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Side-by-side financial comparison of LCNB CORP (LCNB) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
LCNB CORP is the larger business by last-quarter revenue ($23.9M vs $18.6M, roughly 1.3× Zeo Energy Corp.). LCNB CORP runs the higher net margin — 23.7% vs -10.8%, a 34.5% gap on every dollar of revenue. On growth, LCNB CORP posted the faster year-over-year revenue change (5.1% vs -0.4%). LCNB CORP produced more free cash flow last quarter ($33.4M vs $2.3M). Over the past eight quarters, LCNB CORP's revenue compounded faster (15.7% CAGR vs -4.0%).
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.
LCNB vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.9M | $18.6M |
| Net Profit | $5.7M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 29.2% | -11.8% |
| Net Margin | 23.7% | -10.8% |
| Revenue YoY | 5.1% | -0.4% |
| Net Profit YoY | -7.6% | -360.9% |
| 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 | $18.6M | ||
| Q3 25 | $23.8M | $23.9M | ||
| Q2 25 | $22.8M | $18.1M | ||
| Q1 25 | $21.5M | $8.8M | ||
| Q4 24 | $22.7M | $18.6M | ||
| Q3 24 | $21.4M | $19.7M | ||
| Q2 24 | $19.3M | $14.8M | ||
| Q1 24 | $17.8M | $20.1M |
| Q4 25 | $5.7M | $-2.0M | ||
| Q3 25 | $6.9M | $-3.2M | ||
| Q2 25 | $5.9M | $-2.4M | ||
| Q1 25 | $4.6M | $-6.4M | ||
| Q4 24 | $6.1M | $-435.3K | ||
| Q3 24 | $4.5M | $-424.3K | ||
| Q2 24 | $925.0K | $-277.8K | ||
| Q1 24 | $1.9M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 29.2% | -11.8% | ||
| Q3 25 | 35.6% | -8.3% | ||
| Q2 25 | 31.6% | -15.8% | ||
| Q1 25 | 25.6% | -153.8% | ||
| Q4 24 | 32.9% | -6.0% | ||
| Q3 24 | 24.9% | -15.2% | ||
| Q2 24 | 4.9% | -18.0% | ||
| Q1 24 | 12.5% | -20.1% |
| Q4 25 | 23.7% | -10.8% | ||
| Q3 25 | 29.1% | -13.5% | ||
| Q2 25 | 26.0% | -13.3% | ||
| Q1 25 | 21.4% | -72.4% | ||
| Q4 24 | 27.0% | -2.3% | ||
| Q3 24 | 21.2% | -2.2% | ||
| Q2 24 | 4.8% | -1.9% | ||
| Q1 24 | 10.7% | -7.6% |
| Q4 25 | $0.40 | — | ||
| Q3 25 | $0.49 | — | ||
| Q2 25 | $0.41 | — | ||
| Q1 25 | $0.33 | $-0.48 | ||
| Q4 24 | $0.44 | $1.11 | ||
| Q3 24 | $0.31 | $-0.08 | ||
| Q2 24 | $0.07 | $0.03 | ||
| Q1 24 | $0.15 | $-1.54 |
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 | $6.1M |
| Total DebtLower is stronger | $104.4M | $79.1K |
| Stockholders' EquityBook value | $273.9M | $5.3M |
| Total Assets | $2.2B | $56.9M |
| Debt / EquityLower = less leverage | 0.38× | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.6M | $6.1M | ||
| Q3 25 | $35.9M | $3.9M | ||
| Q2 25 | $49.8M | $68.7K | ||
| Q1 25 | $37.7M | $2.9M | ||
| Q4 24 | $35.7M | $5.6M | ||
| Q3 24 | $39.4M | $4.3M | ||
| Q2 24 | $34.9M | $5.3M | ||
| Q1 24 | $33.0M | — |
| Q4 25 | $104.4M | $79.1K | ||
| Q3 25 | $104.7M | $84.6K | ||
| Q2 25 | $105.0M | $642.8K | ||
| Q1 25 | $104.6M | $715.4K | ||
| Q4 24 | $155.2M | $787.7K | ||
| Q3 24 | $155.7M | $858.6K | ||
| Q2 24 | $162.2M | $1.6M | ||
| Q1 24 | $162.6M | $748.8K |
| Q4 25 | $273.9M | $5.3M | ||
| Q3 25 | $269.9M | $-1.7M | ||
| Q2 25 | $263.5M | $-59.4M | ||
| Q1 25 | $258.7M | $-23.1M | ||
| Q4 24 | $253.0M | $-88.9M | ||
| Q3 24 | $253.2M | $-39.3M | ||
| Q2 24 | $245.2M | $-53.0M | ||
| Q1 24 | $233.7M | $-173.0M |
| Q4 25 | $2.2B | $56.9M | ||
| Q3 25 | $2.2B | $58.5M | ||
| Q2 25 | $2.3B | $46.2M | ||
| Q1 25 | $2.3B | $47.4M | ||
| Q4 24 | $2.3B | $61.0M | ||
| Q3 24 | $2.3B | $47.1M | ||
| Q2 24 | $2.4B | $49.1M | ||
| Q1 24 | $2.3B | $50.1M |
| Q4 25 | 0.38× | 0.01× | ||
| 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 | $2.4M |
| Free Cash FlowOCF − Capex | $33.4M | $2.3M |
| FCF MarginFCF / Revenue | 140.2% | 12.2% |
| Capex IntensityCapex / Revenue | 4.0% | 0.9% |
| Cash ConversionOCF / Net Profit | 6.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $54.5M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.4M | $2.4M | ||
| Q3 25 | $14.0M | $-6.6M | ||
| Q2 25 | $5.5M | $-2.3M | ||
| Q1 25 | $2.2M | $-2.3M | ||
| Q4 24 | $93.2M | $3.5M | ||
| Q3 24 | $11.9M | $162.2K | ||
| Q2 24 | $54.9M | $-2.2M | ||
| Q1 24 | $-11.9M | $-10.2M |
| Q4 25 | $33.4M | $2.3M | ||
| Q3 25 | $13.7M | $-6.8M | ||
| Q2 25 | $5.2M | $-2.7M | ||
| Q1 25 | $2.1M | $-2.6M | ||
| Q4 24 | $89.4M | $3.4M | ||
| Q3 24 | $10.5M | $116.5K | ||
| Q2 24 | $53.8M | $-2.3M | ||
| Q1 24 | $-12.8M | $-10.4M |
| Q4 25 | 140.2% | 12.2% | ||
| Q3 25 | 57.4% | -28.6% | ||
| Q2 25 | 23.0% | -15.0% | ||
| Q1 25 | 10.0% | -30.0% | ||
| Q4 24 | 394.0% | 18.2% | ||
| Q3 24 | 49.0% | 0.6% | ||
| Q2 24 | 278.6% | -15.6% | ||
| Q1 24 | -71.8% | -51.5% |
| Q4 25 | 4.0% | 0.9% | ||
| Q3 25 | 1.3% | 1.0% | ||
| Q2 25 | 1.0% | 2.4% | ||
| Q1 25 | 0.3% | 4.2% | ||
| Q4 24 | 16.7% | 0.5% | ||
| Q3 24 | 6.7% | 0.2% | ||
| Q2 24 | 5.9% | 0.7% | ||
| Q1 24 | 4.8% | 1.1% |
| 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.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
