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FIDELITY D & D BANCORP INC（FDBC）与LCNB CORP（LCNB）财务数据对比。点击上方公司名可切换其他公司
FIDELITY D & D BANCORP INC的季度营收约是LCNB CORP的1.0倍（$24.4M vs $23.9M），FIDELITY D & D BANCORP INC净利率更高（32.5% vs 23.7%，领先8.8%），FIDELITY D & D BANCORP INC同比增速更快（15.0% vs 5.1%），LCNB CORP自由现金流更多（$33.4M vs $24.8M），过去两年LCNB CORP的营收复合增速更高（15.7% vs 11.8%）
Fidelity D & D Bancorp Inc是一家总部位于美国的地区性银行控股公司，主要在宾夕法尼亚州东北部开展业务，为个人消费者、小微企业及当地社区客户提供存款账户、消费及商业贷款、抵押贷款、财富管理等综合零售及商业银行服务。
LCNB集团是总部位于美国的金融控股公司，通过旗下附属国民银行开展业务，主要为俄亥俄州区域市场的个人消费者、中小企业及本地社区机构提供零售与商业银行产品、财富管理及保险相关服务。
FDBC vs LCNB — 直观对比
营收规模更大
FDBC
是对方的1.0倍
$23.9M
营收增速更快
FDBC
高出9.9%
5.1%
净利率更高
FDBC
高出8.8%
23.7%
自由现金流更多
LCNB
多$8.6M
$24.8M
两年增速更快
LCNB
近两年复合增速
11.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $24.4M | $23.9M |
| 净利润 | $7.9M | $5.7M |
| 毛利率 | — | — |
| 营业利润率 | 37.7% | 29.2% |
| 净利率 | 32.5% | 23.7% |
| 营收同比 | 15.0% | 5.1% |
| 净利润同比 | 36.1% | -7.6% |
| 每股收益（稀释后） | $1.29 | $0.40 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收FDBCLCNB
| Q4 25 | $24.4M | $23.9M | ||
| Q3 25 | $23.5M | $23.8M | ||
| Q2 25 | $23.3M | $22.8M | ||
| Q1 25 | $22.0M | $21.5M | ||
| Q4 24 | $21.2M | $22.7M | ||
| Q3 24 | $20.4M | $21.4M | ||
| Q2 24 | $19.7M | $19.3M | ||
| Q1 24 | $19.5M | $17.8M |
净利润FDBCLCNB
| Q4 25 | $7.9M | $5.7M | ||
| Q3 25 | $7.3M | $6.9M | ||
| Q2 25 | $6.9M | $5.9M | ||
| Q1 25 | $6.0M | $4.6M | ||
| Q4 24 | $5.8M | $6.1M | ||
| Q3 24 | $5.0M | $4.5M | ||
| Q2 24 | $4.9M | $925.0K | ||
| Q1 24 | $5.1M | $1.9M |
营业利润率FDBCLCNB
| Q4 25 | 37.7% | 29.2% | ||
| Q3 25 | 36.5% | 35.6% | ||
| Q2 25 | 35.5% | 31.6% | ||
| Q1 25 | 32.2% | 25.6% | ||
| Q4 24 | 31.4% | 32.9% | ||
| Q3 24 | 28.2% | 24.9% | ||
| Q2 24 | 28.9% | 4.9% | ||
| Q1 24 | 29.5% | 12.5% |
净利率FDBCLCNB
| Q4 25 | 32.5% | 23.7% | ||
| Q3 25 | 31.2% | 29.1% | ||
| Q2 25 | 29.7% | 26.0% | ||
| Q1 25 | 27.2% | 21.4% | ||
| Q4 24 | 27.5% | 27.0% | ||
| Q3 24 | 24.3% | 21.2% | ||
| Q2 24 | 25.0% | 4.8% | ||
| Q1 24 | 25.9% | 10.7% |
每股收益（稀释后）FDBCLCNB
| Q4 25 | $1.29 | $0.40 | ||
| Q3 25 | $1.27 | $0.49 | ||
| Q2 25 | $1.27 | $0.41 | ||
| Q1 25 | $1.03 | $0.33 | ||
| Q4 24 | $1.00 | $0.44 | ||
| Q3 24 | $0.86 | $0.31 | ||
| Q2 24 | $0.86 | $0.07 | ||
| Q1 24 | $0.88 | $0.15 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $148.1M | $21.6M |
| 总债务越低越好 | — | $104.4M |
| 股东权益账面价值 | $238.9M | $273.9M |
| 总资产 | $2.7B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.38× |
8季度趋势，按日历期对齐
现金及短期投资FDBCLCNB
