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LCNB CORP（LCNB）与SOUTHERN FIRST BANCSHARES INC（SFST）财务数据对比。点击上方公司名可切换其他公司
SOUTHERN FIRST BANCSHARES INC的季度营收约是LCNB CORP的1.3倍（$31.8M vs $23.9M），SOUTHERN FIRST BANCSHARES INC同比增速更快（26.1% vs 5.1%），LCNB CORP自由现金流更多（$33.4M vs $29.9M），过去两年SOUTHERN FIRST BANCSHARES INC的营收复合增速更高（22.2% vs 15.7%）
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。
第一社区银行股份公司是一家美国银行控股公司，为弗吉尼亚州布卢菲尔德第一社区银行的母公司。截至2012年，该公司旗下银行在弗吉尼亚、西弗吉尼亚和北卡罗来纳共设有45个网点，另有2个网点以人民社区银行名义在田纳西州运营，截至2023年4月，公司总资产达36亿美元。
LCNB vs SFST — 直观对比
营收规模更大
SFST
是对方的1.3倍
$23.9M
营收增速更快
SFST
高出21.0%
5.1%
自由现金流更多
LCNB
多$3.6M
$29.9M
两年增速更快
SFST
近两年复合增速
15.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $23.9M | $31.8M |
| 净利润 | $5.7M | — |
| 毛利率 | — | — |
| 营业利润率 | 29.2% | 40.1% |
| 净利率 | 23.7% | — |
| 营收同比 | 5.1% | 26.1% |
| 净利润同比 | -7.6% | — |
| 每股收益（稀释后） | $0.40 | $1.19 |
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LCNBSFST
| Q4 25 | $23.9M | $31.8M | ||
| Q3 25 | $23.8M | $31.1M | ||
| Q2 25 | $22.8M | $28.6M | ||
| Q1 25 | $21.5M | $26.5M | ||
| Q4 24 | $22.7M | $25.2M | ||
| Q3 24 | $21.4M | $23.8M | ||
| Q2 24 | $19.3M | $23.1M | ||
| Q1 24 | $17.8M | $21.3M |
净利润LCNBSFST
| Q4 25 | $5.7M | — | ||
| Q3 25 | $6.9M | $8.7M | ||
| Q2 25 | $5.9M | $6.6M | ||
| Q1 25 | $4.6M | $5.3M | ||
| Q4 24 | $6.1M | — | ||
| Q3 24 | $4.5M | $4.4M | ||
| Q2 24 | $925.0K | $3.0M | ||
| Q1 24 | $1.9M | $2.5M |
营业利润率LCNBSFST
| Q4 25 | 29.2% | 40.1% | ||
| Q3 25 | 35.6% | 36.4% | ||
| Q2 25 | 31.6% | 30.0% | ||
| Q1 25 | 25.6% | 26.1% | ||
| Q4 24 | 32.9% | 27.3% | ||
| Q3 24 | 24.9% | 24.1% | ||
| Q2 24 | 4.9% | 17.0% | ||
| Q1 24 | 12.5% | 15.9% |
净利率LCNBSFST
| Q4 25 | 23.7% | — | ||
| Q3 25 | 29.1% | 27.8% | ||
| Q2 25 | 26.0% | 23.0% | ||
| Q1 25 | 21.4% | 19.9% | ||
| Q4 24 | 27.0% | — | ||
| Q3 24 | 21.2% | 18.4% | ||
| Q2 24 | 4.8% | 13.0% | ||
| Q1 24 | 10.7% | 11.8% |
每股收益（稀释后）LCNBSFST
| Q4 25 | $0.40 | $1.19 | ||
| Q3 25 | $0.49 | $1.07 | ||
| Q2 25 | $0.41 | $0.81 | ||
| Q1 25 | $0.33 | $0.65 | ||
| Q4 24 | $0.44 | $0.69 | ||
| Q3 24 | $0.31 | $0.54 | ||
| Q2 24 | $0.07 | $0.37 | ||
| Q1 24 | $0.15 | $0.31 |
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 | $21.6M | — |
| 总债务越低越好 | $104.4M | — |
| 股东权益账面价值 | $273.9M | $368.7M |
| 总资产 | $2.2B | $4.4B |
| 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LCNBSFST
