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LCNB CORP（LCNB）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是LCNB CORP的2.0倍（$47.1M vs $23.9M），LCNB CORP净利率更高（23.7% vs -33.9%，领先57.6%），LCNB CORP同比增速更快（5.1% vs -15.6%），过去两年STEM, INC.的营收复合增速更高（36.1% 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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
LCNB vs STEM — 直观对比
营收规模更大
STEM
是对方的2.0倍
$23.9M
营收增速更快
LCNB
高出20.6%
-15.6%
净利率更高
LCNB
高出57.6%
-33.9%
两年增速更快
STEM
近两年复合增速
15.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $23.9M | $47.1M |
| 净利润 | $5.7M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 29.2% | -17.7% |
| 净利率 | 23.7% | -33.9% |
| 营收同比 | 5.1% | -15.6% |
| 净利润同比 | -7.6% | 68.8% |
| 每股收益（稀释后） | $0.40 | $-4.40 |
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LCNBSTEM
| 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 |
净利润LCNBSTEM
| 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 |
毛利率LCNBSTEM
| 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% |
营业利润率LCNBSTEM
| 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% |
净利率LCNBSTEM
| 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% |
每股收益（稀释后）LCNBSTEM
| 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 |
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 | $48.9M |
| 总债务越低越好 | $104.4M | — |
| 股东权益账面价值 | $273.9M | $-249.4M |
| 总资产 | $2.2B | $308.9M |
| 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LCNBSTEM
| 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 |
总债务LCNBSTEM
| 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LCNBSTEM
| 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 |
总资产LCNBSTEM
| 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 |
负债/权益比LCNBSTEM
| 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 | $8.2M |
| 自由现金流经营现金流 - 资本支出 | $33.4M | — |
| 自由现金流率自由现金流/营收 | 140.2% | — |
| 资本支出强度资本支出/营收 | 4.0% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流LCNBSTEM
| 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 |
自由现金流LCNBSTEM
| 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 | — |
自由现金流率LCNBSTEM
| 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% | — |
资本支出强度LCNBSTEM
| 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% | — |
现金转化率LCNBSTEM
| 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× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
