LCNB
LCNB Corp.
LCNB has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over LCNB overall, supported by stronger valuation and stronger fundamentals.
LCNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
LCNB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like LCNB.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
LCNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $15.99 | -18% |
| Forward | 10x | $19.58 | — |
| Fair | 11x | $18.44 | -5.8% |
| Current | 11x | $19.58 | — |
| Expensive | 13x | $23.10 | +18% |
Historical ranges are pointers, not guarantees.
LCNB's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over LCNB in the historical PE scenario, which offers more potential upside but is not a forecast.
LCNB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect LCNB's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over LCNB on the outlook, with more favorable revenue expectations.
LCNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.90 | +8.4% |
| Q3 2026 | $1.75 | +4.8% |
| Q2 2026 | $1.73 | +16% |
| Q1 2026 | $1.61 | +40% |
| Q4 2025 | $1.63 | +68% |
| Q3 2025 | $1.67 | +255% |
| Q2 2025 | $1.49 | +181% |
| Q1 2025 | $1.15 | +31% |
| Q4 2024 | $0.97 | -12% |
LCNB has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
LCNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $25M | +5% |
| Q2 2026 | $25.1M | +10% |
| Q1 2026 | $23.5M | +9.4% |
| Q4 2025 | $23.9M | +5.1% |
| Q3 2025 | $23.8M | +11% |
| Q2 2025 | $22.8M | +18% |
| Q1 2025 | $21.5M | +21% |
| Q4 2024 | $22.7M | +18% |
LCNB's revenue has grown year over year for 11 quarters in a row: $25M last quarter, up 5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +0.3 points |
| Q2 2026 | 37% | +5 points |
| Q1 2026 | 23% | -3 points |
| Q4 2025 | 29% | -3.7 points |
| Q3 2025 | 36% | +11 points |
| Q2 2025 | 32% | +27 points |
| Q1 2025 | 26% | +13 points |
| Q4 2024 | 33% | +36 points |
LCNB has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over LCNB on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
LCNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.2M | -25% |
| Q2 2026 | $7.4M | +42% |
| Q1 2026 | $2.8M | +29% |
| Q4 2025 | $12.4M | -69% |
| Q3 2025 | $13.7M | +40% |
| Q2 2025 | $5.2M | -90% |
| Q1 2025 | $2.1M | +$15.5M |
| Q4 2024 | $39.7M | +425% |
LCNB has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
LCNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +8.5K shares |
| 1 year | +0.5% | +69K shares |
| 3 years | +28% | +3.1M shares |
| 5 years | +14% | +1.7M shares |
| Available history | +8.3% | +1.1M shares |
LCNB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $1.5M |
| Q1 2023 | $1.8M |
| Q4 2022 | $680,000 |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
LCNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 2.4x | Moderate |
| Q1 2026 | 2.6x | Moderate |
| Q4 2025 | 2.9x | Moderate |
| Q3 2025 | 2.4x | Moderate |
| Q2 2025 | 2.3x | Moderate |
| Q1 2025 | 3.4x | Elevated |
| Q4 2024 | 7.2x | High |
LCNB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like LCNB.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over LCNB on leverage, with a lower net debt burden relative to earnings.
LCNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.4 | Neutral |
| Stochastic | 58.9 | Neutral |
LCNB's weekly RSI is 60 (neutral) and its Stochastic is 59 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
LCNB PE vs Financial Services Sector
| Metric | LCNB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 64 | 63 | 1 pt above |
LCNB has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
LCNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $19.2 | 1.9% above |
| 20 week MA | $19.2 | 1.9% above |
| 50 week MA | $17.7 | 11% above |
| 100 week MA | $16.4 | 20% above |
| 200 week MA | $15.9 | 23% above |
LCNB has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
LCNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.5 | $14.6 | -25% |
| 2021 | $14.6 | $19.4 | +33% |
| 2022 | $19.4 | $17.7 | -8.9% |
| 2023 | $17.7 | $15.8 | -11% |
| 2024 | $15.8 | $14.9 | -5.3% |
| 2025 | $14.9 | $16.5 | +10% |
| 2026 YTD | $16.5 | $19.6 | +19% |
LCNB has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.