Stock Ratings / Financials / LCNB / financials

FXNC (70) OVLY (69) HWBK (63) VABK (70) ⌘ Pro Terminal →

LCNB Corporation (LCNB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$19.93 +1.48% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.95

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.

📊 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) →

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

EXT / AFTER-HRS: $19.95 (+0.08%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.8% 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

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%

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: Macro Regime Fit+15/20 pts (23% of score)

FRED Regime × Technicals: 79% of 52W Range • RSI-14 at 58.9 (BULLISH MOMENTUM)

▼ #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)

Grade C$18.52+1.9% Next Q

Q2 (-2Q)

Grade C$18.88+4.5% Next Q

Q3 (-1Q)

Grade C+$19.73+1% Next Q

Current

Grade C$19.93+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 ($19.10) or 200D SMA ($17.78) invalidates the momentum regime and cuts Target Base ($20.56) toward Bear Floor ($16.04).

🎲 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 →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How LCNB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$33.4M (0.8% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$23.1M	$33.4M	8.4%
FY 2024	$4.00B	52%	0%	$13.5M	$89.4M	8.4%
FY 2023	$4.00B	52%	0%	$12.6M	$23.4M	8.4%

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LCNB)

✓Walkthrough of LCNB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

How profitable is LCNB Corporation (LCNB)?

In FY 2025 (10-K), LCNB converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $33.4M in free cash flow (0.8% FCF margin).

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