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Side-by-side financial comparison of ACNB CORP (ACNB) and Armada Hoffler Properties, Inc. (AHH). Click either name above to swap in a different company.
Armada Hoffler Properties, Inc. is the larger business by last-quarter revenue ($75.6M vs $47.2M, roughly 1.6× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs 3.1%, a 19.7% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 0.8%). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs -22.8%).
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.
Armada Hoffler Properties, Inc. is a publicly traded U.S. real estate investment trust operating across the Mid-Atlantic and Southeast regions. It develops, owns, and manages a diversified portfolio of office, retail, and multifamily residential properties, and also offers construction and development services for third-party clients.
ACNB vs AHH — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $75.6M |
| Net Profit | $10.8M | $2.4M |
| Gross Margin | — | — |
| Operating Margin | 27.9% | 31.0% |
| Net Margin | 22.9% | 3.1% |
| Revenue YoY | 42.2% | 0.8% |
| Net Profit YoY | 63.8% | -89.8% |
| EPS (diluted) | $1.10 | $0.00 |
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 | $47.2M | $75.6M | ||
| Q3 25 | $50.9M | $72.7M | ||
| Q2 25 | $50.3M | $69.1M | ||
| Q1 25 | $43.5M | $67.8M | ||
| Q4 24 | $33.2M | $75.0M | ||
| Q3 24 | $34.1M | $114.4M | ||
| Q2 24 | $33.3M | $116.8M | ||
| Q1 24 | $31.6M | $127.0M |
| Q4 25 | $10.8M | $2.4M | ||
| Q3 25 | $14.9M | $80.0K | ||
| Q2 25 | $11.6M | $5.9M | ||
| Q1 25 | $-272.0K | $-2.8M | ||
| Q4 24 | $6.6M | $23.4M | ||
| Q3 24 | $7.2M | $-5.0M | ||
| Q2 24 | $11.3M | $3.2M | ||
| Q1 24 | $6.8M | $14.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 45.0% | ||
| Q2 24 | — | 41.8% | ||
| Q1 24 | — | 37.9% |
| Q4 25 | 27.9% | 31.0% | ||
| Q3 25 | 37.2% | 29.2% | ||
| Q2 25 | 29.7% | 29.6% | ||
| Q1 25 | -1.3% | 23.2% | ||
| Q4 24 | 24.8% | 50.1% | ||
| Q3 24 | 27.6% | 19.0% | ||
| Q2 24 | 42.8% | 11.9% | ||
| Q1 24 | 26.9% | 15.1% |
| Q4 25 | 22.9% | 3.1% | ||
| Q3 25 | 29.2% | 0.1% | ||
| Q2 25 | 23.2% | 8.6% | ||
| Q1 25 | -0.6% | -4.1% | ||
| Q4 24 | 19.9% | 31.2% | ||
| Q3 24 | 21.1% | -4.4% | ||
| Q2 24 | 33.9% | 2.7% | ||
| Q1 24 | 21.4% | 11.1% |
| Q4 25 | $1.10 | $0.00 | ||
| Q3 25 | $1.42 | $-0.04 | ||
| Q2 25 | $1.11 | $0.04 | ||
| Q1 25 | $-0.03 | $-0.07 | ||
| Q4 24 | $0.77 | $0.28 | ||
| Q3 24 | $0.84 | $-0.11 | ||
| Q2 24 | $1.32 | $0.00 | ||
| Q1 24 | $0.80 | $0.17 |
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 | $49.1M |
| Total DebtLower is stronger | $255.4M | $1.5B |
| Stockholders' EquityBook value | $420.0M | $627.8M |
| Total Assets | $3.2B | $2.6B |
| Debt / EquityLower = less leverage | 0.61× | 2.43× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $49.1M | ||
