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Side-by-side financial comparison of LCNB CORP (LCNB) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
Owlet, Inc. is the larger business by last-quarter revenue ($26.6M vs $23.9M, roughly 1.1× LCNB CORP). LCNB CORP runs the higher net margin — 23.7% vs -34.6%, a 58.3% gap on every dollar of revenue. On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 5.1%). LCNB CORP produced more free cash flow last quarter ($33.4M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 15.7%).
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.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
LCNB vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.9M | $26.6M |
| Net Profit | $5.7M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | 29.2% | -18.4% |
| Net Margin | 23.7% | -34.6% |
| Revenue YoY | 5.1% | 29.6% |
| Net Profit YoY | -7.6% | -1.5% |
| EPS (diluted) | $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 | $23.9M | $26.6M | ||
| Q3 25 | $23.8M | $32.0M | ||
| Q2 25 | $22.8M | $26.1M | ||
| Q1 25 | $21.5M | $21.1M | ||
| Q4 24 | $22.7M | $20.5M | ||
| Q3 24 | $21.4M | $22.1M | ||
| Q2 24 | $19.3M | $20.7M | ||
| Q1 24 | $17.8M | $14.8M |
| Q4 25 | $5.7M | $-9.2M | ||
| Q3 25 | $6.9M | $4.1M | ||
| Q2 25 | $5.9M | $-37.6M | ||
| Q1 25 | $4.6M | $3.0M | ||
| Q4 24 | $6.1M | $-9.1M | ||
| Q3 24 | $4.5M | $-5.6M | ||
| Q2 24 | $925.0K | $-1.1M | ||
| Q1 24 | $1.9M | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | 29.2% | -18.4% | ||
| Q3 25 | 35.6% | 3.8% | ||
| Q2 25 | 31.6% | -7.4% | ||
| Q1 25 | 25.6% | -12.7% | ||
| Q4 24 | 32.9% | -36.2% | ||
| Q3 24 | 24.9% | -21.8% | ||
| Q2 24 | 4.9% | -10.8% | ||
| Q1 24 | 12.5% | -39.0% |
| Q4 25 | 23.7% | -34.6% | ||
| Q3 25 | 29.1% | 12.9% | ||
| Q2 25 | 26.0% | -144.4% | ||
| Q1 25 | 21.4% | 14.3% | ||
| Q4 24 | 27.0% | -44.2% | ||
| Q3 24 | 21.2% | -25.4% | ||
| Q2 24 | 4.8% | -5.5% | ||
| Q1 24 | 10.7% | 22.2% |
| Q4 25 | $0.40 | — | ||
| Q3 25 | $0.49 | $-0.06 | ||
| Q2 25 | $0.41 | $-2.37 | ||
| Q1 25 | $0.33 | $0.11 | ||
| Q4 24 | $0.44 | $-0.15 | ||
| Q3 24 | $0.31 | $-0.61 | ||
| Q2 24 | $0.07 | $-0.30 | ||
| Q1 24 | $0.15 | $-0.51 |
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 | $35.5M |
| Total DebtLower is stronger | $104.4M | — |
| Stockholders' EquityBook value | $273.9M | $19.0M |
| Total Assets | $2.2B | $85.6M |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.6M | $35.5M | ||
| Q3 25 | $35.9M | $23.8M | ||
| Q2 25 | $49.8M | $21.8M | ||
| Q1 25 | $37.7M | $16.3M | ||
| Q4 24 | $35.7M | $20.2M | ||
| Q3 24 | $39.4M | $21.6M | ||
| Q2 24 | $34.9M | $15.4M | ||
| Q1 24 | $33.0M | $18.4M |
| 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 | $2.1M | ||
| Q1 24 | $162.6M | $4.0M |
| Q4 25 | $273.9M | $19.0M | ||
| Q3 25 | $269.9M | $-54.1M | ||
| Q2 25 | $263.5M | $-59.2M | ||
| Q1 25 | $258.7M | $-25.8M | ||
| Q4 24 | $253.0M | $-29.8M | ||
| Q3 24 | $253.2M | $-21.5M | ||
| Q2 24 | $245.2M | $-33.4M | ||
| Q1 24 | $233.7M | $-32.9M |
| Q4 25 | $2.2B | $85.6M | ||
| Q3 25 | $2.2B | $74.9M | ||
| Q2 25 | $2.3B | $63.5M | ||
| Q1 25 | $2.3B | $51.4M | ||
| Q4 24 | $2.3B | $49.5M | ||
| Q3 24 | $2.3B | $56.1M | ||
| Q2 24 | $2.4B | $45.9M | ||
| Q1 24 | $2.3B | $43.8M |
| 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 | | |
|---|---|---|
| Operating Cash FlowLast quarter | $34.4M | $-452.0K |
| Free Cash FlowOCF − Capex | $33.4M | $-651.0K |
| FCF MarginFCF / Revenue | 140.2% | -2.5% |
| Capex IntensityCapex / Revenue | 4.0% | 0.7% |
| Cash ConversionOCF / Net Profit | 6.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $54.5M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.4M | $-452.0K | ||
| Q3 25 | $14.0M | $-2.2M | ||
| Q2 25 | $5.5M | $-2.2M | ||
| Q1 25 | $2.2M | $-5.9M | ||
| Q4 24 | $93.2M | $3.0M | ||
| Q3 24 | $11.9M | $-7.5M | ||
| Q2 24 | $54.9M | $-3.4M | ||
| Q1 24 | $-11.9M | $-3.4M |
| Q4 25 | $33.4M | $-651.0K | ||
| Q3 25 | $13.7M | $-2.2M | ||
| Q2 25 | $5.2M | $-2.3M | ||
| Q1 25 | $2.1M | $-5.9M | ||
| Q4 24 | $89.4M | $3.0M | ||
| Q3 24 | $10.5M | $-7.5M | ||
| Q2 24 | $53.8M | $-3.4M | ||
| Q1 24 | $-12.8M | — |
| Q4 25 | 140.2% | -2.5% | ||
| Q3 25 | 57.4% | -6.8% | ||
| Q2 25 | 23.0% | -8.8% | ||
| Q1 25 | 10.0% | -28.1% | ||
| Q4 24 | 394.0% | 14.5% | ||
| Q3 24 | 49.0% | -33.9% | ||
| Q2 24 | 278.6% | -16.3% | ||
| Q1 24 | -71.8% | — |
| Q4 25 | 4.0% | 0.7% | ||
| Q3 25 | 1.3% | 0.0% | ||
| Q2 25 | 1.0% | 0.2% | ||
| Q1 25 | 0.3% | 0.0% | ||
| Q4 24 | 16.7% | 0.2% | ||
| Q3 24 | 6.7% | 0.0% | ||
| Q2 24 | 5.9% | 0.0% | ||
| Q1 24 | 4.8% | 0.0% |
| Q4 25 | 6.08× | — | ||
| Q3 25 | 2.02× | -0.52× | ||
| Q2 25 | 0.92× | — | ||
| Q1 25 | 0.48× | -1.96× | ||
| Q4 24 | 15.23× | — | ||
| Q3 24 | 2.63× | — | ||
| Q2 24 | 59.35× | — | ||
| Q1 24 | -6.24× | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LCNB
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
