vs
Side-by-side financial comparison of ACNB CORP (ACNB) and Commerce.com, Inc. (CMRC). Click either name above to swap in a different company.
Commerce.com, Inc. is the larger business by last-quarter revenue ($89.5M vs $47.2M, roughly 1.9× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs -9.3%, a 32.2% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 2.9%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $-2.2M). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs 5.5%).
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.
SPS Commerce, Inc. is a technology and application software company based in the United States that provides cloud-based supply chain management software. The company's headquarters are located in Minneapolis, Minnesota, but it also has a US office in New Jersey, and international locations in Amsterdam, Beijing, Breukelen, Hong Kong, Kyiv, Melbourne, Montpellier, Sydney, and Toronto.
ACNB vs CMRC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $89.5M |
| Net Profit | $10.8M | $-8.4M |
| Gross Margin | — | 78.3% |
| Operating Margin | 27.9% | -7.4% |
| Net Margin | 22.9% | -9.3% |
| Revenue YoY | 42.2% | 2.9% |
| Net Profit YoY | 63.8% | -250.0% |
| EPS (diluted) | $1.10 | $-0.11 |
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 | $89.5M | ||
| Q3 25 | $50.9M | $86.0M | ||
| Q2 25 | $50.3M | $84.4M | ||
| Q1 25 | $43.5M | $82.4M | ||
| Q4 24 | $33.2M | $87.0M | ||
| Q3 24 | $34.1M | $83.7M | ||
| Q2 24 | $33.3M | $81.8M | ||
| Q1 24 | $31.6M | $80.4M |
| Q4 25 | $10.8M | $-8.4M | ||
| Q3 25 | $14.9M | $-2.2M | ||
| Q2 25 | $11.6M | $-8.4M | ||
| Q1 25 | $-272.0K | $-353.0K | ||
| Q4 24 | $6.6M | $-2.4M | ||
| Q3 24 | $7.2M | $-7.0M | ||
| Q2 24 | $11.3M | $-11.3M | ||
| Q1 24 | $6.8M | $-6.4M |
| Q4 25 | — | 78.3% | ||
| Q3 25 | — | 78.4% | ||
| Q2 25 | — | 79.0% | ||
| Q1 25 | — | 79.4% | ||
| Q4 24 | — | 77.6% | ||
| Q3 24 | — | 76.3% | ||
| Q2 24 | — | 75.8% | ||
| Q1 24 | — | 77.1% |
| Q4 25 | 27.9% | -7.4% | ||
| Q3 25 | 37.2% | -0.5% | ||
| Q2 25 | 29.7% | -8.0% | ||
| Q1 25 | -1.3% | -2.9% | ||
| Q4 24 | 24.8% | -0.9% | ||
| Q3 24 | 27.6% | -23.0% | ||
| Q2 24 | 42.8% | -16.5% | ||
| Q1 24 | 26.9% | -10.2% |
| Q4 25 | 22.9% | -9.3% | ||
| Q3 25 | 29.2% | -2.6% | ||
| Q2 25 | 23.2% | -9.9% | ||
| Q1 25 | -0.6% | -0.4% | ||
| Q4 24 | 19.9% | -2.7% | ||
| Q3 24 | 21.1% | -8.4% | ||
| Q2 24 | 33.9% | -13.8% | ||
| Q1 24 | 21.4% | -8.0% |
| Q4 25 | $1.10 | $-0.11 | ||
| Q3 25 | $1.42 | $-0.03 | ||
| Q2 25 | $1.11 | $-0.10 | ||
| Q1 25 | $-0.03 | $0.00 | ||
| Q4 24 | $0.77 | $-0.03 | ||
| Q3 24 | $0.84 | $-0.09 | ||
| Q2 24 | $1.32 | $-0.15 | ||
| Q1 24 | $0.80 | $-0.08 |
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 | $141.1M |
| Total DebtLower is stronger | $255.4M | $157.0M |
| Stockholders' EquityBook value | $420.0M | $39.4M |
