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Side-by-side financial comparison of ACNB CORP (ACNB) and C3.ai, Inc. (AI). Click either name above to swap in a different company.
C3.ai, Inc. is the larger business by last-quarter revenue ($75.1M vs $47.2M, roughly 1.6× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs -139.3%, a 162.2% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs -20.3%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $-46.9M). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs -2.1%).
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.
C3.ai, Inc. is a leading enterprise artificial intelligence software provider that develops and delivers scalable AI applications, platform tools, and industry-specific solutions for clients across sectors including manufacturing, energy, financial services, healthcare and public sector. Its offerings help organizations optimize operations, reduce costs, mitigate risks, and realize data-driven decision making.
ACNB vs AI — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $75.1M |
| Net Profit | $10.8M | $-104.7M |
| Gross Margin | — | 40.4% |
| Operating Margin | 27.9% | -149.2% |
| Net Margin | 22.9% | -139.3% |
| Revenue YoY | 42.2% | -20.3% |
| Net Profit YoY | 63.8% | -58.7% |
| EPS (diluted) | $1.10 | $-0.75 |
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 | $75.1M | ||
| Q3 25 | $50.9M | $70.3M | ||
| Q2 25 | $50.3M | $108.7M | ||
| Q1 25 | $43.5M | $98.8M | ||
| Q4 24 | $33.2M | $94.3M | ||
| Q3 24 | $34.1M | $87.2M | ||
| Q2 24 | $33.3M | $86.6M | ||
| Q1 24 | $31.6M | $78.4M |
| Q4 25 | $10.8M | $-104.7M | ||
| Q3 25 | $14.9M | $-116.8M | ||
| Q2 25 | $11.6M | $-79.7M | ||
| Q1 25 | $-272.0K | $-80.2M | ||
| Q4 24 | $6.6M | $-66.0M | ||
| Q3 24 | $7.2M | $-62.8M | ||
| Q2 24 | $11.3M | $-72.9M | ||
| Q1 24 | $6.8M | $-72.6M |
| Q4 25 | — | 40.4% | ||
| Q3 25 | — | 37.6% | ||
| Q2 25 | — | 62.1% | ||
| Q1 25 | — | 59.1% | ||
| Q4 24 | — | 61.3% | ||
| Q3 24 | — | 59.8% | ||
| Q2 24 | — | 59.6% | ||
| Q1 24 | — | 57.8% |
| Q4 25 | 27.9% | -149.2% | ||
| Q3 25 | 37.2% | -177.7% | ||
| Q2 25 | 29.7% | -81.8% | ||
| Q1 25 | -1.3% | -88.7% | ||
| Q4 24 | 24.8% | -79.8% | ||
| Q3 24 | 27.6% | -83.2% | ||
| Q2 24 | 42.8% | -95.1% | ||
| Q1 24 | 26.9% | -105.3% |
| Q4 25 | 22.9% | -139.3% | ||
| Q3 25 | 29.2% | -166.2% | ||
| Q2 25 | 23.2% | -73.3% | ||
| Q1 25 | -0.6% | -81.2% | ||
| Q4 24 | 19.9% | -69.9% | ||
| Q3 24 | 21.1% | -72.0% | ||
| Q2 24 | 33.9% | -84.2% | ||
| Q1 24 | 21.4% | -92.6% |
| Q4 25 | $1.10 | $-0.75 | ||
| Q3 25 | $1.42 | $-0.86 | ||
| Q2 25 | $1.11 | $-0.60 | ||
| Q1 25 | $-0.03 | $-0.62 | ||
| Q4 24 | $0.77 | $-0.52 | ||
| Q3 24 | $0.84 | $-0.50 | ||
| Q2 24 | $1.32 | $-0.59 | ||
| Q1 24 | $0.80 | $-0.60 |
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 | $675.0M |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $771.9M |
| Total Assets | $3.2B | $961.3M |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $675.0M | ||
| Q3 25 | $102.1M | $711.9M | ||
| Q2 25 | $103.1M | $742.7M | ||
| Q1 25 | $123.6M | $724.3M | ||
| Q4 24 | $47.3M | $730.4M | ||
| Q3 24 | $58.1M | $762.5M | ||
| Q2 24 | $86.3M | $750.4M | ||
| Q1 24 | $53.1M | $723.3M |
| 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 24 | $255.3M | — |
| Q4 25 | $420.0M | $771.9M | ||
| Q3 25 | $408.6M | $798.8M | ||
| Q2 25 | $395.2M | $838.3M | ||
| Q1 25 | $386.9M | $860.2M | ||
| Q4 24 | $303.3M | $859.0M | ||
| Q3 24 | $306.8M | $874.9M | ||
| Q2 24 | $289.3M | $873.4M | ||
| Q1 24 | $279.9M | $898.0M |
| Q4 25 | $3.2B | $961.3M | ||
| Q3 25 | $3.3B | $968.7M | ||
| Q2 25 | $3.3B | $1.0B | ||
| Q1 25 | $3.3B | $1.1B | ||
| Q4 24 | $2.4B | $1.0B | ||
| Q3 24 | $2.4B | $1.1B | ||
| Q2 24 | $2.5B | $1.0B | ||
| Q1 24 | $2.4B | $1.1B |
| 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× | — | ||
| 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 | $53.6M | $-46.5M |
| Free Cash FlowOCF − Capex | $52.6M | $-46.9M |
| FCF MarginFCF / Revenue | 111.4% | -62.4% |
| Capex IntensityCapex / Revenue | 2.3% | 0.5% |
| Cash ConversionOCF / Net Profit | 4.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $-93.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $-46.5M | ||
| Q3 25 | $23.2M | $-33.5M | ||
| Q2 25 | $17.8M | $11.3M | ||
| Q1 25 | $-71.0K | $-22.0M | ||
| Q4 24 | $39.8M | $-38.7M | ||
| Q3 24 | $13.6M | $8.0M | ||
| Q2 24 | $9.7M | $21.3M | ||
| Q1 24 | $10.8M | $-39.1M |
| Q4 25 | $52.6M | $-46.9M | ||
| Q3 25 | $22.8M | $-34.3M | ||
| Q2 25 | $17.6M | $10.3M | ||
| Q1 25 | $-730.0K | $-22.4M | ||
| Q4 24 | $38.8M | $-39.5M | ||
| Q3 24 | $13.3M | $7.1M | ||
| Q2 24 | $9.4M | $18.8M | ||
| Q1 24 | $10.7M | $-45.1M |
| Q4 25 | 111.4% | -62.4% | ||
| Q3 25 | 44.7% | -48.8% | ||
| Q2 25 | 35.0% | 9.5% | ||
| Q1 25 | -1.7% | -22.7% | ||
| Q4 24 | 117.0% | -41.9% | ||
| Q3 24 | 39.1% | 8.2% | ||
| Q2 24 | 28.3% | 21.7% | ||
| Q1 24 | 33.9% | -57.6% |
| Q4 25 | 2.3% | 0.5% | ||
| Q3 25 | 0.8% | 1.1% | ||
| Q2 25 | 0.4% | 0.9% | ||
| Q1 25 | 1.5% | 0.4% | ||
| Q4 24 | 2.9% | 0.9% | ||
| Q3 24 | 0.7% | 1.1% | ||
| Q2 24 | 0.9% | 2.9% | ||
| Q1 24 | 0.2% | 7.8% |
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | — | ||
| Q1 24 | 1.60× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
