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Side-by-side financial comparison of ACNB CORP (ACNB) and Primis Financial Corp. (FRST). Click either name above to swap in a different company.
ACNB CORP is the larger business by last-quarter revenue ($47.2M vs $45.6M, roughly 1.0× Primis Financial Corp.). ACNB CORP runs the higher net margin — 22.9% vs 16.0%, a 6.9% gap on every dollar of revenue. Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs 13.0%).
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.
Primis Financial Corp is a U.S.-based financial holding company operating full-service banking subsidiaries. It provides a comprehensive range of financial solutions including personal and commercial deposit products, diverse loan facilities, mortgage services, and wealth management support, primarily serving retail and corporate customers across the U.S. mid-Atlantic region.
ACNB vs FRST — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $45.6M |
| Net Profit | $10.8M | $7.3M |
| Gross Margin | — | — |
| Operating Margin | 27.9% | — |
| Net Margin | 22.9% | 16.0% |
| Revenue YoY | 42.2% | — |
| Net Profit YoY | 63.8% | 200.0% |
| EPS (diluted) | $1.10 | $0.30 |
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 | — | $45.6M | ||
| Q4 25 | $47.2M | $80.9M | ||
| Q3 25 | $50.9M | $41.0M | ||
| Q2 25 | $50.3M | $43.2M | ||
| Q1 25 | $43.5M | $58.7M | ||
| Q4 24 | $33.2M | $38.8M | ||
| Q3 24 | $34.1M | $37.3M | ||
| Q2 24 | $33.3M | $35.7M |
| Q1 26 | — | $7.3M | ||
| Q4 25 | $10.8M | $29.5M | ||
| Q3 25 | $14.9M | $6.8M | ||
| Q2 25 | $11.6M | $2.4M | ||
| Q1 25 | $-272.0K | $22.6M | ||
| Q4 24 | $6.6M | $-26.2M | ||
| Q3 24 | $7.2M | $1.2M | ||
| Q2 24 | $11.3M | $3.4M |
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 44.8% | ||
| Q3 25 | 37.2% | 21.3% | ||
| Q2 25 | 29.7% | 6.9% | ||
| Q1 25 | -1.3% | 41.9% | ||
| Q4 24 | 24.8% | -123.0% | ||
| Q3 24 | 27.6% | -3.1% | ||
| Q2 24 | 42.8% | 7.8% |
| Q1 26 | — | 16.0% | ||
| Q4 25 | 22.9% | 36.5% | ||
| Q3 25 | 29.2% | 16.7% | ||
| Q2 25 | 23.2% | 5.6% | ||
| Q1 25 | -0.6% | 38.6% | ||
| Q4 24 | 19.9% | -100.3% | ||
| Q3 24 | 21.1% | 3.3% | ||
| Q2 24 | 33.9% | 9.6% |
| Q1 26 | — | $0.30 | ||
| Q4 25 | $1.10 | $1.19 | ||
| Q3 25 | $1.42 | $0.28 | ||
| Q2 25 | $1.11 | $0.10 | ||
| Q1 25 | $-0.03 | $0.92 | ||
| Q4 24 | $0.77 | $-0.95 | ||
| Q3 24 | $0.84 | $0.05 | ||
| Q2 24 | $1.32 | $0.14 |
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 | $159.9M |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $427.2M |
| Total Assets | $3.2B | $4.3B |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $159.9M | ||
| Q4 25 | $65.6M | $143.6M | ||
| Q3 25 | $102.1M | $63.9M | ||
| Q2 25 | $103.1M | $94.1M | ||
| Q1 25 | $123.6M | $57.0M | ||
| Q4 24 | $47.3M | $64.5M | ||
| Q3 24 | $58.1M | $77.3M | ||
| Q2 24 | $86.3M | $66.6M |
| 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 | — | $427.2M | ||
| Q4 25 | $420.0M | $422.9M | ||
| Q3 25 | $408.6M | $382.2M | ||
| Q2 25 | $395.2M | $376.4M | ||
| Q1 25 | $386.9M | $375.6M | ||
| Q4 24 | $303.3M | $351.8M | ||
| Q3 24 | $306.8M | $381.0M | ||
| Q2 24 | $289.3M | $376.0M |
| Q1 26 | — | $4.3B | ||
| Q4 25 | $3.2B | $4.0B | ||
| Q3 25 | $3.3B | $4.0B | ||
| Q2 25 | $3.3B | $3.9B | ||
| Q1 25 | $3.3B | $3.7B | ||
| Q4 24 | $2.4B | $3.7B | ||
| Q3 24 | $2.4B | $4.0B | ||
| 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 | $10.8M | ||
| Q3 25 | $23.2M | $-11.4M | ||
| Q2 25 | $17.8M | $-41.0M | ||
| Q1 25 | $-71.0K | $34.4M | ||
| Q4 24 | $39.8M | $19.5M | ||
| Q3 24 | $13.6M | $6.1M | ||
| Q2 24 | $9.7M | $52.3M |
| Q1 26 | — | — | ||
| Q4 25 | $52.6M | $9.0M | ||
| Q3 25 | $22.8M | — | ||
| Q2 25 | $17.6M | — | ||
| Q1 25 | $-730.0K | — | ||
| Q4 24 | $38.8M | $18.3M | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | 111.4% | 11.2% | ||
| Q3 25 | 44.7% | — | ||
| Q2 25 | 35.0% | — | ||
| Q1 25 | -1.7% | — | ||
| Q4 24 | 117.0% | 47.3% | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 2.1% | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 2.9% | 3.1% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 0.9% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.96× | 0.36× | ||
| Q3 25 | 1.56× | -1.67× | ||
| Q2 25 | 1.52× | -16.82× | ||
| Q1 25 | — | 1.52× | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | 4.93× | ||
| Q2 24 | 0.86× | 15.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
FRST
| Net Interest Income | $32.1M | 70% |
| Noninterest Income | $13.6M | 30% |
