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Side-by-side financial comparison of ACNB CORP (ACNB) and American Express (AXP). Click either name above to swap in a different company.
ACNB CORP is the larger business by last-quarter revenue ($47.2M vs $18.9M, roughly 2.5× American Express). ACNB CORP runs the higher net margin — 22.9% vs 15.7%, a 7.2% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 11.4%). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs -95.6%).
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.
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products an...
ACNB vs AXP — Head-to-Head
Income Statement — Q4 2025 vs Q1 2026
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $18.9M |
| Net Profit | $10.8M | $3.0M |
| Gross Margin | — | — |
| Operating Margin | 27.9% | — |
| Net Margin | 22.9% | 15.7% |
| Revenue YoY | 42.2% | 11.4% |
| Net Profit YoY | 63.8% | 15.0% |
| EPS (diluted) | $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 | — | $18.9M | ||
| Q4 25 | $47.2M | $10.9B | ||
| Q3 25 | $50.9M | $10.4B | ||
| Q2 25 | $50.3M | $10.3B | ||
| Q1 25 | $43.5M | $9.6B | ||
| Q4 24 | $33.2M | $10.0B | ||
| Q3 24 | $34.1M | $9.7B | ||
| Q2 24 | $33.3M | $9.8B |
| Q1 26 | — | $3.0M | ||
| Q4 25 | $10.8M | $2.5B | ||
| Q3 25 | $14.9M | $2.9B | ||
| Q2 25 | $11.6M | $2.9B | ||
| Q1 25 | $-272.0K | $2.6B | ||
| Q4 24 | $6.6M | $2.2B | ||
| Q3 24 | $7.2M | $2.5B | ||
| Q2 24 | $11.3M | $3.0B |
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 28.2% | ||
| Q3 25 | 37.2% | 36.7% | ||
| Q2 25 | 29.7% | 34.4% | ||
| Q1 25 | -1.3% | 34.6% | ||
| Q4 24 | 24.8% | 27.7% | ||
| Q3 24 | 27.6% | 33.0% | ||
| Q2 24 | 42.8% | 38.6% |
| Q1 26 | — | 15.7% | ||
| Q4 25 | 22.9% | 22.5% | ||
| Q3 25 | 29.2% | 27.9% | ||
| Q2 25 | 23.2% | 28.0% | ||
| Q1 25 | -0.6% | 26.8% | ||
| Q4 24 | 19.9% | 21.8% | ||
| Q3 24 | 21.1% | 25.8% | ||
| Q2 24 | 33.9% | 30.7% |
| Q1 26 | — | — | ||
| Q4 25 | $1.10 | $3.52 | ||
| Q3 25 | $1.42 | $4.14 | ||
| Q2 25 | $1.11 | $4.08 | ||
| Q1 25 | $-0.03 | $3.64 | ||
| Q4 24 | $0.77 | $3.04 | ||
| Q3 24 | $0.84 | $3.49 | ||
| Q2 24 | $1.32 | $4.15 |
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 | $60.4M |
| Stockholders' EquityBook value | $420.0M | $34.0M |
| Total Assets | $3.2B | $308.9M |
| Debt / EquityLower = less leverage | 0.61× | 1.78× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $65.6M | $742.0M | ||
| Q3 25 | $102.1M | $1.3B | ||
| Q2 25 | $103.1M | $197.0M | ||
| Q1 25 | $123.6M | $261.0M | ||
| Q4 24 | $47.3M | $221.0M | ||
| Q3 24 | $58.1M | $120.0M | ||
| Q2 24 | $86.3M | $188.0M |
| Q1 26 | — | $60.4M | ||
| Q4 25 | $255.4M | $56.4B | ||
| Q3 25 | $255.4M | $57.8B | ||
| Q2 25 | $255.4M | $58.2B | ||
| Q1 25 | $255.3M | $51.2B | ||
| Q4 24 | $255.3M | $49.7B | ||
| Q3 24 | $255.3M | $53.5B | ||
| Q2 24 | $255.3M | $51.5B |
| Q1 26 | — | $34.0M | ||
| Q4 25 | $420.0M | $33.5B | ||
| Q3 25 | $408.6M | $32.4B | ||
| Q2 25 | $395.2M | $32.3B | ||
| Q1 25 | $386.9M | $31.2B | ||
| Q4 24 | $303.3M | $30.3B | ||
| Q3 24 | $306.8M | $29.7B | ||
| Q2 24 | $289.3M | $29.5B |
| Q1 26 | — | $308.9M | ||
| Q4 25 | $3.2B | $300.1B | ||
| Q3 25 | $3.3B | $297.6B | ||
| Q2 25 | $3.3B | $295.6B | ||
| Q1 25 | $3.3B | $282.2B | ||
| Q4 24 | $2.4B | $271.5B | ||
| Q3 24 | $2.4B | $271.0B | ||
| Q2 24 | $2.5B | $272.2B |
| Q1 26 | — | 1.78× | ||
| Q4 25 | 0.61× | 1.68× | ||
| Q3 25 | 0.62× | 1.78× | ||
| Q2 25 | 0.65× | 1.80× | ||
| Q1 25 | 0.66× | 1.64× | ||
| Q4 24 | 0.84× | 1.64× | ||
| Q3 24 | 0.83× | 1.80× | ||
| Q2 24 | 0.88× | 1.74× |
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 | $12.8M | $3.1B | ||
| Q3 25 | $23.2M | $6.2B | ||
| Q2 25 | $17.8M | $4.4B | ||
| Q1 25 | $-71.0K | $4.8B | ||
| Q4 24 | $5.7M | $5.8B | ||
| Q3 24 | $13.6M | $-1.8B | ||
| Q2 24 | $9.7M | $4.5B |
| Q1 26 | — | — | ||
| Q4 25 | $12.6M | $2.3B | ||
| Q3 25 | $22.8M | $5.6B | ||
| Q2 25 | $17.6M | $3.7B | ||
| Q1 25 | $-730.0K | $4.3B | ||
| Q4 24 | $5.3M | $5.3B | ||
| Q3 24 | $13.3M | $-2.3B | ||
| Q2 24 | $9.4M | $4.0B |
| Q1 26 | — | — | ||
| Q4 25 | 26.7% | 21.4% | ||
| Q3 25 | 44.7% | 53.6% | ||
| Q2 25 | 35.0% | 36.3% | ||
| Q1 25 | -1.7% | 45.0% | ||
| Q4 24 | 16.1% | 53.1% | ||
| Q3 24 | 39.1% | -23.3% | ||
| Q2 24 | 28.3% | 40.4% |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 6.6% | ||
| Q3 25 | 0.8% | 6.3% | ||
| Q2 25 | 0.4% | 6.0% | ||
| Q1 25 | 1.5% | 4.5% | ||
| Q4 24 | 1.1% | 5.0% | ||
| Q3 24 | 0.7% | 4.7% | ||
| Q2 24 | 0.9% | 5.8% |
| Q1 26 | — | — | ||
| Q4 25 | 1.18× | 1.25× | ||
| Q3 25 | 1.56× | 2.15× | ||
| Q2 25 | 1.52× | 1.51× | ||
| Q1 25 | — | 1.84× | ||
| Q4 24 | 0.87× | 2.66× | ||
| Q3 24 | 1.88× | -0.72× | ||
| Q2 24 | 0.86× | 1.50× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
