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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and LCNB CORP (LCNB). Click either name above to swap in a different company.
First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $23.9M, roughly 1.1× LCNB CORP). First Bancorp, Inc runs the higher net margin — 39.4% vs 23.7%, a 15.6% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs 5.1%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $33.4M). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs 15.7%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
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.
FNLC vs LCNB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $23.9M |
| Net Profit | $10.2M | $5.7M |
| Gross Margin | — | — |
| Operating Margin | 48.1% | 29.2% |
| Net Margin | 39.4% | 23.7% |
| Revenue YoY | 17.5% | 5.1% |
| Net Profit YoY | 39.7% | -7.6% |
| EPS (diluted) | $0.91 | $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 | $25.8M | $23.9M | ||
| Q3 25 | $24.5M | $23.8M | ||
| Q2 25 | $22.5M | $22.8M | ||
| Q1 25 | $21.8M | $21.5M | ||
| Q4 24 | $22.0M | $22.7M | ||
| Q3 24 | $20.5M | $21.4M | ||
| Q2 24 | $19.2M | $19.3M | ||
| Q1 24 | $18.5M | $17.8M |
| Q4 25 | $10.2M | $5.7M | ||
| Q3 25 | $9.1M | $6.9M | ||
| Q2 25 | $8.1M | $5.9M | ||
| Q1 25 | $7.1M | $4.6M | ||
| Q4 24 | $7.3M | $6.1M | ||
| Q3 24 | $7.6M | $4.5M | ||
| Q2 24 | $6.2M | $925.0K | ||
| Q1 24 | $6.0M | $1.9M |
| Q4 25 | 48.1% | 29.2% | ||
| Q3 25 | 45.2% | 35.6% | ||
| Q2 25 | 43.7% | 31.6% | ||
| Q1 25 | 39.3% | 25.6% | ||
| Q4 24 | 39.5% | 32.9% | ||
| Q3 24 | 44.6% | 24.9% | ||
| Q2 24 | 38.8% | 4.9% | ||
| Q1 24 | 39.3% | 12.5% |
| Q4 25 | 39.4% | 23.7% | ||
| Q3 25 | 37.0% | 29.1% | ||
| Q2 25 | 35.8% | 26.0% | ||
| Q1 25 | 32.5% | 21.4% | ||
| Q4 24 | 33.1% | 27.0% | ||
| Q3 24 | 36.9% | 21.2% | ||
| Q2 24 | 32.1% | 4.8% | ||
| Q1 24 | 32.5% | 10.7% |
| Q4 25 | $0.91 | $0.40 | ||
| Q3 25 | $0.81 | $0.49 | ||
| Q2 25 | $0.72 | $0.41 | ||
| Q1 25 | $0.63 | $0.33 | ||
| Q4 24 | $0.66 | $0.44 | ||
| Q3 24 | $0.68 | $0.31 | ||
| Q2 24 | $0.55 | $0.07 | ||
| Q1 24 | $0.54 | $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 | — | $21.6M |
| Total DebtLower is stronger | $95.5M | $104.4M |
| Stockholders' EquityBook value | $283.1M | $273.9M |
| Total Assets | $3.2B | $2.2B |
| Debt / EquityLower = less leverage | 0.34× | 0.38× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $21.6M | ||
| Q3 25 | — | $35.9M | ||
| Q2 25 | — | $49.8M | ||
| Q1 25 | — | $37.7M | ||
| Q4 24 | — | $35.7M | ||
| Q3 24 | — | $39.4M | ||