| Total Assets | $3.2B | $308.8M |
| Debt / EquityLower = less leverage | 0.61× | 3.99× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $141.1M | ||
| Q3 25 | $102.1M | $142.0M | ||
| Q2 25 | $103.1M | $134.5M | ||
| Q1 25 | $123.6M | $120.7M | ||
| Q4 24 | $47.3M | $178.2M | ||
| Q3 24 | $58.1M | $168.4M | ||
| Q2 24 | $86.3M | $275.8M | ||
| Q1 24 | $53.1M | $265.2M |
| Q4 25 | $255.4M | $157.0M | ||
| Q3 25 | $255.4M | $157.3M | ||
| Q2 25 | $255.4M | $157.5M | ||
| Q1 25 | $255.3M | $157.8M | ||
| Q4 24 | $255.3M | $216.5M | ||
| Q3 24 | $255.3M | — | ||
| Q2 24 | $255.3M | $340.9M | ||
| Q1 24 | $255.3M | $340.5M |
| Q4 25 | $420.0M | $39.4M | ||
| Q3 25 | $408.6M | $42.8M | ||
| Q2 25 | $395.2M | $38.8M | ||
| Q1 25 | $386.9M | $38.1M | ||
| Q4 24 | $303.3M | $33.4M | ||
| Q3 24 | $306.8M | $29.0M | ||
| Q2 24 | $289.3M | $26.1M | ||
| Q1 24 | $279.9M | $26.9M |
| Q4 25 | $3.2B | $308.8M | ||
| Q3 25 | $3.3B | $309.5M | ||
| Q2 25 | $3.3B | $302.5M | ||
| Q1 25 | $3.3B | $286.3M | ||
| Q4 24 | $2.4B | $340.3M | ||
| Q3 24 | $2.4B | $335.1M | ||
| Q2 24 | $2.5B | $452.5M | ||
| Q1 24 | $2.4B | $442.5M |
| Q4 25 | 0.61× | 3.99× | ||
| Q3 25 | 0.62× | 3.67× | ||
| Q2 25 | 0.65× | 4.06× | ||
| Q1 25 | 0.66× | 4.14× | ||
| Q4 24 | 0.84× | 6.49× | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 0.88× | 13.06× | ||
| Q1 24 | 0.91× | 12.65× |
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 | $980.0K |
| Free Cash FlowOCF − Capex | $52.6M | $-2.2M |
| FCF MarginFCF / Revenue | 111.4% | -2.4% |
| Capex IntensityCapex / Revenue | 2.3% | 3.5% |
| Cash ConversionOCF / Net Profit | 4.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $16.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $980.0K | ||
| Q3 25 | $23.2M | $10.6M | ||
| Q2 25 | $17.8M | $13.6M | ||
| Q1 25 | $-71.0K | $401.0K | ||
| Q4 24 | $39.8M | $12.4M | ||
| Q3 24 | $13.6M | $5.6M | ||
| Q2 24 | $9.7M | $11.7M | ||
| Q1 24 | $10.8M | $-3.4M |
| Q4 25 | $52.6M | $-2.2M | ||
| Q3 25 | $22.8M | $7.6M | ||
| Q2 25 | $17.6M | $11.9M | ||
| Q1 25 | $-730.0K | $-424.0K | ||
| Q4 24 | $38.8M | $11.6M | ||
| Q3 24 | $13.3M | $4.5M | ||
| Q2 24 | $9.4M | $10.7M | ||
| Q1 24 | $10.7M | $-4.2M |
| Q4 25 | 111.4% | -2.4% | ||
| Q3 25 | 44.7% | 8.8% | ||
| Q2 25 | 35.0% | 14.1% | ||
| Q1 25 | -1.7% | -0.5% | ||
| Q4 24 | 117.0% | 13.3% | ||
| Q3 24 | 39.1% | 5.4% | ||
| Q2 24 | 28.3% | 13.0% | ||
| Q1 24 | 33.9% | -5.3% |
| Q4 25 | 2.3% | 3.5% | ||
| Q3 25 | 0.8% | 3.4% | ||
| Q2 25 | 0.4% | 2.0% | ||
| Q1 25 | 1.5% | 1.0% | ||
| Q4 24 | 2.9% | 0.9% | ||
| Q3 24 | 0.7% | 1.3% | ||
| Q2 24 | 0.9% | 1.3% | ||
| Q1 24 | 0.2% | 1.0% |
| 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.
CMRC
| Subscription And Circulation | $65.2M | 73% |
| Partner And Services | $24.4M | 27% |
