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LCNB Corporation (LCNB) — RQD Stock Rating Cockpit

$19.93 +1.48% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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 $284.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

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 B-

Each axis scored 0–20

12M PRICE TARGET CONE+3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LCNB)Realized 20D OHLCV Swing Band: ±5.8%

RSI-14 MOMENTUMBULLISH MOMENTUM

58.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE79% OF RANGE

L: $15$19.93H: $21

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on LCNB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

8.4% ROIC with 42.0% gross margin and 11.77% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (70)

27/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like LCNB

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

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

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (LCNB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

LCNB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +22.95%▲ RESISTANCE BREAKOUT

2026-10-30O $19.96H $19.97L $19.67C $19.93VOL 20.3K

RES: $18.82SUP: $18.70SMA50: $19.10SMA200: $17.78

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

3.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #332 of 1096 ⚔️ FXNC vs LCNB Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, LCNB Corporation (LCNB) ranks #332 by composite RQD confidence (65/100, grade C) and #821 by equity capitalization ($284.1M). 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. FXNC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (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%	+1.48%	$284.1M	Benchmark Subject
FXNC First National Corporation	B-	70/100	15.8x	—	9.5%	+0.26%	$279.7M	/fxnc-vs-lcnb →
OVLY Oak Valley Bancorp (CA)	C+	69/100	9.4x	—	14.8%	+0.76%	$290.1M	/ovly-vs-lcnb →
HWBK Hawthorn Bancshares Inc.	C	63/100	12.2x	—	13.7%	+1.33%	$290.4M	/hwbk-vs-lcnb →
VABK Virginia National Bankshares Corporation	B-	70/100	14.4x	—	10.5%	+5.14%	$277.7M	/vabk-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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$23.1M	$34.4M	$33.4M	$2.24B	—
FY2024 (FY)	2024-12-31	$0	$13.5M	$93.2M	$89.4M	$2.31B	—
FY2023 (FY)	2023-12-31	$0	$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 2026-11-01, 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 $19.93 (+1.48% 1D, market cap $284.1M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, LCNB ranks #332 in composite RQD confidence.

How does LCNB compare to FXNC and OVLY 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, FXNC (First National Corporation) holds a B- grade (70/100 RQD, P/E 15.8x, ROIC 9.5%, cap $279.7M) and OVLY (Oak Valley Bancorp (CA)) posts a C+ grade (69/100 RQD, P/E 9.4x, ROIC 14.8%, cap $290.1M). 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 $0 in revenue, $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 $19.93 (+1.48% on volume of 18,007 shares), positioning the stock +4.35% above its 50-day simple moving average ($19.10) and +12.09% above its 200-day simple moving average ($17.78). Across its 52-week range of $14.83 to $21.32, LCNB sits at the 78.6% percentile with a 14-day RSI of 58.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.8% ($18.77 to $21.09).

LCNB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell LCNB stock right now?

LCNB Corporation (LCNB) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (8% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is LCNB's 12-month price target and RQD AI Jury consensus?

LCNB's 12-month base price target is $20.56 (range $16.04 to $24.26), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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