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Side-by-side financial comparison of LCNB CORP (LCNB) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $23.9M, roughly 2.0× LCNB CORP). LCNB CORP runs the higher net margin — 23.7% vs -33.9%, a 57.6% gap on every dollar of revenue. On growth, LCNB CORP posted the faster year-over-year revenue change (5.1% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% 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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
LCNB vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.9M | $47.1M |
| Net Profit | $5.7M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 29.2% | -17.7% |
| Net Margin | 23.7% | -33.9% |
| Revenue YoY | 5.1% | -15.6% |
| Net Profit YoY | -7.6% | 68.8% |
| EPS (diluted) | $0.40 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $23.8M | $38.2M | ||
| Q2 25 | $22.8M | $38.4M | ||
| Q1 25 | $21.5M | $32.5M | ||
| Q4 24 | $22.7M | $55.8M | ||
| Q3 24 | $21.4M | $29.3M | ||
| Q2 24 | $19.3M | $34.0M | ||
| Q1 24 | $17.8M | $25.5M |
| Q4 25 | $5.7M | $-16.0M | ||
| Q3 25 | $6.9M | $-23.8M | ||
| Q2 25 | $5.9M | $202.5M | ||
| Q1 25 | $4.6M | $-25.0M | ||
| Q4 24 | $6.1M | $-51.1M | ||
| Q3 24 | $4.5M | $-148.3M | ||
| Q2 24 | $925.0K | $-582.3M | ||
| Q1 24 | $1.9M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 29.2% | -17.7% | ||
| Q3 25 | 35.6% | -33.6% | ||
| Q2 25 | 31.6% | -34.8% | ||
| Q1 25 | 25.6% | -65.0% | ||
| Q4 24 | 32.9% | -84.4% | ||
| Q3 24 | 24.9% | -493.2% | ||
| Q2 24 | 4.9% | -1705.5% | ||
| Q1 24 | 12.5% | -267.0% |
| Q4 25 | 23.7% | -33.9% | ||
| Q3 25 | 29.1% | -62.2% | ||
| Q2 25 | 26.0% | 527.8% | ||
| Q1 25 | 21.4% | -76.9% | ||
| Q4 24 | 27.0% | -91.6% | ||
| Q3 24 | 21.2% | -506.3% | ||
| Q2 24 | 4.8% | -1712.6% | ||
| Q1 24 | 10.7% | -283.9% |
| Q4 25 | $0.40 | $-4.40 | ||
| Q3 25 | $0.49 | $-2.84 | ||
| Q2 25 | $0.41 | $-1.79 | ||
| Q1 25 | $0.33 | $-0.15 | ||
| Q4 24 | $0.44 | $-15.29 | ||
| Q3 24 | $0.31 | $-18.24 | ||
| Q2 24 | $0.07 | $-71.81 | ||
| Q1 24 | $0.15 | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | $104.4M | — |
| Stockholders' EquityBook value | $273.9M | $-249.4M |
| Total Assets | $2.2B | $308.9M |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.6M | $48.9M | ||
| Q3 25 | $35.9M | $43.1M | ||
| Q2 25 | $49.8M | $40.8M | ||
| Q1 25 | $37.7M | $58.6M | ||
| Q4 24 | $35.7M | $56.3M | ||
| Q3 24 | $39.4M | $75.4M | ||
| Q2 24 | $34.9M | $89.6M | ||
| Q1 24 | $33.0M | $112.8M |
| 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 | $-249.4M | ||
| Q3 25 | $269.9M | $-235.7M | ||
| Q2 25 | $263.5M | $-214.1M | ||
| Q1 25 | $258.7M | $-417.5M | ||
| Q4 24 | $253.0M | $-398.4M | ||
| Q3 24 | $253.2M | $-344.1M | ||
| Q2 24 | $245.2M | $-203.2M | ||
| Q1 24 | $233.7M | $371.6M |
| Q4 25 | $2.2B | $308.9M | ||
| Q3 25 | $2.2B | $362.6M | ||
| Q2 25 | $2.3B | $379.2M | ||
| Q1 25 | $2.3B | $405.1M | ||
| Q4 24 | $2.3B | $437.4M | ||
| Q3 24 | $2.3B | $537.8M | ||
| Q2 24 | $2.4B | $691.5M | ||
| Q1 24 | $2.3B | $1.3B |
| 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 | $8.2M |
| 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 | $34.4M | $8.2M | ||
| Q3 25 | $14.0M | $11.4M | ||
| Q2 25 | $5.5M | $-21.3M | ||
| Q1 25 | $2.2M | $8.5M | ||
| Q4 24 | $93.2M | $-14.7M | ||
| Q3 24 | $11.9M | $-9.4M | ||
| Q2 24 | $54.9M | $-11.9M | ||
| Q1 24 | $-11.9M | $-621.0K |
| 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× | -0.11× | ||
| 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.
