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Side-by-side financial comparison of Ameris Bancorp (ABCB) and ACNB CORP (ACNB). Click either name above to swap in a different company.
Ameris Bancorp is the larger business by last-quarter revenue ($314.4M vs $47.2M, roughly 6.7× ACNB CORP). Ameris Bancorp runs the higher net margin — 35.1% vs 22.9%, a 12.3% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 10.0%). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs 21.8%).
Ameris Bancorp is an American bank holding company headquartered in Atlanta, Georgia. Through its bank subsidiary, Ameris Bank, the company operates full-service branches in Georgia, Alabama, Florida, North Carolina and South Carolina, and mortgage-only locations in Georgia, Alabama, Florida, North Carolina, South Carolina, Virginia, Maryland, and Tennessee. The company offers online and mobile banking options for both consumers and businesses.
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.
ABCB vs ACNB — Head-to-Head
Income Statement — Q1 2026 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $314.4M | $47.2M |
| Net Profit | $110.5M | $10.8M |
| Gross Margin | — | — |
| Operating Margin | — | 27.9% |
| Net Margin | 35.1% | 22.9% |
| Revenue YoY | 10.0% | 42.2% |
| Net Profit YoY | 2.0% | 63.8% |
| EPS (diluted) | $1.63 | $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.
| Q1 26 | $314.4M | — | ||
| Q4 25 | $245.3M | $47.2M | ||
| Q3 25 | $238.0M | $50.9M | ||
| Q2 25 | $231.8M | $50.3M | ||
| Q1 25 | $221.8M | $43.5M | ||
| Q4 24 | $221.8M | $33.2M | ||
| Q3 24 | $214.1M | $34.1M | ||
| Q2 24 | $211.9M | $33.3M |
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $10.8M | ||
| Q3 25 | $106.0M | $14.9M | ||
| Q2 25 | $109.8M | $11.6M | ||
| Q1 25 | $87.9M | $-272.0K | ||
| Q4 24 | $94.4M | $6.6M | ||
| Q3 24 | $99.2M | $7.2M | ||
| Q2 24 | $90.8M | $11.3M |
| Q1 26 | — | — | ||
| Q4 25 | 57.5% | 27.9% | ||
| Q3 25 | 57.6% | 37.2% | ||
| Q2 25 | 61.6% | 29.7% | ||
| Q1 25 | 50.9% | -1.3% | ||
| Q4 24 | 56.8% | 24.8% | ||
| Q3 24 | 58.8% | 27.6% | ||
| Q2 24 | 59.7% | 42.8% |
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 22.9% | ||
| Q3 25 | 44.6% | 29.2% | ||
| Q2 25 | 47.4% | 23.2% | ||
| Q1 25 | 39.6% | -0.6% | ||
| Q4 24 | 42.5% | 19.9% | ||
| Q3 24 | 46.3% | 21.1% | ||
| Q2 24 | 42.8% | 33.9% |
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $1.10 | ||
| Q3 25 | $1.54 | $1.42 | ||
| Q2 25 | $1.60 | $1.11 | ||
| Q1 25 | $1.27 | $-0.03 | ||
| Q4 24 | $1.35 | $0.77 | ||
| Q3 24 | $1.44 | $0.84 | ||
| Q2 24 | $1.32 | $1.32 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $65.6M |
| Total DebtLower is stronger | — | $255.4M |
| Stockholders' EquityBook value | $4.1B | $420.0M |
| Total Assets | $28.1B | $3.2B |
| Debt / EquityLower = less leverage | — | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $65.6M | ||
| Q3 25 | — | $102.1M | ||
| Q2 25 | — | $103.1M | ||
| Q1 25 | — | $123.6M | ||
| Q4 24 | — | $47.3M | ||
| Q3 24 | — | $58.1M | ||
| Q2 24 | — | $86.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | $255.4M | ||
| Q3 25 | — | $255.4M | ||
| Q2 25 | — | $255.4M | ||
| Q1 25 | — | $255.3M | ||
| Q4 24 | — | $255.3M | ||
| Q3 24 | — | $255.3M | ||
| Q2 24 | — | $255.3M |
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $420.0M | ||
| Q3 25 | $4.0B | $408.6M | ||
| Q2 25 | $3.9B | $395.2M | ||
| Q1 25 | $3.8B | $386.9M | ||
| Q4 24 | $3.8B | $303.3M | ||
| Q3 24 | $3.7B | $306.8M | ||
| Q2 24 | $3.6B | $289.3M |
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $3.2B | ||
| Q3 25 | $27.1B | $3.3B | ||
| Q2 25 | $26.7B | $3.3B | ||
| Q1 25 | $26.5B | $3.3B | ||
| Q4 24 | $26.3B | $2.4B | ||
| Q3 24 | $26.4B | $2.4B | ||
| Q2 24 | $26.5B | $2.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.62× | ||
| Q2 25 | — | 0.65× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.84× | ||
| Q3 24 | — | 0.83× | ||
| Q2 24 | — | 0.88× |
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 | — | $12.8M |
| Free Cash FlowOCF − Capex | — | $12.6M |
| FCF MarginFCF / Revenue | — | 26.7% |
| Capex IntensityCapex / Revenue | — | 0.4% |
| Cash ConversionOCF / Net Profit | — | 1.18× |
| TTM Free Cash FlowTrailing 4 quarters | — | $52.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $107.0M | $12.8M | ||
| Q3 25 | $104.9M | $23.2M | ||
| Q2 25 | $61.4M | $17.8M | ||
| Q1 25 | $116.9M | $-71.0K | ||
| Q4 24 | $130.5M | $5.7M | ||
| Q3 24 | $102.2M | $13.6M | ||
| Q2 24 | $-97.1M | $9.7M |
| Q1 26 | — | — | ||
| Q4 25 | $101.2M | $12.6M | ||
| Q3 25 | $100.5M | $22.8M | ||
| Q2 25 | $53.7M | $17.6M | ||
| Q1 25 | $114.2M | $-730.0K | ||
| Q4 24 | $126.1M | $5.3M | ||
| Q3 24 | $99.8M | $13.3M | ||
| Q2 24 | $-100.3M | $9.4M |
| Q1 26 | — | — | ||
| Q4 25 | 41.3% | 26.7% | ||
| Q3 25 | 42.2% | 44.7% | ||
| Q2 25 | 23.2% | 35.0% | ||
| Q1 25 | 51.5% | -1.7% | ||
| Q4 24 | 56.9% | 16.1% | ||
| Q3 24 | 46.6% | 39.1% | ||
| Q2 24 | -47.3% | 28.3% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.4% | ||
| Q3 25 | 1.8% | 0.8% | ||
| Q2 25 | 3.3% | 0.4% | ||
| Q1 25 | 1.2% | 1.5% | ||
| Q4 24 | 2.0% | 1.1% | ||
| Q3 24 | 1.1% | 0.7% | ||
| Q2 24 | 1.5% | 0.9% |
| Q1 26 | — | — | ||
| Q4 25 | 0.99× | 1.18× | ||
| Q3 25 | 0.99× | 1.56× | ||
| Q2 25 | 0.56× | 1.52× | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | 1.38× | 0.87× | ||
| Q3 24 | 1.03× | 1.88× | ||
| Q2 24 | -1.07× | 0.86× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
