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Side-by-side financial comparison of Claros Mortgage Trust, Inc. (CMTG) and LCNB CORP (LCNB). Click either name above to swap in a different company.
Claros Mortgage Trust, Inc. is the larger business by last-quarter revenue ($46.7M vs $23.9M, roughly 2.0× LCNB CORP). LCNB CORP runs the higher net margin — 23.7% vs -468.9%, a 492.6% gap on every dollar of revenue. On growth, LCNB CORP posted the faster year-over-year revenue change (5.1% vs -22.4%). Over the past eight quarters, LCNB CORP's revenue compounded faster (15.7% CAGR vs -10.9%).
Claros Mortgage Trust, Inc. is a U.S.-based real estate investment trust that invests in diversified mortgage-related assets, including residential and commercial mortgage loans and mortgage-backed securities. It pursues stable, risk-adjusted long-term returns for shareholders via rigorous asset evaluation and active portfolio management.
LCNB Corp is a United States-based financial holding company that operates through its national bank subsidiary, providing a full suite of retail and commercial banking products and services including deposit accounts, various loan products, wealth management, and insurance solutions primarily to individual consumers, small and medium-sized enterprises and local community organizations across regional markets in Ohio.
CMTG vs LCNB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $46.7M | $23.9M |
| Net Profit | $-219.2M | $5.7M |
| Gross Margin | — | — |
| Operating Margin | — | 29.2% |
| Net Margin | -468.9% | 23.7% |
| Revenue YoY | -22.4% | 5.1% |
| Net Profit YoY | -117.7% | -7.6% |
| EPS (diluted) | $-1.56 | $0.40 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $46.7M | $23.9M | ||
| Q3 25 | $46.1M | $23.8M | ||
| Q2 25 | $51.6M | $22.8M | ||
| Q1 25 | $43.4M | $21.5M | ||
| Q4 24 | $60.2M | $22.7M | ||
| Q3 24 | $64.9M | $21.4M | ||
| Q2 24 | $64.5M | $19.3M | ||
| Q1 24 | $58.8M | $17.8M |
| Q4 25 | $-219.2M | $5.7M | ||
| Q3 25 | $-9.5M | $6.9M | ||
| Q2 25 | $-181.7M | $5.9M | ||
| Q1 25 | $-78.6M | $4.6M | ||
| Q4 24 | $-100.7M | $6.1M | ||
| Q3 24 | $-56.2M | $4.5M | ||
| Q2 24 | $-11.6M | $925.0K | ||
| Q1 24 | $-52.8M | $1.9M |
| Q4 25 | — | 29.2% | ||
| Q3 25 | — | 35.6% | ||
| Q2 25 | — | 31.6% | ||
| Q1 25 | — | 25.6% | ||
| Q4 24 | — | 32.9% | ||
| Q3 24 | — | 24.9% | ||
| Q2 24 | — | 4.9% | ||
| Q1 24 | — | 12.5% |
| Q4 25 | -468.9% | 23.7% | ||
| Q3 25 | -20.7% | 29.1% | ||
| Q2 25 | -351.9% | 26.0% | ||
| Q1 25 | -181.3% | 21.4% | ||
| Q4 24 | -167.2% | 27.0% | ||
| Q3 24 | -86.7% | 21.2% | ||
| Q2 24 | -17.9% | 4.8% | ||
| Q1 24 | -89.7% | 10.7% |
| Q4 25 | $-1.56 | $0.40 | ||
| Q3 25 | $-0.07 | $0.49 | ||
| Q2 25 | $-1.30 | $0.41 | ||
| Q1 25 | $-0.56 | $0.33 | ||
| Q4 24 | $-0.72 | $0.44 | ||
| Q3 24 | $-0.40 | $0.31 | ||
| Q2 24 | $-0.09 | $0.07 | ||
| Q1 24 | $-0.39 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $173.2M | $21.6M |
