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Side-by-side financial comparison of ACNB CORP (ACNB) and Finwise Bancorp (FINW). Click either name above to swap in a different company.
ACNB CORP is the larger business by last-quarter revenue ($47.2M vs $46.9M, roughly 1.0× Finwise Bancorp). ACNB CORP runs the higher net margin — 22.9% vs 8.4%, a 14.5% gap on every dollar of revenue. On growth, Finwise Bancorp posted the faster year-over-year revenue change (121.7% vs 42.2%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $-28.6M). Over the past eight quarters, Finwise Bancorp's revenue compounded faster (54.3% CAGR vs 22.1%).
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.
Finwise Bancorp is a U.S.-based financial holding company that operates primarily through its community banking subsidiary. It offers a full suite of retail and commercial financial services, including deposit accounts, personal loans, mortgage products, small business financing, and wealth management solutions, serving local retail consumers and small to medium-sized business clients across its regional operating markets.
ACNB vs FINW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $46.9M |
| Net Profit | $10.8M | $3.9M |
| Gross Margin | — | — |
| Operating Margin | 27.9% | 11.7% |
| Net Margin | 22.9% | 8.4% |
| Revenue YoY | 42.2% | 121.7% |
| Net Profit YoY | 63.8% | 40.1% |
| EPS (diluted) | $1.10 | $0.27 |
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 | $46.9M | ||
| Q3 25 | $50.9M | $36.7M | ||
| Q2 25 | $50.3M | $25.1M | ||
| Q1 25 | $43.5M | $22.1M | ||
| Q4 24 | $33.2M | $21.1M | ||
| Q3 24 | $34.1M | $20.8M | ||
| Q2 24 | $33.3M | $19.8M | ||
| Q1 24 | $31.6M | $19.7M |
| Q4 25 | $10.8M | $3.9M | ||
| Q3 25 | $14.9M | $4.9M | ||
| Q2 25 | $11.6M | $4.1M | ||
| Q1 25 | $-272.0K | $3.2M | ||
| Q4 24 | $6.6M | $2.8M | ||
| Q3 24 | $7.2M | $3.5M | ||
| Q2 24 | $11.3M | $3.2M | ||
| Q1 24 | $6.8M | $3.3M |
| Q4 25 | 27.9% | 11.7% | ||
| Q3 25 | 37.2% | 17.5% | ||
| Q2 25 | 29.7% | 21.7% | ||
| Q1 25 | -1.3% | 20.1% | ||
| Q4 24 | 24.8% | 17.5% | ||
| Q3 24 | 27.6% | 22.2% | ||
| Q2 24 | 42.8% | 21.1% | ||
| Q1 24 | 26.9% | 22.9% |
| Q4 25 | 22.9% | 8.4% | ||
| Q3 25 | 29.2% | 13.3% | ||
| Q2 25 | 23.2% | 16.3% | ||
| Q1 25 | -0.6% | 14.4% | ||
| Q4 24 | 19.9% | 13.2% | ||
| Q3 24 | 21.1% | 16.6% | ||
| Q2 24 | 33.9% | 16.1% | ||
| Q1 24 | 21.4% | 16.9% |
| Q4 25 | $1.10 | $0.27 | ||
| Q3 25 | $1.42 | $0.34 | ||
| Q2 25 | $1.11 | $0.29 | ||
| Q1 25 | $-0.03 | $0.23 | ||
| Q4 24 | $0.77 | $0.19 | ||
| Q3 24 | $0.84 | $0.25 | ||
| Q2 24 | $1.32 | $0.24 | ||
| Q1 24 | $0.80 | $0.25 |
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 | $163.4M |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $193.2M |
| Total Assets | $3.2B | $977.1M |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $163.4M | ||
| Q3 25 | $102.1M | $105.6M | ||
| Q2 25 | $103.1M | $90.1M | ||
| Q1 25 | $123.6M | $120.3M | ||
| Q4 24 | $47.3M | $109.2M | ||
| Q3 24 | $58.1M | $85.8M | ||
| Q2 24 | $86.3M | $89.0M | ||
| Q1 24 | $53.1M | $115.8M |
| 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 | $193.2M | ||
| Q3 25 | $408.6M | $187.8M | ||
| Q2 25 | $395.2M | $182.0M | ||
| Q1 25 | $386.9M | $177.4M | ||
| Q4 24 | $303.3M | $173.7M | ||
| Q3 24 | $306.8M | $170.4M | ||
| Q2 24 | $289.3M | $165.8M | ||
| Q1 24 | $279.9M | $162.5M |
| Q4 25 | $3.2B | $977.1M | ||
| Q3 25 | $3.3B | $899.9M | ||
| Q2 25 | $3.3B | $842.5M | ||
| Q1 25 | $3.3B | $804.1M | ||
| Q4 24 | $2.4B | $746.0M | ||
| Q3 24 | $2.4B | $683.0M | ||
| Q2 24 | $2.5B | $617.8M | ||
| Q1 24 | $2.4B | $610.8M |
| 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 | $-28.4M |
| Free Cash FlowOCF − Capex | $52.6M | $-28.6M |
| FCF MarginFCF / Revenue | 111.4% | -61.1% |
| Capex IntensityCapex / Revenue | 2.3% | 0.5% |
| Cash ConversionOCF / Net Profit | 4.96× | -7.26× |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $-68.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $-28.4M | ||
| Q3 25 | $23.2M | $3.5M | ||
| Q2 25 | $17.8M | $-18.3M | ||
| Q1 25 | $-71.0K | $-21.6M | ||
| Q4 24 | $39.8M | $-15.0M | ||
| Q3 24 | $13.6M | $-9.8M | ||
| Q2 24 | $9.7M | $-7.6M | ||
| Q1 24 | $10.8M | $1.8M |
| Q4 25 | $52.6M | $-28.6M | ||
| Q3 25 | $22.8M | $3.4M | ||
| Q2 25 | $17.6M | $-19.8M | ||
| Q1 25 | $-730.0K | $-23.3M | ||
| Q4 24 | $38.8M | $-16.1M | ||
| Q3 24 | $13.3M | $-13.4M | ||
| Q2 24 | $9.4M | $-7.7M | ||
| Q1 24 | $10.7M | $568.0K |
| Q4 25 | 111.4% | -61.1% | ||
| Q3 25 | 44.7% | 9.4% | ||
| Q2 25 | 35.0% | -79.0% | ||
| Q1 25 | -1.7% | -105.3% | ||
| Q4 24 | 117.0% | -76.0% | ||
| Q3 24 | 39.1% | -64.3% | ||
| Q2 24 | 28.3% | -38.7% | ||
| Q1 24 | 33.9% | 2.9% |
| Q4 25 | 2.3% | 0.5% | ||
| Q3 25 | 0.8% | 0.1% | ||
| Q2 25 | 0.4% | 5.8% | ||
| Q1 25 | 1.5% | 7.4% | ||
| Q4 24 | 2.9% | 5.1% | ||
| Q3 24 | 0.7% | 17.2% | ||
| Q2 24 | 0.9% | 0.3% | ||
| Q1 24 | 0.2% | 6.0% |
| Q4 25 | 4.96× | -7.26× | ||
| Q3 25 | 1.56× | 0.71× | ||
| Q2 25 | 1.52× | -4.48× | ||
| Q1 25 | — | -6.78× | ||
| Q4 24 | 6.03× | -5.37× | ||
| Q3 24 | 1.88× | -2.84× | ||
| Q2 24 | 0.86× | -2.39× | ||
| Q1 24 | 1.60× | 0.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
