNB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001074902), LCNB Corporation generated $941.1M in revenue (-2.9% YoY), $23.1M in net income, and $33.4M in free cash flow against $2.24B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $20.01 (+0.07%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 3.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C
Cash (10)Whales (13)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.1% Base Target
$24 Bull$21 Base$16 Bear
📬 FREE LCNB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LCNB)Realized 20D OHLCV Swing Band: ±5.6%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY LCNB SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+13/20 pts (20% of score)

20D Institutional Volume Accumulation (±5.6% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
57
Grade C$18.64+3.2% Next Q
Q2 (-2Q)
60
Grade C$19.24+3% Next Q
Q3 (-1Q)
62
Grade C+$19.81+1% Next Q
Current
65
Grade C$20.00+1.3% Hist 90D α
Trajectory: C (57) → C (65)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LCNB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, LCNB faces multiple-compression risk if 12.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($19.11) or 200D SMA ($17.82) invalidates the momentum regime and cuts Target Base ($20.63) toward Bear Floor ($16.09).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LCNB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “LCNB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±5.6% Swing Band

±$1.12 Expected Swing
$18.88 (-5.6%)Spot $20.00$21.12 (+5.6%)
MODEL EARNINGS SETUP GAUGE

LCNB Quantitative Pre-Earnings Setup: 65/100

Trailing EPS: $1.62 • YoY Revenue Growth: 12.4%

Model Bullish Setup (65/100)Model Risk Weight (35/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$941.1M$23.1M$33.4M52%
FY 20242024-12-31$969.1M$13.5M$89.4M52%
FY 20232023-12-31$88.8M$12.6M$23.4M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating LCNB & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on LCNB
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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LCNB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +26.10%▲ RESISTANCE BREAKOUT
2026-11-03O $19.93H $20.00L $19.72C $20.00VOL 20.4K
RES: $18.76SUP: $18.76SMA50: $19.11SMA200: $17.82
$21.73$20.04$18.35$16.66$14.98RES $18.76SUP $18.76$20.002026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LCNB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LCNB Butterfly Map → + Track LCNB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
3.0%/yr Implied 5Y Growth

vs. -2.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on LCNB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LCNB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LCNB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LCNB)

Financials Rank #248 of 1097 ⚔️ VABK vs LCNB Full Matrix →

1. Head-to-Head Financials Peer Comparison (LCNB vs. VABK, HWBK, FXNC, OVLY)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, LCNB Corporation (LCNB) ranks #248 by composite RQD confidence (65/100, grade C) and #824 by equity capitalization ($281.1M). Within this direct 5-issuer industry benchmark cohort, OVLY leads on earnings valuation at 9.4x trailing P/E, while OVLY leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. VABK currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with LCNB at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
LCNB ACTIVE
LCNB Corporation
C 65/100 12.3x — 8.4% +1.42% $281.1M Benchmark Subject
VABK
Virginia National Bankshares Corporation
B 72/100 14.4x — 10.5% +2.50% $279.5M /vabk-vs-lcnb →
HWBK
Hawthorn Bancshares Inc.
C+ 67/100 12.2x — 13.7% +0.98% $284.9M /hwbk-vs-lcnb →
FXNC
First National Corporation
C 65/100 15.8x — 9.5% +2.96% $275.4M /fxnc-vs-lcnb →
OVLY
Oak Valley Bancorp (CA)
C+ 66/100 9.4x — 14.8% +1.22% $289.6M /ovly-vs-lcnb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001074902 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), LCNB Corporation (LCNB) reported GAAP revenue of $941.1M (-2.9% vs. FY2024 revenue of $969.1M , and +960.2% cumulative change since FY2023) , GAAP net income of $23.1M, operating cash flow of $34.4M, and free cash flow of $33.4M (-62.6% YoY). On the balance sheet, LCNB closed FY2025 with $2.24B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $941.1M $23.1M $34.4M $33.4M $2.24B —
FY2024 (FY) 2024-12-31 $969.1M $13.5M $93.2M $89.4M $2.31B —
FY2023 (FY) 2023-12-31 $88.8M $12.6M $23.4M $23.4M — —

3. LCNB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LCNB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, LCNB Corporation (NASDAQ: LCNB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $20.00 (+1.42% 1D, market cap $281.1M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, LCNB ranks #248 in composite RQD confidence.

