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First Bancorp vs Lcnb: FNLC and LCNB compared

First Bancorp is the larger company: $27.5M of revenue in its latest quarter (Q3 2026) against $25.0M for Lcnb (Q3 2026). First Bancorp is growing faster (+12% against +5% a year earlier). First Bancorp is more profitable, with an operating margin of 47.1% against 35.9%.

First Bancorp vs Lcnb, latest quarterFirst Bancorp vs Lcnb, latest quarterFirst Bancorp (FNLC)Lcnb (LCNB)Revenue$27.5M$25.0MRevenue growth, Y/Y+12%+5%Operating margin47.1%35.9%Net margin38.8%29.2%Free cash flow$9.5M$10.2M

Where the money goes: FNLC and LCNB

First Bancorp (FNLC) · Q3 2026

First Bancorp, Q3 2026: revenue $27.5M (+12% year over year), operating margin 47.1%, net earnings $10.7M, operating cash flow $9.6M. The chart follows the revenue to costs, profit and cash.

Lcnb (LCNB) · Q3 2026

Lcnb, Q3 2026: revenue $25.0M (+5% year over year), operating margin 35.9%, net earnings $7.3M, operating cash flow $10.9M. The chart follows the revenue to costs, profit and cash.

First Bancorp revenue by segment, Q3 2026First Bancorp revenue by segment, Q3 2026Net interest income$22.5MNoninterest income$5.0M
Lcnb revenue by segment, Q3 2026Lcnb revenue by segment, Q3 2026Net interest income$19.7MNoninterest income$5.3M
First Bancorp (FNLC)Lcnb (LCNB)
Latest quarterQ3 2026Q3 2026
Revenue$27.5M$25.0M
Revenue growth, Y/Y+12%+5%
Operating margin47.1%35.9%
Net earnings$10.7M$7.3M
Net margin38.8%29.2%
Operating cash flow$9.6M$10.9M
Free cash flow$9.5M$10.2M
Market value$372M—
P/E9.4×—

Where the revenue comes from

First Bancorp

Lcnb

Questions

Which is bigger, First Bancorp or Lcnb?

First Bancorp is the larger company: $27.5M of revenue in its latest quarter (Q3 2026) against $25.0M for Lcnb (Q3 2026).

Is First Bancorp or Lcnb growing faster?

First Bancorp is growing faster (+12% against +5% a year earlier).

Which is more profitable, First Bancorp or Lcnb?

First Bancorp is more profitable, with an operating margin of 47.1% against 35.9%.

More: First Bancorp earnings · how First Bancorp makes money · Lcnb earnings · how Lcnb makes money

From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 4, 2026). Fiscal quarters can end on different dates. Not investment advice.