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Side-by-side financial comparison of ACNB CORP (ACNB) and NACCO INDUSTRIES INC (NC). Click either name above to swap in a different company.
NACCO INDUSTRIES INC is the larger business by last-quarter revenue ($66.8M vs $47.2M, roughly 1.4× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs -5.8%, a 28.6% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs -5.2%). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs 11.9%).
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.
NACCO Industries, Inc. is an American publicly traded holding company, headquartered in Cleveland, Ohio. Through a portfolio of mining and natural resources businesses, the company operates under three business segments: Coal Mining, North American Mining, and Minerals Management. The Coal Mining segment operates surface coal mines under long-term contracts with power generation companies and an activated carbon producer pursuant to a service-based business model. The North American Mining se...
ACNB vs NC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $66.8M |
| Net Profit | $10.8M | $-3.8M |
| Gross Margin | — | 18.0% |
| Operating Margin | 27.9% | 11.3% |
| Net Margin | 22.9% | -5.8% |
| Revenue YoY | 42.2% | -5.2% |
| Net Profit YoY | 63.8% | -150.8% |
| EPS (diluted) | $1.10 | $-0.53 |
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 | $66.8M | ||
| Q3 25 | $50.9M | $76.6M | ||
| Q2 25 | $50.3M | $68.2M | ||
| Q1 25 | $43.5M | $65.6M | ||
| Q4 24 | $33.2M | $70.4M | ||
| Q3 24 | $34.1M | $61.7M | ||
| Q2 24 | $33.3M | $52.3M | ||
| Q1 24 | $31.6M | $53.3M |
| Q4 25 | $10.8M | $-3.8M | ||
| Q3 25 | $14.9M | $13.3M | ||
| Q2 25 | $11.6M | $3.3M | ||
| Q1 25 | $-272.0K | $4.9M | ||
| Q4 24 | $6.6M | $7.6M | ||
| Q3 24 | $7.2M | $15.6M | ||
| Q2 24 | $11.3M | $6.0M | ||
| Q1 24 | $6.8M | $4.6M |
| Q4 25 | — | 18.0% | ||
| Q3 25 | — | 13.0% | ||
| Q2 25 | — | 10.0% | ||
| Q1 25 | — | 14.7% | ||
| Q4 24 | — | 12.0% | ||
| Q3 24 | — | 11.7% | ||
| Q2 24 | — | 13.4% | ||
| Q1 24 | — | 13.2% |
| Q4 25 | 27.9% | 11.3% | ||
| Q3 25 | 37.2% | 8.8% | ||
| Q2 25 | 29.7% | -0.1% | ||
| Q1 25 | -1.3% | 11.7% | ||
| Q4 24 | 24.8% | 5.5% | ||
| Q3 24 | 27.6% | 31.9% | ||
| Q2 24 | 42.8% | 14.1% | ||
| Q1 24 | 26.9% | 8.9% |
| Q4 25 | 22.9% | -5.8% | ||
| Q3 25 | 29.2% | 17.3% | ||
| Q2 25 | 23.2% | 4.8% | ||
| Q1 25 | -0.6% | 7.5% | ||
| Q4 24 | 19.9% | 10.7% | ||
| Q3 24 | 21.1% | 25.4% | ||
| Q2 24 | 33.9% | 11.4% | ||
| Q1 24 | 21.4% | 8.6% |
| Q4 25 | $1.10 | $-0.53 | ||
| Q3 25 | $1.42 | $1.78 | ||
| Q2 25 | $1.11 | $0.44 | ||
| Q1 25 | $-0.03 | $0.66 | ||
| Q4 24 | $0.77 | $0.99 | ||
| Q3 24 | $0.84 | $2.14 | ||
| Q2 24 | $1.32 | $0.81 | ||
| Q1 24 | $0.80 | $0.61 |
