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Side-by-side financial comparison of ACNB CORP (ACNB) and Avidbank Holdings, Inc. (AVBH). Click either name above to swap in a different company.
Avidbank Holdings, Inc. runs the higher net margin — 62.0% vs 22.9%, a 39.1% gap on every dollar of revenue. ACNB CORP produced more free cash flow last quarter ($12.6M vs $12.4M).
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.
Avidbank Holdings, Inc. is a U.S.-based financial holding company operating through its subsidiary AvidBank. It offers commercial banking products and services primarily to small and medium-sized enterprises, business owners, and high-net-worth individuals across California, including commercial loans, deposit accounts, cash management, and customized financing solutions for sectors like manufacturing, technology, real estate and professional services.
ACNB vs AVBH — Head-to-Head
Income Statement — Q4 2025 vs Q3 2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $-60.9M |
| Net Profit | $10.8M | $-37.7M |
| Gross Margin | — | — |
| Operating Margin | 27.9% | — |
| Net Margin | 22.9% | 62.0% |
| Revenue YoY | 42.2% | — |
| Net Profit YoY | 63.8% | — |
| EPS (diluted) | $1.10 | $-4.12 |
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 | — | ||
| Q3 25 | $50.9M | $-60.9M | ||
| Q2 25 | $50.3M | $1.5M | ||
| Q1 25 | $43.5M | — | ||
| Q4 24 | $33.2M | — | ||
| Q3 24 | $34.1M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $31.6M | — |
| Q4 25 | $10.8M | — | ||
| Q3 25 | $14.9M | $-37.7M | ||
| Q2 25 | $11.6M | $5.8M | ||
| Q1 25 | $-272.0K | — | ||
| Q4 24 | $6.6M | — | ||
| Q3 24 | $7.2M | — | ||
| Q2 24 | $11.3M | — | ||
| Q1 24 | $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 | 29.2% | 62.0% | ||
| Q2 25 | 23.2% | 376.9% | ||
| Q1 25 | -0.6% | — | ||
| Q4 24 | 19.9% | — | ||
| Q3 24 | 21.1% | — | ||
| Q2 24 | 33.9% | — | ||
| Q1 24 | 21.4% | — |
| Q4 25 | $1.10 | — | ||
| Q3 25 | $1.42 | $-4.12 | ||
| Q2 25 | $1.11 | $0.75 | ||
| Q1 25 | $-0.03 | — | ||
| Q4 24 | $0.77 | — | ||
| Q3 24 | $0.84 | — | ||
| Q2 24 | $1.32 | — | ||
| Q1 24 | $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 | $65.6M | — |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $273.1M |
| Total Assets | $3.2B | $2.4B |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | $53.1M | — |
| 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 | — | ||
| Q3 25 | $408.6M | $273.1M | ||
| Q2 25 | $395.2M | $204.4M | ||
| Q1 25 | $386.9M | — | ||
| Q4 24 | $303.3M | — | ||
| Q3 24 | $306.8M | — | ||
| Q2 24 | $289.3M | — | ||
| Q1 24 | $279.9M | — |
| Q4 25 | $3.2B | — | ||
| Q3 25 | $3.3B | $2.4B | ||
| Q2 25 | $3.3B | $2.4B | ||
| Q1 25 | $3.3B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.4B | — | ||
| Q2 24 | $2.5B | — | ||
| Q1 24 | $2.4B | — |
| 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 | $12.8M | $12.4M |
| Free Cash FlowOCF − Capex | $12.6M | $12.4M |
| FCF MarginFCF / Revenue | 26.7% | -20.3% |
| Capex IntensityCapex / Revenue | 0.4% | -0.1% |
| Cash ConversionOCF / Net Profit | 1.18× | — |
| TTM Free Cash FlowTrailing 4 quarters | $52.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $12.8M | — | ||
| Q3 25 | $23.2M | $12.4M | ||
| Q2 25 | $17.8M | $10.7M | ||
| Q1 25 | $-71.0K | — | ||
| Q4 24 | $5.7M | — | ||
| Q3 24 | $13.6M | — | ||
| Q2 24 | $9.7M | — | ||
| Q1 24 | $10.8M | — |
| Q4 25 | $12.6M | — | ||
| Q3 25 | $22.8M | $12.4M | ||
| Q2 25 | $17.6M | $10.6M | ||
| Q1 25 | $-730.0K | — | ||
| Q4 24 | $5.3M | — | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — | ||
| Q1 24 | $10.7M | — |
| Q4 25 | 26.7% | — | ||
| Q3 25 | 44.7% | -20.3% | ||
| Q2 25 | 35.0% | 690.0% | ||
| Q1 25 | -1.7% | — | ||
| Q4 24 | 16.1% | — | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 33.9% | — |
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.8% | -0.1% | ||
| Q2 25 | 0.4% | 3.8% | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.2% | — |
| Q4 25 | 1.18× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | 1.84× | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.87× | — | ||
| 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.
