Is JPM or LCNB more undervalued in 2026?

CirclFi compares JP Morgan Chase & Co. (JPM) and LCNB Corporation (LCNB) using 13 institutional-grade valuation models. JPM has a Quality of Company score of 8.2/10 while LCNB scores 5.8/10.

Which is a better buy — JPM or LCNB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do JPM and LCNB valuations compare?

JPM at $299.31 and LCNB at $17.04 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

JPM vs LCNB Valuation Comparison 2026 — Intrinsic Value Analysis

JPM

National Commercial Banks

JP Morgan Chase & Co.

Quality

8.2

out of 10

Value Trap

SAFE

Price

$299.31

Last close

Models

11/13

Active

LCNB

National Commercial Banks

LCNB Corporation

Quality

5.8

out of 10

Value Trap

SAFE

Price

$17.04

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	JPM Fair Value	JPM Upside	LCNB Fair Value	LCNB Upside
Bayesian DCF	Intrinsic	$190.35	-36.4%	$5.61	-67.1%
Earnings Power Value	Intrinsic	$248.65	-16.9%	$5.44	-68.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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JPM vs LCNB — Which Stock Is More Undervalued?

JPM scores higher with a 8.2/10 quality rating vs LCNB's 5.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing JP Morgan Chase & Co. (JPM) and LCNB Corporation (LCNB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

JPM currently trades at $299.31 with a QOC of 8.2/10, while LCNB trades at $17.04 with a QOC of 5.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).