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Side-by-side financial comparison of LCNB CORP (LCNB) and ON24 INC. (ONTF). Click either name above to swap in a different company.

ON24 INC. is the larger business by last-quarter revenue ($34.6M vs $23.9M, roughly 1.5× LCNB CORP). LCNB CORP runs the higher net margin — 23.7% vs -18.8%, a 42.5% gap on every dollar of revenue. On growth, LCNB CORP posted the faster year-over-year revenue change (5.1% vs -5.6%). LCNB CORP produced more free cash flow last quarter ($33.4M vs $-2.2M). Over the past eight quarters, LCNB CORP's revenue compounded faster (15.7% CAGR vs -4.2%).

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.

ON24 Inc., a San Francisco-based company, is a cloud-based platform that develops and sells web-based webinar, virtual conferencing, content hub, and landing page applications as a service for marketing and sales teams in B2B organizations. In 2023 it expanded its offerings to include generative AI services.

LCNB vs ONTF — Head-to-Head

Bigger by revenue
ONTF
ONTF
1.5× larger
ONTF
$34.6M
$23.9M
LCNB
Growing faster (revenue YoY)
LCNB
LCNB
+10.6% gap
LCNB
5.1%
-5.6%
ONTF
Higher net margin
LCNB
LCNB
42.5% more per $
LCNB
23.7%
-18.8%
ONTF
More free cash flow
LCNB
LCNB
$35.6M more FCF
LCNB
$33.4M
$-2.2M
ONTF
Faster 2-yr revenue CAGR
LCNB
LCNB
Annualised
LCNB
15.7%
-4.2%
ONTF

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
LCNB
LCNB
ONTF
ONTF
Revenue
$23.9M
$34.6M
Net Profit
$5.7M
$-6.5M
Gross Margin
74.9%
Operating Margin
29.2%
-23.5%
Net Margin
23.7%
-18.8%
Revenue YoY
5.1%
-5.6%
Net Profit YoY
-7.6%
26.8%
EPS (diluted)
$0.40
$-0.15

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.

Revenue
LCNB
LCNB
ONTF
ONTF
Q4 25
$23.9M
$34.6M
Q3 25
$23.8M
$34.6M
Q2 25
$22.8M
$35.3M
Q1 25
$21.5M
$34.7M
Q4 24
$22.7M
$36.7M
Q3 24
$21.4M
$36.3M
Q2 24
$19.3M
$37.3M
Q1 24
$17.8M
$37.7M
Net Profit
LCNB
LCNB
ONTF
ONTF
Q4 25
$5.7M
$-6.5M
Q3 25
$6.9M
$-6.4M
Q2 25
$5.9M
$-7.3M
Q1 25
$4.6M
$-8.7M
Q4 24
$6.1M
$-8.9M
Q3 24
$4.5M
$-11.4M
Q2 24
$925.0K
$-11.2M
Q1 24
$1.9M
$-10.7M
Gross Margin
LCNB
LCNB
ONTF
ONTF
Q4 25
74.9%
Q3 25
74.7%
Q2 25
75.1%
Q1 25
73.8%
Q4 24
74.5%
Q3 24
74.3%
Q2 24
74.5%
Q1 24
74.1%
Operating Margin
LCNB
LCNB
ONTF
ONTF
Q4 25
29.2%
-23.5%
Q3 25
35.6%
-23.1%
Q2 25
31.6%
-26.0%
Q1 25
25.6%
-30.1%
Q4 24
32.9%
-32.1%
Q3 24
24.9%
-36.7%
Q2 24
4.9%
-35.0%
Q1 24
12.5%
-33.1%
Net Margin
LCNB
LCNB
ONTF
ONTF
Q4 25
23.7%
-18.8%
Q3 25
29.1%
-18.4%
Q2 25
26.0%
-20.6%
Q1 25
21.4%
-25.1%
Q4 24
27.0%
-24.2%
Q3 24
21.2%
-31.4%
Q2 24
4.8%
-29.9%
Q1 24
10.7%
-28.4%
EPS (diluted)
LCNB
LCNB
ONTF
ONTF
Q4 25
$0.40
$-0.15
Q3 25
$0.49
$-0.15
Q2 25
$0.41
$-0.17
Q1 25
$0.33
$-0.21
Q4 24
$0.44
$-0.21
Q3 24
$0.31
$-0.27
Q2 24
$0.07
$-0.27
Q1 24
$0.15
$-0.26

