LCNB Corp. (LCNB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-09
$18.970.00%
Close 2026-09-09 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-09
Broken: Primary pillar broken — EPS reaches at least $1.63 in FY26: FY26 EPS guidance $0.84 vs $1.63 target.
LCNB keeps a stable dividend of $0.22 per share. Earnings per share are expected to rise to $1.63 in 2026. The bank aims for disciplined growth with stable asset quality. Profit margins remain a focus despite recent earnings misses.
LCNB has missed earnings twice recently and net income declined in Q1 2026. Revenue growth is expected to be negative by analysts. The bank faces pressure to maintain profitability and growth in a challenging environment.
The price is about 16% below our fair value near $21. Analysts expect about -17% revenue growth, which aligns with the recent earnings misses. Our view is cautious but sees potential if growth and profitability stabilize.
Breaks if: loan growth stalls or asset quality deteriorates materially in FY26
Breaks if: EPS falls below $1.23 in FY26
Breaks if: dividend per share falls below $0.22 in any quarter
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
This investment represents a stable growth opportunity with a focus on disciplined expansion and profitability. The current thesis is in a watch state, reflecting recent strong financial performance but acknowledging fragility in execution quality.
The market appears to price LCNB as a cheap option compared to its peers, with a slight expectations gap indicating that some caution is warranted. The valuation suggests that while the company is not seen as overly expensive, there are concerns about execution quality.
Management has shown a commitment to disciplined growth, with recent financial results indicating strong net income and expanding wealth management assets. However, there is a moderate risk of missing future earnings expectations, which could impact the company’s trajectory.
The future performance of LCNB hinges on its ability to maintain guidance in upcoming calls and the performance of sector bellwethers like HDB, IBN, and PNC. Positive momentum in the Financials sector could support LCNB, while any negative shifts could pose risks.
The most important moves since the prior daily snapshot.
Our read on the company is unchanged since the prior snapshot.
as of 2026-09-09
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Over the next 1 to 3 years, LCNB's performance will depend on management's execution and sector trends. Not investment advice.