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Side-by-side financial comparison of American Assets Trust, Inc. (AAT) and ACNB CORP (ACNB). Click either name above to swap in a different company.
ACNB CORP is the larger business by last-quarter revenue ($47.2M vs $9.6M, roughly 4.9× American Assets Trust, Inc.). On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs -5.5%). American Assets Trust, Inc. produced more free cash flow last quarter ($23.0M vs $12.6M). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs -5.2%).
Personal Assets Trust is a large British investment trust. The company is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index. The chairman is Iain Ferguson CBE.
ACNB Corp is a US-based financial holding company headquartered in Pennsylvania. It provides a full suite of financial solutions including retail and commercial banking, wealth management, trust services, and property & casualty insurance products. Its core market covers local communities, individual consumers, and small-to-medium enterprises across south-central Pennsylvania and northern Maryland.
AAT vs ACNB — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $9.6M | $47.2M |
| Net Profit | — | $10.8M |
| Gross Margin | — | — |
| Operating Margin | — | 27.9% |
| Net Margin | — | 22.9% |
| Revenue YoY | -5.5% | 42.2% |
| Net Profit YoY | — | 63.8% |
| EPS (diluted) | $0.06 | $1.10 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $9.6M | $47.2M | ||
| Q3 25 | $10.1M | $50.9M | ||
| Q2 25 | $10.2M | $50.3M | ||
| Q1 25 | $9.9M | $43.5M | ||
| Q4 24 | $10.2M | $33.2M | ||
| Q3 24 | $11.4M | $34.1M | ||
| Q2 24 | $10.6M | $33.3M | ||
| Q1 24 | $10.7M | $31.6M |
| Q4 25 | — | $10.8M | ||
| Q3 25 | $4.5M | $14.9M | ||
| Q2 25 | $5.5M | $11.6M | ||
| Q1 25 | $42.5M | $-272.0K | ||
| Q4 24 | — | $6.6M | ||
| Q3 24 | $16.7M | $7.2M | ||
| Q2 24 | $11.9M | $11.3M | ||
| Q1 24 | $19.3M | $6.8M |
| Q4 25 | — | 27.9% | ||
| Q3 25 | — | 37.2% | ||
| Q2 25 | — | 29.7% | ||
| Q1 25 | — | -1.3% | ||
| Q4 24 | — | 24.8% | ||
| Q3 24 | — | 27.6% | ||
| Q2 24 | — | 42.8% | ||
| Q1 24 | — | 26.9% |
| Q4 25 | — | 22.9% | ||
| Q3 25 | 44.6% | 29.2% | ||
| Q2 25 | 53.2% | 23.2% | ||
| Q1 25 | 429.3% | -0.6% | ||
| Q4 24 | — | 19.9% | ||
| Q3 24 | 145.5% | 21.1% | ||
| Q2 24 | 111.9% | 33.9% | ||
| Q1 24 | 179.4% | 21.4% |
| Q4 25 | $0.06 | $1.10 | ||
| Q3 25 | $0.07 | $1.42 | ||
| Q2 25 | $0.09 | $1.11 | ||
| Q1 25 | $0.70 | $-0.03 | ||
| Q4 24 | $0.14 | $0.77 | ||
| Q3 24 | $0.28 | $0.84 | ||
| Q2 24 | $0.20 | $1.32 | ||
| Q1 24 | $0.32 | $0.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $129.4M | $65.6M |
| Total DebtLower is stronger | $1.7B | $255.4M |
| Stockholders' EquityBook value | $1.2B | $420.0M |
| Total Assets | $2.9B | $3.2B |