| Q2 24 | — | $34.9M | ||
| Q1 24 | — | $33.0M |
| Q4 25 | $95.5M | $104.4M | ||
| Q3 25 | $95.5M | $104.7M | ||
| Q2 25 | $95.0M | $105.0M | ||
| Q1 25 | $70.0M | $104.6M | ||
| Q4 24 | $95.0M | $155.2M | ||
| Q3 24 | $95.0M | $155.7M | ||
| Q2 24 | $70.0M | $162.2M | ||
| Q1 24 | $70.0M | $162.6M |
| Q4 25 | $283.1M | $273.9M | ||
| Q3 25 | $274.6M | $269.9M | ||
| Q2 25 | $265.5M | $263.5M | ||
| Q1 25 | $259.7M | $258.7M | ||
| Q4 24 | $252.5M | $253.0M | ||
| Q3 24 | $256.8M | $253.2M | ||
| Q2 24 | $244.7M | $245.2M | ||
| Q1 24 | $242.6M | $233.7M |
| Q4 25 | $3.2B | $2.2B | ||
| Q3 25 | $3.2B | $2.2B | ||
| Q2 25 | $3.2B | $2.3B | ||
| Q1 25 | $3.2B | $2.3B | ||
| Q4 24 | $3.2B | $2.3B | ||
| Q3 24 | $3.1B | $2.3B | ||
| Q2 24 | $3.1B | $2.4B | ||
| Q1 24 | $3.0B | $2.3B |
| Q4 25 | 0.34× | 0.38× | ||
| Q3 25 | 0.35× | 0.39× | ||
| Q2 25 | 0.36× | 0.40× | ||
| Q1 25 | 0.27× | 0.40× | ||
| Q4 24 | 0.38× | 0.61× | ||
| Q3 24 | 0.37× | 0.61× | ||
| Q2 24 | 0.29× | 0.66× | ||
| Q1 24 | 0.29× | 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 | $37.8M | $34.4M |
| Free Cash FlowOCF − Capex | $34.6M | $33.4M |
| FCF MarginFCF / Revenue | 133.9% | 140.2% |
| Capex IntensityCapex / Revenue | 12.5% | 4.0% |
| Cash ConversionOCF / Net Profit | 3.72× | 6.08× |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $54.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $34.4M | ||
| Q3 25 | $12.9M | $14.0M | ||
| Q2 25 | $7.4M | $5.5M | ||
| Q1 25 | $2.2M | $2.2M | ||
| Q4 24 | $26.0M | $93.2M | ||
| Q3 24 | $9.8M | $11.9M | ||
| Q2 24 | $6.4M | $54.9M | ||
| Q1 24 | $-1.5M | $-11.9M |
| Q4 25 | $34.6M | $33.4M | ||
| Q3 25 | $12.6M | $13.7M | ||
| Q2 25 | $7.2M | $5.2M | ||
| Q1 25 | $828.0K | $2.1M | ||
| Q4 24 | $24.6M | $89.4M | ||
| Q3 24 | $9.6M | $10.5M | ||
| Q2 24 | $6.3M | $53.8M | ||
| Q1 24 | $-1.8M | $-12.8M |
| Q4 25 | 133.9% | 140.2% | ||
| Q3 25 | 51.4% | 57.4% | ||
| Q2 25 | 32.1% | 23.0% | ||
| Q1 25 | 3.8% | 10.0% | ||
| Q4 24 | 111.7% | 394.0% | ||
| Q3 24 | 47.0% | 49.0% | ||
| Q2 24 | 32.9% | 278.6% | ||
| Q1 24 | -9.8% | -71.8% |
| Q4 25 | 12.5% | 4.0% | ||
| Q3 25 | 1.2% | 1.3% | ||
| Q2 25 | 0.6% | 1.0% | ||
| Q1 25 | 6.2% | 0.3% | ||
| Q4 24 | 6.7% | 16.7% | ||
| Q3 24 | 0.5% | 6.7% | ||
| Q2 24 | 0.3% | 5.9% | ||
| Q1 24 | 1.8% | 4.8% |
| Q4 25 | 3.72× | 6.08× | ||
| Q3 25 | 1.42× | 2.02× | ||
| Q2 25 | 0.91× | 0.92× | ||
| Q1 25 | 0.31× | 0.48× | ||
| Q4 24 | 3.58× | 15.23× | ||
| Q3 24 | 1.29× | 2.63× | ||
| Q2 24 | 1.03× | 59.35× | ||
| Q1 24 | -0.25× | -6.24× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
