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Side-by-side financial comparison of LCNB CORP (LCNB) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
SmartRent, Inc. is the larger business by last-quarter revenue ($36.5M vs $23.9M, roughly 1.5× LCNB CORP). LCNB CORP runs the higher net margin — 23.7% vs -8.9%, a 32.6% gap on every dollar of revenue. On growth, LCNB CORP posted the faster year-over-year revenue change (5.1% vs 3.1%). LCNB CORP produced more free cash flow last quarter ($33.4M vs $7.7M). Over the past eight quarters, LCNB CORP's revenue compounded faster (15.7% CAGR vs -15.0%).
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.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
LCNB vs SMRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.9M | $36.5M |
| Net Profit | $5.7M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | 29.2% | -10.9% |
| Net Margin | 23.7% | -8.9% |
| Revenue YoY | 5.1% | 3.1% |
| Net Profit YoY | -7.6% | 71.6% |
| EPS (diluted) | $0.40 | $-0.02 |
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 | $36.5M | ||
| Q3 25 | $23.8M | $36.2M | ||
| Q2 25 | $22.8M | $38.3M | ||
| Q1 25 | $21.5M | $41.3M | ||
| Q4 24 | $22.7M | $35.4M | ||
| Q3 24 | $21.4M | $40.5M | ||
| Q2 24 | $19.3M | $48.5M | ||
| Q1 24 | $17.8M | $50.5M |
| Q4 25 | $5.7M | $-3.2M | ||
| Q3 25 | $6.9M | $-6.3M | ||
| Q2 25 | $5.9M | $-10.9M | ||
| Q1 25 | $4.6M | $-40.2M | ||
| Q4 24 | $6.1M | $-11.4M | ||
| Q3 24 | $4.5M | $-9.9M | ||
| Q2 24 | $925.0K | $-4.6M | ||
| Q1 24 | $1.9M | $-7.7M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 38.5% |
| Q4 25 | 29.2% | -10.9% | ||
| Q3 25 | 35.6% | -19.4% | ||
| Q2 25 | 31.6% | -30.5% | ||
| Q1 25 | 25.6% | -99.9% | ||
| Q4 24 | 32.9% | -36.6% | ||
| Q3 24 | 24.9% | -29.0% | ||
| Q2 24 | 4.9% | -14.3% | ||
| Q1 24 | 12.5% | -20.1% |
| Q4 25 | 23.7% | -8.9% | ||
| Q3 25 | 29.1% | -17.3% | ||
| Q2 25 | 26.0% | -28.3% | ||
| Q1 25 | 21.4% | -97.2% | ||
| Q4 24 | 27.0% | -32.3% | ||
| Q3 24 | 21.2% | -24.5% | ||
| Q2 24 | 4.8% | -9.5% | ||
| Q1 24 | 10.7% | -15.2% |
| Q4 25 | $0.40 | $-0.02 | ||
| Q3 25 | $0.49 | $-0.03 | ||
| Q2 25 | $0.41 | $-0.06 | ||
| Q1 25 | $0.33 | $-0.21 | ||
| Q4 24 | $0.44 | $-0.06 | ||
| Q3 24 | $0.31 | $-0.05 | ||
| Q2 24 | $0.07 | $-0.02 | ||
| Q1 24 | $0.15 | $-0.04 |
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 | $104.5M |
| Total DebtLower is stronger | $104.4M | — |
| Stockholders' EquityBook value | $273.9M | $232.1M |
| Total Assets | $2.2B | $320.9M |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.6M | $104.5M | ||
| Q3 25 | $35.9M | $100.0M | ||
| Q2 25 | $49.8M | $105.0M | ||
| Q1 25 | $37.7M | $125.6M | ||
| Q4 24 | $35.7M | $142.5M | ||
| Q3 24 | $39.4M | $163.4M | ||
| Q2 24 | $34.9M | $187.4M | ||
| Q1 24 | $33.0M | $204.7M |
| 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 | — |
| Q4 25 | $273.9M | $232.1M | ||
| Q3 25 | $269.9M | $234.4M | ||
| Q2 25 | $263.5M | $238.8M | ||
| Q1 25 | $258.7M | $250.7M | ||
| Q4 24 | $253.0M | $289.4M | ||
| Q3 24 | $253.2M | $305.1M | ||
| Q2 24 | $245.2M | $329.4M | ||
| Q1 24 | $233.7M | $333.1M |
| Q4 25 | $2.2B | $320.9M | ||
| Q3 25 | $2.2B | $335.8M | ||
| Q2 25 | $2.3B | $354.0M | ||
| Q1 25 | $2.3B | $366.1M | ||
| Q4 24 | $2.3B | $420.2M | ||
| Q3 24 | $2.3B | $448.6M | ||
| Q2 24 | $2.4B | $475.3M | ||
| Q1 24 | $2.3B | $485.5M |
| 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 | $7.7M |
| Free Cash FlowOCF − Capex | $33.4M | $7.7M |
| FCF MarginFCF / Revenue | 140.2% | 21.0% |
| Capex IntensityCapex / Revenue | 4.0% | 0.0% |
| Cash ConversionOCF / Net Profit | 6.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $54.5M | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.4M | $7.7M | ||
| Q3 25 | $14.0M | $-2.1M | ||
| Q2 25 | $5.5M | $-14.9M | ||
| Q1 25 | $2.2M | $-12.2M | ||
| Q4 24 | $93.2M | $-12.0M | ||
| Q3 24 | $11.9M | $-3.7M | ||
| Q2 24 | $54.9M | $-13.9M | ||
| Q1 24 | $-11.9M | $-3.3M |
| Q4 25 | $33.4M | $7.7M | ||
| Q3 25 | $13.7M | $-2.2M | ||
| Q2 25 | $5.2M | $-16.2M | ||
| Q1 25 | $2.1M | $-14.3M | ||
| Q4 24 | $89.4M | $-13.3M | ||
| Q3 24 | $10.5M | $-3.9M | ||
| Q2 24 | $53.8M | $-14.1M | ||
| Q1 24 | $-12.8M | $-3.4M |
| Q4 25 | 140.2% | 21.0% | ||
| Q3 25 | 57.4% | -6.1% | ||
| Q2 25 | 23.0% | -42.3% | ||
| Q1 25 | 10.0% | -34.7% | ||
| Q4 24 | 394.0% | -37.5% | ||
| Q3 24 | 49.0% | -9.7% | ||
| Q2 24 | 278.6% | -29.1% | ||
| Q1 24 | -71.8% | -6.7% |
| Q4 25 | 4.0% | 0.0% | ||
| Q3 25 | 1.3% | 0.2% | ||
| Q2 25 | 1.0% | 3.3% | ||
| Q1 25 | 0.3% | 5.3% | ||
| Q4 24 | 16.7% | 3.5% | ||
| Q3 24 | 6.7% | 0.6% | ||
| Q2 24 | 5.9% | 0.5% | ||
| Q1 24 | 4.8% | 0.1% |
| 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
LCNB
Segment breakdown not available.
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