| Q4 25 | $148.1M | $21.6M | ||
| Q3 25 | $142.2M | $35.9M | ||
| Q2 25 | $165.5M | $49.8M | ||
| Q1 25 | $211.2M | $37.7M | ||
| Q4 24 | $83.4M | $35.7M | ||
| Q3 24 | $120.2M | $39.4M | ||
| Q2 24 | $78.1M | $34.9M | ||
| Q1 24 | $72.7M | $33.0M |
总债务FDBCLCNB
| 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 |
股东权益FDBCLCNB
| Q4 25 | $238.9M | $273.9M | ||
| Q3 25 | $229.2M | $269.9M | ||
| Q2 25 | $217.9M | $263.5M | ||
| Q1 25 | $211.7M | $258.7M | ||
| Q4 24 | $204.0M | $253.0M | ||
| Q3 24 | $207.3M | $253.2M | ||
| Q2 24 | $195.7M | $245.2M | ||
| Q1 24 | $191.6M | $233.7M |
总资产FDBCLCNB
| Q4 25 | $2.7B | $2.2B | ||
| Q3 25 | $2.7B | $2.2B | ||
| Q2 25 | $2.7B | $2.3B | ||
| Q1 25 | $2.7B | $2.3B | ||
| Q4 24 | $2.6B | $2.3B | ||
| Q3 24 | $2.6B | $2.3B | ||
| Q2 24 | $2.5B | $2.4B | ||
| Q1 24 | $2.5B | $2.3B |
负债/权益比FDBCLCNB
| 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× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $42.4M | $34.4M |
| 自由现金流经营现金流 - 资本支出 | $24.8M | $33.4M |
| 自由现金流率自由现金流/营收 | 101.7% | 140.2% |
| 资本支出强度资本支出/营收 | 71.9% | 4.0% |
| 现金转化率经营现金流/净利润 | 5.34× | 6.08× |
| 过去12个月自由现金流最近4个季度 | $45.4M | $54.5M |
8季度趋势，按日历期对齐
经营现金流FDBCLCNB
| Q4 25 | $42.4M | $34.4M | ||
| Q3 25 | $8.4M | $14.0M | ||
| Q2 25 | $12.6M | $5.5M | ||
| Q1 25 | $11.7M | $2.2M | ||
| Q4 24 | $29.6M | $93.2M | ||
| Q3 24 | $9.1M | $11.9M | ||
| Q2 24 | $8.7M | $54.9M | ||
| Q1 24 | $5.3M | $-11.9M |
自由现金流FDBCLCNB
| Q4 25 | $24.8M | $33.4M | ||
| Q3 25 | $2.2M | $13.7M | ||
| Q2 25 | $6.9M | $5.2M | ||
| Q1 25 | $11.5M | $2.1M | ||
| Q4 24 | $24.9M | $89.4M | ||
| Q3 24 | $7.8M | $10.5M | ||
| Q2 24 | $7.2M | $53.8M | ||
| Q1 24 | $4.0M | $-12.8M |
自由现金流率FDBCLCNB
| Q4 25 | 101.7% | 140.2% | ||
| Q3 25 | 9.3% | 57.4% | ||
| Q2 25 | 29.6% | 23.0% | ||
| Q1 25 | 52.3% | 10.0% | ||
| Q4 24 | 117.3% | 394.0% | ||
| Q3 24 | 38.1% | 49.0% | ||
| Q2 24 | 36.6% | 278.6% | ||
| Q1 24 | 20.7% | -71.8% |
资本支出强度FDBCLCNB
| Q4 25 | 71.9% | 4.0% | ||
| Q3 25 | 26.5% | 1.3% | ||
| Q2 25 | 24.4% | 1.0% | ||
| Q1 25 | 0.8% | 0.3% | ||
| Q4 24 | 22.0% | 16.7% | ||
| Q3 24 | 6.3% | 6.7% | ||
| Q2 24 | 7.5% | 5.9% | ||
| Q1 24 | 6.7% | 4.8% |
现金转化率FDBCLCNB
| Q4 25 | 5.34× | 6.08× | ||
| Q3 25 | 1.15× | 2.02× | ||
| Q2 25 | 1.82× | 0.92× | ||
| Q1 25 | 1.95× | 0.48× | ||
| Q4 24 | 5.07× | 15.23× | ||
| Q3 24 | 1.83× | 2.63× | ||
| Q2 24 | 1.76× | 59.35× | ||
| Q1 24 | 1.05× | -6.24× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
