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LCNB CORP（LCNB）与泛美白银（USAS）财务数据对比。点击上方公司名可切换其他公司
LCNB CORP的季度营收约是泛美白银的1.3倍（$23.9M vs $19.1M），LCNB CORP净利率更高（23.7% vs -82.3%，领先106.0%），LCNB CORP同比增速更快（5.1% vs -28.0%），LCNB CORP自由现金流更多（$33.4M vs $-41.3M）
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。
泛美白银是一家总部位于加拿大的矿业企业，业务布局集中在拉丁美洲，在墨西哥、秘鲁、玻利维亚、阿根廷多国持有运营矿山及其他矿产开发项目，是美洲地区重要的贵金属开采企业。
LCNB vs USAS — 直观对比
营收规模更大
LCNB
是对方的1.3倍
$19.1M
营收增速更快
LCNB
高出33.1%
-28.0%
净利率更高
LCNB
高出106.0%
-82.3%
自由现金流更多
LCNB
多$74.7M
$-41.3M
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $23.9M | $19.1M |
| 净利润 | $5.7M | $-15.7M |
| 毛利率 | — | 34.2% |
| 营业利润率 | 29.2% | — |
| 净利率 | 23.7% | -82.3% |
| 营收同比 | 5.1% | -28.0% |
| 净利润同比 | -7.6% | 2.8% |
| 每股收益（稀释后） | $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LCNBUSAS
| Q4 25 | $23.9M | — | ||
| Q3 25 | $23.8M | $19.1M | ||
| Q2 25 | $22.8M | — | ||
| Q1 25 | $21.5M | — | ||
| Q4 24 | $22.7M | — | ||
| Q3 24 | $21.4M | $26.5M | ||
| Q2 24 | $19.3M | — | ||
| Q1 24 | $17.8M | — |
净利润LCNBUSAS
| Q4 25 | $5.7M | — | ||
| Q3 25 | $6.9M | $-15.7M | ||
| Q2 25 | $5.9M | — | ||
| Q1 25 | $4.6M | — | ||
| Q4 24 | $6.1M | — | ||
| Q3 24 | $4.5M | $-16.2M | ||
| Q2 24 | $925.0K | — | ||
| Q1 24 | $1.9M | — |
毛利率LCNBUSAS
| Q4 25 | — | — | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.6% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率LCNBUSAS
| Q4 25 | 29.2% | — | ||
| Q3 25 | 35.6% | — | ||
| Q2 25 | 31.6% | — | ||
| Q1 25 | 25.6% | — | ||
| Q4 24 | 32.9% | — | ||
| Q3 24 | 24.9% | — | ||
| Q2 24 | 4.9% | — | ||
| Q1 24 | 12.5% | — |
净利率LCNBUSAS
| Q4 25 | 23.7% | — | ||
| Q3 25 | 29.1% | -82.3% | ||
| Q2 25 | 26.0% | — | ||
| Q1 25 | 21.4% | — | ||
| Q4 24 | 27.0% | — | ||
| Q3 24 | 21.2% | -60.9% | ||
| Q2 24 | 4.8% | — | ||
| Q1 24 | 10.7% | — |
每股收益（稀释后）LCNBUSAS
| Q4 25 | $0.40 | — | ||
| Q3 25 | $0.49 | — | ||
| Q2 25 | $0.41 | — | ||
| Q1 25 | $0.33 | — | ||
| Q4 24 | $0.44 | — | ||
| Q3 24 | $0.31 | — | ||
| Q2 24 | $0.07 | — | ||
| Q1 24 | $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 | $21.6M | $39.1M |
| 总债务越低越好 | $104.4M | — |
| 股东权益账面价值 | $273.9M | $50.2M |
| 总资产 | $2.2B | $234.7M |
| 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LCNBUSAS
| Q4 25 | $21.6M | — | ||
| Q3 25 | $35.9M | $39.1M | ||
| 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LCNBUSAS
| 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LCNBUSAS
| Q4 25 | $273.9M | — | ||
| Q3 25 | $269.9M | $50.2M | ||
| Q2 25 | $263.5M | — | ||
| Q1 25 | $258.7M | — | ||
| Q4 24 | $253.0M | — | ||
| Q3 24 | $253.2M | $53.1M | ||
| Q2 24 | $245.2M | — | ||
| Q1 24 | $233.7M | — |
总资产LCNBUSAS
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | $234.7M | ||
| Q2 25 | $2.3B | — | ||
| Q1 25 | $2.3B | — | ||
| Q4 24 | $2.3B | — | ||
| Q3 24 | $2.3B | — | ||
| Q2 24 | $2.4B | — | ||
| Q1 24 | $2.3B | — |
负债/权益比LCNBUSAS
| 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 | $-12.5M |
| 自由现金流经营现金流 - 资本支出 | $33.4M | $-41.3M |
| 自由现金流率自由现金流/营收 | 140.2% | -216.5% |
| 资本支出强度资本支出/营收 | 4.0% | 150.8% |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流LCNBUSAS
| Q4 25 | $34.4M | — | ||
| Q3 25 | $14.0M | $-12.5M | ||
| Q2 25 | $5.5M | — | ||
| Q1 25 | $2.2M | — | ||
| Q4 24 | $93.2M | — | ||
| Q3 24 | $11.9M | $2.4M | ||
| Q2 24 | $54.9M | — | ||
| Q1 24 | $-11.9M | — |
自由现金流LCNBUSAS
| Q4 25 | $33.4M | — | ||
| Q3 25 | $13.7M | $-41.3M | ||
| Q2 25 | $5.2M | — | ||
| Q1 25 | $2.1M | — | ||
| Q4 24 | $89.4M | — | ||
| Q3 24 | $10.5M | $-11.2M | ||
| Q2 24 | $53.8M | — | ||
| Q1 24 | $-12.8M | — |
自由现金流率LCNBUSAS
| Q4 25 | 140.2% | — | ||
| Q3 25 | 57.4% | -216.5% | ||
| Q2 25 | 23.0% | — | ||
| Q1 25 | 10.0% | — | ||
| Q4 24 | 394.0% | — | ||
| Q3 24 | 49.0% | -42.2% | ||
| Q2 24 | 278.6% | — | ||
| Q1 24 | -71.8% | — |
资本支出强度LCNBUSAS
| Q4 25 | 4.0% | — | ||
| Q3 25 | 1.3% | 150.8% | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 16.7% | — | ||
| Q3 24 | 6.7% | 51.2% | ||
| Q2 24 | 5.9% | — | ||
| Q1 24 | 4.8% | — |
现金转化率LCNBUSAS
| 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× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