| Q4 25 | $21.6M | — | ||
| Q3 25 | $35.9M | — | ||
| Q2 25 | $49.8M | — | ||
| Q1 25 | $37.7M | — | ||
| Q4 24 | $35.7M | — | ||
| Q3 24 | $39.4M | — | ||
| Q2 24 | $34.9M | — | ||
| Q1 24 | $33.0M | — |
总债务LCNBSFST
| 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LCNBSFST
| Q4 25 | $273.9M | $368.7M | ||
| Q3 25 | $269.9M | $356.3M | ||
| Q2 25 | $263.5M | $345.5M | ||
| Q1 25 | $258.7M | $337.6M | ||
| Q4 24 | $253.0M | $330.4M | ||
| Q3 24 | $253.2M | $326.5M | ||
| Q2 24 | $245.2M | $318.7M | ||
| Q1 24 | $233.7M | $315.3M |
总资产LCNBSFST
| Q4 25 | $2.2B | $4.4B | ||
| Q3 25 | $2.2B | $4.4B | ||
| Q2 25 | $2.3B | $4.3B | ||
| Q1 25 | $2.3B | $4.3B | ||
| Q4 24 | $2.3B | $4.1B | ||
| Q3 24 | $2.3B | $4.2B | ||
| Q2 24 | $2.4B | $4.1B | ||
| Q1 24 | $2.3B | $4.1B |
负债/权益比LCNBSFST
| 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 | $34.4M | $30.5M |
| 自由现金流经营现金流 - 资本支出 | $33.4M | $29.9M |
| 自由现金流率自由现金流/营收 | 140.2% | 93.8% |
| 资本支出强度资本支出/营收 | 4.0% | 1.8% |
| 现金转化率经营现金流/净利润 | 6.08× | — |
| 过去12个月自由现金流最近4个季度 | $54.5M | $62.1M |
8季度趋势，按日历期对齐
经营现金流LCNBSFST
| Q4 25 | $34.4M | $30.5M | ||
| Q3 25 | $14.0M | $14.5M | ||
| Q2 25 | $5.5M | $10.5M | ||
| Q1 25 | $2.2M | $7.6M | ||
| Q4 24 | $93.2M | $25.6M | ||
| Q3 24 | $11.9M | $26.3M | ||
| Q2 24 | $54.9M | $4.0M | ||
| Q1 24 | $-11.9M | $-2.9M |
自由现金流LCNBSFST
| Q4 25 | $33.4M | $29.9M | ||
| Q3 25 | $13.7M | $14.4M | ||
| Q2 25 | $5.2M | $10.4M | ||
| Q1 25 | $2.1M | $7.4M | ||
| Q4 24 | $89.4M | $24.8M | ||
| Q3 24 | $10.5M | $26.1M | ||
| Q2 24 | $53.8M | $3.9M | ||
| Q1 24 | $-12.8M | $-3.2M |
自由现金流率LCNBSFST
| Q4 25 | 140.2% | 93.8% | ||
| Q3 25 | 57.4% | 46.3% | ||
| Q2 25 | 23.0% | 36.3% | ||
| Q1 25 | 10.0% | 28.1% | ||
| Q4 24 | 394.0% | 98.2% | ||
| Q3 24 | 49.0% | 110.0% | ||
| Q2 24 | 278.6% | 16.8% | ||
| Q1 24 | -71.8% | -15.0% |
资本支出强度LCNBSFST
| Q4 25 | 4.0% | 1.8% | ||
| Q3 25 | 1.3% | 0.3% | ||
| Q2 25 | 1.0% | 0.3% | ||
| Q1 25 | 0.3% | 0.5% | ||
| Q4 24 | 16.7% | 3.1% | ||
| Q3 24 | 6.7% | 0.8% | ||
| Q2 24 | 5.9% | 0.4% | ||
| Q1 24 | 4.8% | 1.3% |
现金转化率LCNBSFST
| Q4 25 | 6.08× | — | ||
| Q3 25 | 2.02× | 1.67× | ||
| Q2 25 | 0.92× | 1.59× | ||
| Q1 25 | 0.48× | 1.44× | ||
| Q4 24 | 15.23× | — | ||
| Q3 24 | 2.63× | 6.01× | ||
| Q2 24 | 59.35× | 1.32× | ||
| Q1 24 | -6.24× | -1.16× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
