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Side-by-side financial comparison of LCNB CORP (LCNB) and YORK WATER CO (YORW). Click either name above to swap in a different company.
LCNB CORP is the larger business by last-quarter revenue ($23.9M vs $19.4M, roughly 1.2× YORK WATER CO). YORK WATER CO runs the higher net margin — 26.7% vs 23.7%, a 3.0% gap on every dollar of revenue. On growth, LCNB CORP posted the faster year-over-year revenue change (5.1% vs 3.2%). Over the past eight quarters, LCNB CORP's revenue compounded faster (15.7% CAGR vs 5.1%).
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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
LCNB vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.9M | $19.4M |
| Net Profit | $5.7M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 29.2% | 33.2% |
| Net Margin | 23.7% | 26.7% |
| Revenue YoY | 5.1% | 3.2% |
| Net Profit YoY | -7.6% | 0.5% |
| EPS (diluted) | $0.40 | $0.36 |
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 | $19.4M | ||
| Q3 25 | $23.8M | $20.2M | ||
| Q2 25 | $22.8M | $19.1M | ||
| Q1 25 | $21.5M | $18.3M | ||
| Q4 24 | $22.7M | $18.8M | ||
| Q3 24 | $21.4M | $19.6M | ||
| Q2 24 | $19.3M | $18.6M | ||
| Q1 24 | $17.8M | $17.5M |
| Q4 25 | $5.7M | $5.2M | ||
| Q3 25 | $6.9M | $6.2M | ||
| Q2 25 | $5.9M | $5.1M | ||
| Q1 25 | $4.6M | $3.6M | ||
| Q4 24 | $6.1M | $5.1M | ||
| Q3 24 | $4.5M | $5.9M | ||
| Q2 24 | $925.0K | $5.0M | ||
| Q1 24 | $1.9M | $4.3M |
| Q4 25 | 29.2% | 33.2% | ||
| Q3 25 | 35.6% | 39.1% | ||
| Q2 25 | 31.6% | 37.1% | ||
| Q1 25 | 25.6% | 34.3% | ||
| Q4 24 | 32.9% | 35.8% | ||
| Q3 24 | 24.9% | 41.1% | ||
| Q2 24 | 4.9% | 37.9% | ||
| Q1 24 | 12.5% | 35.5% |
| Q4 25 | 23.7% | 26.7% | ||
| Q3 25 | 29.1% | 30.6% | ||
| Q2 25 | 26.0% | 26.5% | ||
| Q1 25 | 21.4% | 19.8% | ||
| Q4 24 | 27.0% | 27.4% | ||
| Q3 24 | 21.2% | 29.9% | ||
| Q2 24 | 4.8% | 26.8% | ||
| Q1 24 | 10.7% | 24.7% |
| Q4 25 | $0.40 | $0.36 | ||
| Q3 25 | $0.49 | $0.43 | ||
| Q2 25 | $0.41 | $0.35 | ||
| Q1 25 | $0.33 | $0.25 | ||
| Q4 24 | $0.44 | $0.36 | ||
| Q3 24 | $0.31 | $0.41 | ||
| Q2 24 | $0.07 | $0.35 | ||
| Q1 24 | $0.15 | $0.30 |
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 | $1.0K |
| Total DebtLower is stronger | $104.4M | — |
| Stockholders' EquityBook value | $273.9M | $240.3M |
| Total Assets | $2.2B | $680.9M |
| Debt / EquityLower = less leverage | 0.38× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.6M | $1.0K | ||
| Q3 25 | $35.9M | $1.0K | ||
| Q2 25 | $49.8M | $1.0K | ||
| Q1 25 | $37.7M | $1.0K | ||
| Q4 24 | $35.7M | $1.0K | ||
| Q3 24 | $39.4M | $1.0K | ||
| Q2 24 | $34.9M | $1.0K | ||
| Q1 24 | $33.0M | $3.3M |
| 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 | $240.3M | ||
| Q3 25 | $269.9M | $238.0M | ||
| Q2 25 | $263.5M | $234.6M | ||
| Q1 25 | $258.7M | $232.1M | ||
| Q4 24 | $253.0M | $231.2M | ||
| Q3 24 | $253.2M | $228.7M | ||
| Q2 24 | $245.2M | $225.4M | ||
| Q1 24 | $233.7M | $222.9M |
| Q4 25 | $2.2B | $680.9M | ||
| Q3 25 | $2.2B | $667.1M | ||
| Q2 25 | $2.3B | $653.7M | ||
| Q1 25 | $2.3B | $641.8M | ||
| Q4 24 | $2.3B | $633.5M | ||
| Q3 24 | $2.3B | $621.4M | ||
| Q2 24 | $2.4B | $610.4M | ||
| Q1 24 | $2.3B | $602.3M |
| 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 | $8.4M |
| Free Cash FlowOCF − Capex | $33.4M | — |
| FCF MarginFCF / Revenue | 140.2% | — |
| Capex IntensityCapex / Revenue | 4.0% | — |
| Cash ConversionOCF / Net Profit | 6.08× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $54.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.4M | $8.4M | ||
| Q3 25 | $14.0M | $7.8M | ||
| Q2 25 | $5.5M | $7.6M | ||
| Q1 25 | $2.2M | $6.0M | ||
| Q4 24 | $93.2M | $10.2M | ||
| Q3 24 | $11.9M | $7.5M | ||
| Q2 24 | $54.9M | $6.7M | ||
| Q1 24 | $-11.9M | $6.1M |
| 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× | 1.63× | ||
| Q3 25 | 2.02× | 1.26× | ||
| Q2 25 | 0.92× | 1.50× | ||
| Q1 25 | 0.48× | 1.65× | ||
| Q4 24 | 15.23× | 1.98× | ||
| Q3 24 | 2.63× | 1.29× | ||
| Q2 24 | 59.35× | 1.34× | ||
| Q1 24 | -6.24× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