| Total DebtLower is stronger | $3.2B | $104.4M |
| Stockholders' EquityBook value | $1.5B | $273.9M |
| Total Assets | $4.7B | $2.2B |
| Debt / EquityLower = less leverage | 2.06× | 0.38× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $173.2M | $21.6M | ||
| Q3 25 | $339.5M | $35.9M | ||
| Q2 25 | $209.2M | $49.8M | ||
| Q1 25 | $127.8M | $37.7M | ||
| Q4 24 | $99.1M | $35.7M | ||
| Q3 24 | $113.9M | $39.4M | ||
| Q2 24 | $148.2M | $34.9M | ||
| Q1 24 | $232.5M | $33.0M |
| Q4 25 | $3.2B | $104.4M | ||
| Q3 25 | $3.7B | $104.7M | ||
| Q2 25 | $4.0B | $105.0M | ||
| Q1 25 | $4.7B | $104.6M | ||
| Q4 24 | $4.9B | $155.2M | ||
| Q3 24 | $5.1B | $155.7M | ||
| Q2 24 | $5.3B | $162.2M | ||
| Q1 24 | $5.5B | $162.6M |
| Q4 25 | $1.5B | $273.9M | ||
| Q3 25 | $1.7B | $269.9M | ||
| Q2 25 | $1.8B | $263.5M | ||
| Q1 25 | $1.9B | $258.7M | ||
| Q4 24 | $2.0B | $253.0M | ||
| Q3 24 | $2.1B | $253.2M | ||
| Q2 24 | $2.2B | $245.2M | ||
| Q1 24 | $2.2B | $233.7M |
| Q4 25 | $4.7B | $2.2B | ||
| Q3 25 | $5.4B | $2.2B | ||
| Q2 25 | $5.8B | $2.3B | ||
| Q1 25 | $6.7B | $2.3B | ||
| Q4 24 | $7.0B | $2.3B | ||
| Q3 24 | $7.3B | $2.3B | ||
| Q2 24 | $7.6B | $2.4B | ||
| Q1 24 | $7.8B | $2.3B |
| Q4 25 | 2.06× | 0.38× | ||
| Q3 25 | 2.09× | 0.39× | ||
| Q2 25 | 2.29× | 0.40× | ||
| Q1 25 | 2.42× | 0.40× | ||
| Q4 24 | 2.44× | 0.61× | ||
| Q3 24 | 2.44× | 0.61× | ||
| Q2 24 | 2.46× | 0.66× | ||
| Q1 24 | 2.47× | 0.70× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-30.5M | $34.4M |
| Free Cash FlowOCF − Capex | — | $33.4M |
| FCF MarginFCF / Revenue | — | 140.2% |
| Capex IntensityCapex / Revenue | — | 4.0% |
| Cash ConversionOCF / Net Profit | — | 6.08× |
| TTM Free Cash FlowTrailing 4 quarters | — | $54.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-30.5M | $34.4M | ||
| Q3 25 | $8.8M | $14.0M | ||
| Q2 25 | $-5.8M | $5.5M | ||
| Q1 25 | $-35.8M | $2.2M | ||
| Q4 24 | $84.5M | $93.2M | ||
| Q3 24 | $39.2M | $11.9M | ||
| Q2 24 | $5.5M | $54.9M | ||
| Q1 24 | $21.5M | $-11.9M |
| Q4 25 | — | $33.4M | ||
| Q3 25 | — | $13.7M | ||
| Q2 25 | — | $5.2M | ||
| Q1 25 | — | $2.1M | ||
| Q4 24 | — | $89.4M | ||
| Q3 24 | — | $10.5M | ||
| Q2 24 | — | $53.8M | ||
| Q1 24 | — | $-12.8M |
| Q4 25 | — | 140.2% | ||
| Q3 25 | — | 57.4% | ||
| Q2 25 | — | 23.0% | ||
| Q1 25 | — | 10.0% | ||
| Q4 24 | — | 394.0% | ||
| Q3 24 | — | 49.0% | ||
| Q2 24 | — | 278.6% | ||
| Q1 24 | — | -71.8% |
| Q4 25 | — | 4.0% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 16.7% | ||
| Q3 24 | — | 6.7% | ||
| Q2 24 | — | 5.9% | ||
| Q1 24 | — | 4.8% |
| Q4 25 | — | 6.08× | ||
| Q3 25 | — | 2.02× | ||
| Q2 25 | — | 0.92× | ||
| Q1 25 | — | 0.48× | ||
| Q4 24 | — | 15.23× | ||
| Q3 24 | — | 2.63× | ||
| Q2 24 | — | 59.35× | ||
| Q1 24 | — | -6.24× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CMTG
| Real Estate Owned Portfolio | $34.2M | 73% |
| Other | $11.1M | 24% |
| Mixed Use Property Fixed Rents | $1.4M | 3% |
LCNB
Segment breakdown not available.
