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Side-by-side financial comparison of ACNB CORP (ACNB) and First Foundation Inc. (FFWM). Click either name above to swap in a different company.
First Foundation Inc. is the larger business by last-quarter revenue ($48.4M vs $47.2M, roughly 1.0× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs -97.9%, a 120.8% gap on every dollar of revenue. On growth, First Foundation Inc. posted the faster year-over-year revenue change (421.7% vs 42.2%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $-35.2M). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs -2.7%).
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.
John B. Lacson Colleges Foundation (Bacolod), Inc. is a private maritime college in Bacolod, Negros Occidental, Philippines.
ACNB vs FFWM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $48.4M |
| Net Profit | $10.8M | $-8.0M |
| Gross Margin | — | — |
| Operating Margin | 27.9% | -97.5% |
| Net Margin | 22.9% | -97.9% |
| Revenue YoY | 42.2% | 421.7% |
| Net Profit YoY | 63.8% | 43.0% |
| EPS (diluted) | $1.10 | $-0.09 |
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 | $48.4M | ||
| Q3 25 | $50.9M | $63.6M | ||
| Q2 25 | $50.3M | $51.4M | ||
| Q1 25 | $43.5M | $71.4M | ||
| Q4 24 | $33.2M | $9.3M | ||
| Q3 24 | $34.1M | $9.2M | ||
| Q2 24 | $33.3M | $57.5M | ||
| Q1 24 | $31.6M | $51.1M |
| Q4 25 | $10.8M | $-8.0M | ||
| Q3 25 | $14.9M | $-146.3M | ||
| Q2 25 | $11.6M | $-7.7M | ||
| Q1 25 | $-272.0K | $6.9M | ||
| Q4 24 | $6.6M | $-14.1M | ||
| Q3 24 | $7.2M | $-82.2M | ||
| Q2 24 | $11.3M | $3.1M | ||
| Q1 24 | $6.8M | $793.0K |
| Q4 25 | 27.9% | -97.5% | ||
| Q3 25 | 37.2% | -92.7% | ||
| Q2 25 | 29.7% | -21.1% | ||
| Q1 25 | -1.3% | 8.8% | ||
| Q4 24 | 24.8% | -247.7% | ||
| Q3 24 | 27.6% | -1276.7% | ||
| Q2 24 | 42.8% | 4.6% | ||
| Q1 24 | 26.9% | -0.2% |
| Q4 25 | 22.9% | -97.9% | ||
| Q3 25 | 29.2% | -230.1% | ||
| Q2 25 | 23.2% | -15.0% | ||
| Q1 25 | -0.6% | 9.7% | ||
| Q4 24 | 19.9% | -152.2% | ||
| Q3 24 | 21.1% | -896.9% | ||
| Q2 24 | 33.9% | 5.4% | ||
| Q1 24 | 21.4% | 1.6% |
| Q4 25 | $1.10 | $-0.09 | ||
| Q3 25 | $1.42 | $-1.78 | ||
| Q2 25 | $1.11 | $-0.09 | ||
| Q1 25 | $-0.03 | $0.08 | ||
| Q4 24 | $0.77 | $-0.24 | ||
| Q3 24 | $0.84 | $-1.23 | ||
| Q2 24 | $1.32 | $0.05 | ||
| Q1 24 | $0.80 | $0.01 |
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 | $1.6B |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $912.6M |
| Total Assets | $3.2B | $11.9B |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $1.6B | ||
| Q3 25 | $102.1M | $1.7B | ||
| Q2 25 | $103.1M | $1.1B | ||
| Q1 25 | $123.6M | $1.0B | ||
| Q4 24 | $47.3M | $1.0B | ||
| Q3 24 | $58.1M | $1.1B | ||
| Q2 24 | $86.3M | $1.4B | ||
| Q1 24 | $53.1M | $1.6B |
| 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 | $912.6M | ||
| Q3 25 | $408.6M | $917.9M | ||
| Q2 25 | $395.2M | $1.1B | ||
| Q1 25 | $386.9M | $1.1B | ||
| Q4 24 | $303.3M | $1.1B | ||
| Q3 24 | $306.8M | $1.1B | ||
| Q2 24 | $289.3M | $933.2M | ||
| Q1 24 | $279.9M | $928.7M |
| Q4 25 | $3.2B | $11.9B | ||
| Q3 25 | $3.3B | $11.9B | ||
| Q2 25 | $3.3B | $11.6B | ||
| Q1 25 | $3.3B | $12.6B | ||
| Q4 24 | $2.4B | $12.6B | ||
| Q3 24 | $2.4B | $13.4B | ||
| Q2 24 | $2.5B | $13.7B | ||
| Q1 24 | $2.4B | $13.6B |
| 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 | $-31.9M |
| Free Cash FlowOCF − Capex | $52.6M | $-35.2M |
| FCF MarginFCF / Revenue | 111.4% | -72.8% |
| Capex IntensityCapex / Revenue | 2.3% | 6.9% |
| Cash ConversionOCF / Net Profit | 4.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $-45.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $-31.9M | ||
| Q3 25 | $23.2M | $9.2M | ||
| Q2 25 | $17.8M | $-16.3M | ||
| Q1 25 | $-71.0K | $-552.0K | ||
| Q4 24 | $39.8M | $-8.7M | ||
| Q3 24 | $13.6M | $14.2M | ||
| Q2 24 | $9.7M | $-9.1M | ||
| Q1 24 | $10.8M | $7.2M |
| Q4 25 | $52.6M | $-35.2M | ||
| Q3 25 | $22.8M | $8.6M | ||
| Q2 25 | $17.6M | $-16.7M | ||
| Q1 25 | $-730.0K | $-2.5M | ||
| Q4 24 | $38.8M | $-11.4M | ||
| Q3 24 | $13.3M | $13.4M | ||
| Q2 24 | $9.4M | $-9.4M | ||
| Q1 24 | $10.7M | $5.9M |
| Q4 25 | 111.4% | -72.8% | ||
| Q3 25 | 44.7% | 13.5% | ||
| Q2 25 | 35.0% | -32.4% | ||
| Q1 25 | -1.7% | -3.5% | ||
| Q4 24 | 117.0% | -123.5% | ||
| Q3 24 | 39.1% | 146.2% | ||
| Q2 24 | 28.3% | -16.3% | ||
| Q1 24 | 33.9% | 11.6% |
| Q4 25 | 2.3% | 6.9% | ||
| Q3 25 | 0.8% | 1.0% | ||
| Q2 25 | 0.4% | 0.8% | ||
| Q1 25 | 1.5% | 2.8% | ||
| Q4 24 | 2.9% | 29.4% | ||
| Q3 24 | 0.7% | 9.0% | ||
| Q2 24 | 0.9% | 0.4% | ||
| Q1 24 | 0.2% | 2.5% |
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | -0.08× | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | -2.96× | ||
| Q1 24 | 1.60× | 9.09× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