How does LCNB compare to VABK and HWBK in the Financials sector?

Within the Financials sector (Major Banks), LCNB carries a Roarable C (65/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 8.4%. By comparison, VABK (Virginia National Bankshares Corporation) holds a B grade (72/100 RQD, P/E 14.4x, ROIC 10.5%, cap $279.5M) and HWBK (Hawthorn Bancshares Inc.) posts a C+ grade (67/100 RQD, P/E 12.2x, ROIC 13.7%, cap $284.9M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LCNB?

Per LCNB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001074902), LCNB Corporation generated $941.1M in revenue (-2.9% YoY), $23.1M in net income, and $33.4M in free cash flow against $2.24B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LCNB trading relative to its 50-day, 200-day, and 52-week technical levels?

LCNB last traded at $20.00 (+1.42% on volume of 31,936 shares), positioning the stock +4.66% above its 50-day simple moving average ($19.11) and +12.23% above its 200-day simple moving average ($17.82). Across its 52-week range of $14.83 to $21.32, LCNB sits at the 79.7% percentile with a 14-day RSI of 57.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.6% ($18.88 to $21.12).

Direct Sub-Reports: LCNB RQD Cockpit LCNB 12M Forecast LCNB Earnings & Move LCNB Dividends & DRIP LCNB Insiders & 13F LCNB Whale Options LCNB Profit Sankey LCNB News & Why
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ SEC XBRL & RQD VERIFIED

LCNB — LCNB Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

LCNB Corporation (LCNB) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $20.00 (+1.42% 1D, market capitalization $281.1M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 8.4%, gross margin of —, operating margin of —, and free cash flow yield of 11.77%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

LCNB Corporation (LCNB) is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry. The profile lists a market capitalization of $0.3B. — describes its specific products, customers, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), LCNB Corporation (LCNB) reported $941.1M in annual revenue (up from $969.1M in FY2024, -2.9% YoY) and $23.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($88.8M revenue, $12.6M net income) through FY2025, LCNB scaled operating cash flow to $34.4M and free cash flow to $33.4M, backed by $2.24B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 65/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 11.77% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $14.83 – $21.32 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector context provided is the Financials / Major Banks classification, which the profile and graph both identify without further linkage detail.

  • Key Question #1: Can LCNB sustain or expand its — operating margin and 8.4% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $941.1M and free cash flow of $33.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is LCNB's 11.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LCNB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for LCNB Corporation (LCNB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LCNB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LCNB Bull vs. Bear Conversation Board — What's Your Call at $20.00?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LCNB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on LCNB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $23.27 (+18.0%)
📌 Pinned Debate

Insider conviction scores 16 of 20, the strongest RQD pillar, backed by a 12.3 TTM P/E and 11.77% FCF yield.

Here is why I am bullish on LCNB here at $19.72: Insider conviction scores 16 of 20, the strongest RQD pillar, backed by a 12.3 TTM P/E and 11.77% FCF yield.. Compare LCNB's 0.0% operating margin and 8.4% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $18.73 are getting bought.

EarningsSniper 🐂 BULL

Both sides have a point here — LCNB's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $15.38 (-22.0%)
Spot @ $19.72

Valuation & margin reality check on LCNB at $19.72 before chasing here

I respect the product at LCNB Corporation, but the stock at $19.72 is a different story. Valuation & margin reality check on LCNB at $19.72 before chasing here. FCF yield is 11.77% and RQD sits at 65/100 (C) — why pay up here when you can wait for next quarter's numbers?

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