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
LCNB
LCNB
ONTF
ONTF
Cash + ST InvestmentsLiquidity on hand
$21.6M
$37.0M
Total DebtLower is stronger
$104.4M
Stockholders' EquityBook value
$273.9M
$139.4M
Total Assets
$2.2B
$228.4M
Debt / EquityLower = less leverage
0.38×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
LCNB
LCNB
ONTF
ONTF
Q4 25
$21.6M
$37.0M
Q3 25
$35.9M
$47.2M
Q2 25
$49.8M
$37.7M
Q1 25
$37.7M
$26.8M
Q4 24
$35.7M
$14.9M
Q3 24
$39.4M
$11.0M
Q2 24
$34.9M
$15.5M
Q1 24
$33.0M
$18.3M
Total Debt
LCNB
LCNB
ONTF
ONTF
Q4 25
$104.4M
Q3 25
$104.7M
Q2 25
$105.0M
Q1 25
$104.6M
Q4 24
$155.2M
Q3 24
$155.7M
Q2 24
$162.2M
Q1 24
$162.6M
Stockholders' Equity
LCNB
LCNB
ONTF
ONTF
Q4 25
$273.9M
$139.4M
Q3 25
$269.9M
$144.3M
Q2 25
$263.5M
$150.0M
Q1 25
$258.7M
$153.7M
Q4 24
$253.0M
$159.4M
Q3 24
$253.2M
$164.9M
Q2 24
$245.2M
$170.8M
Q1 24
$233.7M
$174.4M
Total Assets
LCNB
LCNB
ONTF
ONTF
Q4 25
$2.2B
$228.4M
Q3 25
$2.2B
$224.8M
Q2 25
$2.3B
$235.1M
Q1 25
$2.3B
$245.8M
Q4 24
$2.3B
$251.0M
Q3 24
$2.3B
$250.9M
Q2 24
$2.4B
$259.0M
Q1 24
$2.3B
$269.2M
Debt / Equity
LCNB
LCNB
ONTF
ONTF
Q4 25
0.38×
Q3 25
0.39×
Q2 25
0.40×
Q1 25
0.40×
Q4 24
0.61×
Q3 24
0.61×
Q2 24
0.66×
Q1 24
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
LCNB
LCNB
ONTF
ONTF
Operating Cash FlowLast quarter
$34.4M
$-1.1M
Free Cash FlowOCF − Capex
$33.4M
$-2.2M
FCF MarginFCF / Revenue
140.2%
-6.4%
Capex IntensityCapex / Revenue
4.0%
3.3%
Cash ConversionOCF / Net Profit
6.08×
TTM Free Cash FlowTrailing 4 quarters
$54.5M
$4.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
LCNB
LCNB
ONTF
ONTF
Q4 25
$34.4M
$-1.1M
Q3 25
$14.0M
$2.5M
Q2 25
$5.5M
$2.6M
Q1 25
$2.2M
$3.4M
Q4 24
$93.2M
$985.0K
Q3 24
$11.9M
$295.0K
Q2 24
$54.9M
$1.4M
Q1 24
$-11.9M
$2.1M
Free Cash Flow
LCNB
LCNB
ONTF
ONTF
Q4 25
$33.4M
$-2.2M
Q3 25
$13.7M
$2.2M
Q2 25
$5.2M
$2.1M
Q1 25
$2.1M
$1.9M
Q4 24
$89.4M
$424.0K
Q3 24
$10.5M
$143.0K
Q2 24
$53.8M
$898.0K
Q1 24
$-12.8M
$1.1M
FCF Margin
LCNB
LCNB
ONTF
ONTF
Q4 25
140.2%
-6.4%
Q3 25
57.4%
6.2%
Q2 25
23.0%
5.9%
Q1 25
10.0%
5.6%
Q4 24
394.0%
1.2%
Q3 24
49.0%
0.4%
Q2 24
278.6%
2.4%
Q1 24
-71.8%
2.9%
Capex Intensity
LCNB
LCNB
ONTF
ONTF
Q4 25
4.0%
3.3%
Q3 25
1.3%
1.1%
Q2 25
1.0%
1.4%
Q1 25
0.3%
4.2%
Q4 24
16.7%
1.5%
Q3 24
6.7%
0.4%
Q2 24
5.9%
1.3%
Q1 24
4.8%
2.8%
Cash Conversion
LCNB
LCNB
ONTF
ONTF
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.

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