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 | $49.7M |
| Total DebtLower is stronger | $255.4M | $100.8M |
| Stockholders' EquityBook value | $420.0M | $429.2M |
| Total Assets | $3.2B | $661.2M |
| Debt / EquityLower = less leverage | 0.61× | 0.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $49.7M | ||
| Q3 25 | $102.1M | $52.7M | ||
| Q2 25 | $103.1M | $49.4M | ||
| Q1 25 | $123.6M | $61.9M | ||
| Q4 24 | $47.3M | $72.8M | ||
| Q3 24 | $58.1M | $63.1M | ||
| Q2 24 | $86.3M | $62.4M | ||
| Q1 24 | $53.1M | $61.8M |
| Q4 25 | $255.4M | $100.8M | ||
| Q3 25 | $255.4M | — | ||
| Q2 25 | $255.4M | — | ||
| Q1 25 | $255.3M | — | ||
| Q4 24 | $255.3M | $99.4M | ||
| Q3 24 | $255.3M | — | ||
| Q2 24 | $255.3M | $29.0M | ||
| Q1 24 | $255.3M | $28.4M |
| Q4 25 | $420.0M | $429.2M | ||
| Q3 25 | $408.6M | $426.4M | ||
| Q2 25 | $395.2M | $413.1M | ||
| Q1 25 | $386.9M | $409.1M | ||
| Q4 24 | $303.3M | $404.9M | ||
| Q3 24 | $306.8M | $397.3M | ||
| Q2 24 | $289.3M | $384.1M | ||
| Q1 24 | $279.9M | $381.6M |
| Q4 25 | $3.2B | $661.2M | ||
| Q3 25 | $3.3B | $637.6M | ||
| Q2 25 | $3.3B | $631.3M | ||
| Q1 25 | $3.3B | $634.2M | ||
| Q4 24 | $2.4B | $631.7M | ||
| Q3 24 | $2.4B | $597.4M | ||
| Q2 24 | $2.5B | $560.1M | ||
| Q1 24 | $2.4B | $538.0M |
| Q4 25 | 0.61× | 0.23× | ||
| Q3 25 | 0.62× | — | ||
| Q2 25 | 0.65× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.84× | 0.25× | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 0.88× | 0.08× | ||
| Q1 24 | 0.91× | 0.07× |
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 | $11.4M |
| 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.
| Q4 25 | $53.6M | $11.4M | ||
| Q3 25 | $23.2M | $42.3M | ||
| Q2 25 | $17.8M | $-7.8M | ||
| Q1 25 | $-71.0K | $5.0M | ||
| Q4 24 | $39.8M | $25.2M | ||
| Q3 24 | $13.6M | $2.8M | ||
| Q2 24 | $9.7M | $4.1M | ||
| Q1 24 | $10.8M | $-9.8M |
| Q4 25 | $52.6M | — | ||
| Q3 25 | $22.8M | — | ||
| Q2 25 | $17.6M | — | ||
| Q1 25 | $-730.0K | — | ||
| Q4 24 | $38.8M | — | ||
| Q3 24 | $13.3M | — | ||
| Q2 24 | $9.4M | — | ||
| Q1 24 | $10.7M | — |
| Q4 25 | 111.4% | — | ||
| Q3 25 | 44.7% | — | ||
| Q2 25 | 35.0% | — | ||
| Q1 25 | -1.7% | — | ||
| Q4 24 | 117.0% | — | ||
| Q3 24 | 39.1% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 33.9% | — |
| Q4 25 | 2.3% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 2.9% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.2% | — |
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | 3.19× | ||
| Q2 25 | 1.52× | -2.39× | ||
| Q1 25 | — | 1.03× | ||
| Q4 24 | 6.03× | 3.33× | ||
| Q3 24 | 1.88× | 0.18× | ||
| Q2 24 | 0.86× | 0.68× | ||
| Q1 24 | 1.60× | -2.14× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
NC
| Transferred Over Time | $42.7M | 64% |
| Transferred At Point In Time | $24.1M | 36% |