| Q3 25 | $102.1M | $46.5M | ||
| Q2 25 | $103.1M | $52.1M | ||
| Q1 25 | $123.6M | $45.7M | ||
| Q4 24 | $47.3M | $31.9M | ||
| Q3 24 | $58.1M | $43.9M | ||
| Q2 24 | $86.3M | $20.3M | ||
| Q1 24 | $53.1M | $41.9M |
| Q4 25 | $255.4M | $1.5B | ||
| Q3 25 | $255.4M | $1.5B | ||
| Q2 25 | $255.4M | $1.4B | ||
| Q1 25 | $255.3M | $1.3B | ||
| Q4 24 | $255.3M | $1.3B | ||
| Q3 24 | $255.3M | $1.3B | ||
| Q2 24 | $255.3M | $1.4B | ||
| Q1 24 | $255.3M | $1.4B |
| Q4 25 | $420.0M | $627.8M | ||
| Q3 25 | $408.6M | $638.8M | ||
| Q2 25 | $395.2M | $652.0M | ||
| Q1 25 | $386.9M | $657.4M | ||
| Q4 24 | $303.3M | $670.6M | ||
| Q3 24 | $306.8M | $663.9M | ||
| Q2 24 | $289.3M | $562.7M | ||
| Q1 24 | $279.9M | $571.4M |
| Q4 25 | $3.2B | $2.6B | ||
| Q3 25 | $3.3B | $2.6B | ||
| Q2 25 | $3.3B | $2.6B | ||
| Q1 25 | $3.3B | $2.5B | ||
| Q4 24 | $2.4B | $2.5B | ||
| Q3 24 | $2.4B | $2.6B | ||
| Q2 24 | $2.5B | $2.6B | ||
| Q1 24 | $2.4B | $2.6B |
| Q4 25 | 0.61× | 2.43× | ||
| Q3 25 | 0.62× | 2.33× | ||
| Q2 25 | 0.65× | 2.22× | ||
| Q1 25 | 0.66× | 2.01× | ||
| Q4 24 | 0.84× | 1.93× | ||
| Q3 24 | 0.83× | 2.00× | ||
| Q2 24 | 0.88× | 2.52× | ||
| Q1 24 | 0.91× | 2.50× |
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 | $53.6M | $64.2M |
| Free Cash FlowOCF − Capex | $52.6M | — |
| FCF MarginFCF / Revenue | 111.4% | — |
| Capex IntensityCapex / Revenue | 2.3% | — |
| Cash ConversionOCF / Net Profit | 4.96× | 26.99× |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $64.2M | ||
| Q3 25 | $23.2M | $26.3M | ||
| Q2 25 | $17.8M | $11.1M | ||
| Q1 25 | $-71.0K | $107.0K | ||
| Q4 24 | $39.8M | $112.0M | ||
| Q3 24 | $13.6M | $27.3M | ||
| Q2 24 | $9.7M | $17.4M | ||
| Q1 24 | $10.8M | $46.5M |
| Q4 25 | $52.6M | — | ||
| Q3 25 | $22.8M | — | ||
| Q2 25 | $17.6M | — | ||
| Q1 25 | $-730.0K | — | ||
| Q4 24 | $38.8M | — | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — | ||
| Q1 24 | $10.7M | — |
| Q4 25 | 111.4% | — | ||
| Q3 25 | 44.7% | — | ||
| Q2 25 | 35.0% | — | ||
| Q1 25 | -1.7% | — | ||
| Q4 24 | 117.0% | — | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 33.9% | — |
| Q4 25 | 2.3% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 2.9% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.2% | — |
| Q4 25 | 4.96× | 26.99× | ||
| Q3 25 | 1.56× | 328.63× | ||
| Q2 25 | 1.52× | 1.87× | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | 4.78× | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | 5.48× | ||
| Q1 24 | 1.60× | 3.30× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
AHH
| Office Real Estate Segment | $28.8M | 38% |
| Retail Real Estate Segment | $25.4M | 34% |
| Multifamily Residential Real Estate | $17.7M | 23% |
| Real Estate Financing Segment | $3.6M | 5% |
