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Side-by-side financial comparison of ACNB CORP (ACNB) and CIVISTA BANCSHARES, INC. (CIVB). Click either name above to swap in a different company.
CIVISTA BANCSHARES, INC. is the larger business by last-quarter revenue ($47.3M vs $47.2M, roughly 1.0× ACNB CORP). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs 22.9%, a 8.8% gap on every dollar of revenue. Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs 11.3%).
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.
Civista Bancshares, Inc. is a US-based bank holding company operating primarily across the Midwest region. It provides a full suite of personal and commercial banking services including deposit accounts, mortgage, consumer and commercial lending products, as well as wealth management solutions, serving retail consumers, small and medium-sized local businesses and community client segments.
ACNB vs CIVB — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $47.3M |
| Net Profit | $10.8M | $15.0M |
| Gross Margin | — | — |
| Operating Margin | 27.9% | — |
| Net Margin | 22.9% | 31.7% |
| Revenue YoY | 42.2% | — |
| Net Profit YoY | 63.8% | 47.4% |
| EPS (diluted) | $1.10 | $0.72 |
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 | — | $47.3M | ||
| Q4 25 | $47.2M | $46.3M | ||
| Q3 25 | $50.9M | $44.2M | ||
| Q2 25 | $50.3M | $41.4M | ||
| Q1 25 | $43.5M | $40.6M | ||
| Q4 24 | $33.2M | $40.4M | ||
| Q3 24 | $34.1M | $39.3M | ||
| Q2 24 | $33.3M | $38.1M |
| Q1 26 | — | $15.0M | ||
| Q4 25 | $10.8M | — | ||
| Q3 25 | $14.9M | $12.8M | ||
| Q2 25 | $11.6M | $11.0M | ||
| Q1 25 | $-272.0K | $10.2M | ||
| Q4 24 | $6.6M | — | ||
| Q3 24 | $7.2M | $8.4M | ||
| Q2 24 | $11.3M | $7.1M |
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 31.8% | ||
| Q3 25 | 37.2% | 35.4% | ||
| Q2 25 | 29.7% | 31.1% | ||
| Q1 25 | -1.3% | 29.4% | ||
| Q4 24 | 24.8% | 28.2% | ||
| Q3 24 | 27.6% | 25.2% | ||
| Q2 24 | 42.8% | 21.2% |
| Q1 26 | — | 31.7% | ||
| Q4 25 | 22.9% | — | ||
| Q3 25 | 29.2% | 28.9% | ||
| Q2 25 | 23.2% | 26.6% | ||
| Q1 25 | -0.6% | 25.0% | ||
| Q4 24 | 19.9% | — | ||
| Q3 24 | 21.1% | 21.3% | ||
| Q2 24 | 33.9% | 18.5% |
| Q1 26 | — | $0.72 | ||
| Q4 25 | $1.10 | $0.59 | ||
| Q3 25 | $1.42 | $0.68 | ||
| Q2 25 | $1.11 | $0.71 | ||
| Q1 25 | $-0.03 | $0.66 | ||
| Q4 24 | $0.77 | $0.62 | ||
| Q3 24 | $0.84 | $0.53 | ||
| Q2 24 | $1.32 | $0.45 |
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 | $553.9M |
| Total Assets | $3.2B | $4.3B |
| 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 | — | $553.9M | ||
| Q4 25 | $420.0M | $543.5M | ||
| Q3 25 | $408.6M | $499.0M | ||
| Q2 25 | $395.2M | $404.1M | ||
| Q1 25 | $386.9M | $397.4M | ||
| Q4 24 | $303.3M | $388.5M | ||
| Q3 24 | $306.8M | $394.4M | ||
| Q2 24 | $289.3M | $373.8M |
| Q1 26 | — | $4.3B | ||
| Q4 25 | $3.2B | $4.3B | ||
| Q3 25 | $3.3B | $4.1B | ||
| Q2 25 | $3.3B | $4.2B | ||
| Q1 25 | $3.3B | $4.1B | ||
| Q4 24 | $2.4B | $4.1B | ||
| Q3 24 | $2.4B | $4.1B | ||
| Q2 24 | $2.5B | $4.0B |
| 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 | $53.6M | — |
| Free Cash FlowOCF − Capex | $52.6M | — |
| FCF MarginFCF / Revenue | 111.4% | — |
| Capex IntensityCapex / Revenue | 2.3% | — |
| Cash ConversionOCF / Net Profit | 4.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $53.6M | $43.3M | ||
| Q3 25 | $23.2M | $19.0M | ||
| Q2 25 | $17.8M | $11.1M | ||
| Q1 25 | $-71.0K | $3.6M | ||
| Q4 24 | $39.8M | $48.2M | ||
| Q3 24 | $13.6M | $12.9M | ||
| Q2 24 | $9.7M | $12.2M |
| Q1 26 | — | — | ||
| Q4 25 | $52.6M | $42.1M | ||
| Q3 25 | $22.8M | — | ||
| Q2 25 | $17.6M | — | ||
| Q1 25 | $-730.0K | $3.5M | ||
| Q4 24 | $38.8M | $44.1M | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | 111.4% | 90.9% | ||
| Q3 25 | 44.7% | — | ||
| Q2 25 | 35.0% | — | ||
| Q1 25 | -1.7% | 8.5% | ||
| Q4 24 | 117.0% | 109.1% | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 2.5% | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 1.5% | 0.4% | ||
| Q4 24 | 2.9% | 10.4% | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | 1.49× | ||
| Q2 25 | 1.52× | 1.01× | ||
| Q1 25 | — | 0.36× | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | 1.54× | ||
| Q2 24 | 0.86× | 1.73× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