| Debt / EquityLower = less leverage | 1.48× | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $129.4M | $65.6M | ||
| Q3 25 | $138.7M | $102.1M | ||
| Q2 25 | $143.7M | $103.1M | ||
| Q1 25 | $143.9M | $123.6M | ||
| Q4 24 | $425.7M | $47.3M | ||
| Q3 24 | $533.0M | $58.1M | ||
| Q2 24 | $114.9M | $86.3M | ||
| Q1 24 | $98.6M | $53.1M |
| Q4 25 | $1.7B | $255.4M | ||
| Q3 25 | — | $255.4M | ||
| Q2 25 | — | $255.4M | ||
| Q1 25 | — | $255.3M | ||
| Q4 24 | $2.0B | $255.3M | ||
| Q3 24 | — | $255.3M | ||
| Q2 24 | — | $255.3M | ||
| Q1 24 | — | $255.3M |
| Q4 25 | $1.2B | $420.0M | ||
| Q3 25 | $1.2B | $408.6M | ||
| Q2 25 | $1.2B | $395.2M | ||
| Q1 25 | $1.2B | $386.9M | ||
| Q4 24 | $1.2B | $303.3M | ||
| Q3 24 | $1.2B | $306.8M | ||
| Q2 24 | $1.2B | $289.3M | ||
| Q1 24 | $1.2B | $279.9M |
| Q4 25 | $2.9B | $3.2B | ||
| Q3 25 | $2.9B | $3.3B | ||
| Q2 25 | $3.0B | $3.3B | ||
| Q1 25 | $3.0B | $3.3B | ||
| Q4 24 | $3.3B | $2.4B | ||
| Q3 24 | $3.4B | $2.4B | ||
| Q2 24 | $3.0B | $2.5B | ||
| Q1 24 | $3.0B | $2.4B |
| Q4 25 | 1.48× | 0.61× | ||
| Q3 25 | — | 0.62× | ||
| Q2 25 | — | 0.65× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 1.72× | 0.84× | ||
| Q3 24 | — | 0.83× | ||
| Q2 24 | — | 0.88× | ||
| Q1 24 | — | 0.91× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $40.6M | $12.8M |
| Free Cash FlowOCF − Capex | $23.0M | $12.6M |
| FCF MarginFCF / Revenue | 238.4% | 26.7% |
| Capex IntensityCapex / Revenue | 182.1% | 0.4% |
| Cash ConversionOCF / Net Profit | — | 1.18× |
| TTM Free Cash FlowTrailing 4 quarters | $94.9M | $52.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $40.6M | $12.8M | ||
| Q3 25 | $40.5M | $23.2M | ||
| Q2 25 | $49.2M | $17.8M | ||
| Q1 25 | $36.9M | $-71.0K | ||
| Q4 24 | $40.6M | $5.7M | ||
| Q3 24 | $52.4M | $13.6M | ||
| Q2 24 | $59.3M | $9.7M | ||
| Q1 24 | $54.8M | $10.8M |
| Q4 25 | $23.0M | $12.6M | ||
| Q3 25 | $23.1M | $22.8M | ||
| Q2 25 | $28.4M | $17.6M | ||
| Q1 25 | $20.4M | $-730.0K | ||
| Q4 24 | $21.5M | $5.3M | ||
| Q3 24 | $28.0M | $13.3M | ||
| Q2 24 | $43.6M | $9.4M | ||
| Q1 24 | $43.8M | $10.7M |
| Q4 25 | 238.4% | 26.7% | ||
| Q3 25 | 228.3% | 44.7% | ||
| Q2 25 | 276.7% | 35.0% | ||
| Q1 25 | 206.1% | -1.7% | ||
| Q4 24 | 210.4% | 16.1% | ||
| Q3 24 | 244.4% | 39.1% | ||
| Q2 24 | 409.9% | 28.3% | ||
| Q1 24 | 408.5% | 33.9% |
| Q4 25 | 182.1% | 0.4% | ||
| Q3 25 | 172.4% | 0.8% | ||
| Q2 25 | 203.1% | 0.4% | ||
| Q1 25 | 166.0% | 1.5% | ||
| Q4 24 | 187.6% | 1.1% | ||
| Q3 24 | 213.5% | 0.7% | ||
| Q2 24 | 147.4% | 0.9% | ||
| Q1 24 | 101.9% | 0.2% |
| Q4 25 | — | 1.18× | ||
| Q3 25 | 8.98× | 1.56× | ||
| Q2 25 | 9.01× | 1.52× | ||
| Q1 25 | 0.87× | — | ||
| Q4 24 | — | 0.87× | ||
| Q3 24 | 3.15× | 1.88× | ||
| Q2 24 | 4.98× | 0.86× | ||
| Q1 24 | 2.84× | 1.60× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
