Is LCNB or NEWT more undervalued in 2026?

CirclFi compares LCNB Corporation (LCNB) and NewtekOne, Inc. (NEWT) using 13 institutional-grade valuation models. LCNB has a Quality of Company score of 5.8/10 while NEWT scores 8.1/10.

Which is a better buy — LCNB or NEWT?

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 LCNB and NEWT valuations compare?

LCNB at $17.04 and NEWT at $13.88 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LCNB vs NEWT Valuation Comparison 2026 — Intrinsic Value Analysis

LCNB

National Commercial Banks

LCNB Corporation

Quality

5.8

out of 10

Value Trap

SAFE

Price

$17.04

Last close

Models

12/13

Active

NEWT

National Commercial Banks

NewtekOne, Inc.

Quality

8.1

out of 10

Value Trap

SAFE

Price

$13.88

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	LCNB Fair Value	LCNB Upside	NEWT Fair Value	NEWT Upside
Bayesian DCF	Intrinsic	$5.61	-67.1%	$3.51	-74.7%
Earnings Power Value	Intrinsic	$5.44	-68.1%	$5.34	-61.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LCNB vs NEWT — Which Stock Is More Undervalued?

NEWT scores higher with a 8.1/10 quality rating vs LCNB's 5.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing LCNB Corporation (LCNB) and NewtekOne, Inc. (NEWT) 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.

LCNB currently trades at $17.04 with a QOC of 5.8/10, while NEWT trades at $13.88 with a QOC of 8.1/10.

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).