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Side-by-side financial comparison of ACNB CORP (ACNB) and NATIONAL RESEARCH CORP (NRC). Click either name above to swap in a different company.
ACNB CORP is the larger business by last-quarter revenue ($47.2M vs $35.2M, roughly 1.3× NATIONAL RESEARCH CORP). ACNB CORP runs the higher net margin — 22.9% vs 5.1%, a 17.8% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs -4.6%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $6.1M). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs -0.2%).
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.
National Research Corporation, doing business as NRC Health, is an American healthcare company which provides healthcare products and subscription-based solutions in United States and Canada. It was founded in 1981, and is based in Lincoln, Nebraska.
ACNB vs NRC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $35.2M |
| Net Profit | $10.8M | $1.8M |
| Gross Margin | — | — |
| Operating Margin | 27.9% | 13.3% |
| Net Margin | 22.9% | 5.1% |
| Revenue YoY | 42.2% | -4.6% |
| Net Profit YoY | 63.8% | -72.6% |
| EPS (diluted) | $1.10 | $49.58 |
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 | $35.2M | ||
| Q3 25 | $50.9M | $34.6M | ||
| Q2 25 | $50.3M | $34.0M | ||
| Q1 25 | $43.5M | $33.6M | ||
| Q4 24 | $33.2M | $36.9M | ||
| Q3 24 | $34.1M | $35.8M | ||
| Q2 24 | $33.3M | $35.0M | ||
| Q1 24 | $31.6M | $35.3M |
| Q4 25 | $10.8M | $1.8M | ||
| Q3 25 | $14.9M | $4.1M | ||
| Q2 25 | $11.6M | $-106.0K | ||
| Q1 25 | $-272.0K | $5.8M | ||
| Q4 24 | $6.6M | $6.6M | ||
| Q3 24 | $7.2M | $5.7M | ||
| Q2 24 | $11.3M | $6.2M | ||
| Q1 24 | $6.8M | $6.4M |
| Q4 25 | 27.9% | 13.3% | ||
| Q3 25 | 37.2% | 22.4% | ||
| Q2 25 | 29.7% | 4.7% | ||
| Q1 25 | -1.3% | 25.6% | ||
| Q4 24 | 24.8% | 26.0% | ||
| Q3 24 | 27.6% | 22.3% | ||
| Q2 24 | 42.8% | 25.3% | ||
| Q1 24 | 26.9% | 24.8% |
| Q4 25 | 22.9% | 5.1% | ||
| Q3 25 | 29.2% | 11.9% | ||
| Q2 25 | 23.2% | -0.3% | ||
| Q1 25 | -0.6% | 17.2% | ||
| Q4 24 | 19.9% | 17.8% | ||
| Q3 24 | 21.1% | 15.9% | ||
| Q2 24 | 33.9% | 17.6% | ||
| Q1 24 | 21.4% | 18.0% |
| Q4 25 | $1.10 | $49.58 | ||
| Q3 25 | $1.42 | $0.18 | ||
| Q2 25 | $1.11 | $-0.01 | ||
| Q1 25 | $-0.03 | $0.25 | ||
| Q4 24 | $0.77 | $0.27 | ||
| Q3 24 | $0.84 | $0.24 | ||
| Q2 24 | $1.32 | $0.26 | ||
| Q1 24 | $0.80 | $0.27 |
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 | $4.1M |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $14.0M |
| Total Assets | $3.2B | $134.9M |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $4.1M | ||
| Q3 25 | $102.1M | $2.2M | ||
| Q2 25 | $103.1M | $5.3M | ||
| Q1 25 | $123.6M | $2.5M | ||
| Q4 24 | $47.3M | $4.2M | ||
| Q3 24 | $58.1M | $3.5M | ||
| Q2 24 | $86.3M | $485.0K | ||
| Q1 24 | $53.1M | $1.7M |
| Q4 25 | $255.4M | — | ||
| Q3 25 | $255.4M | — | ||
| Q2 25 | $255.4M | — | ||
| Q1 25 | $255.3M | — | ||
| Q4 24 | $255.3M | — | ||
| Q3 24 | $255.3M | $48.7M | ||
| Q2 24 | $255.3M | $33.3M | ||
| Q1 24 | $255.3M | $35.2M |
| Q4 25 | $420.0M | $14.0M | ||
| Q3 25 | $408.6M | $14.3M | ||
| Q2 25 | $395.2M | $21.3M | ||
| Q1 25 | $386.9M | $29.7M | ||
| Q4 24 | $303.3M | $31.3M | ||
| Q3 24 | $306.8M | $34.6M | ||
| Q2 24 | $289.3M | $40.2M | ||
| Q1 24 | $279.9M | $36.9M |
| Q4 25 | $3.2B | $134.9M | ||
| Q3 25 | $3.3B | $135.7M | ||
| Q2 25 | $3.3B | $141.4M | ||
| Q1 25 | $3.3B | $135.2M | ||
| Q4 24 | $2.4B | $132.5M | ||
| Q3 24 | $2.4B | $131.8M | ||
| Q2 24 | $2.5B | $119.1M | ||
| Q1 24 | $2.4B | $120.9M |
| Q4 25 | 0.61× | — | ||
| Q3 25 | 0.62× | — | ||
| Q2 25 | 0.65× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.84× | — | ||
| Q3 24 | 0.83× | 1.41× | ||
| Q2 24 | 0.88× | 0.83× | ||
| Q1 24 | 0.91× | 0.95× |
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 | $7.2M |
| Free Cash FlowOCF − Capex | $52.6M | $6.1M |
| FCF MarginFCF / Revenue | 111.4% | 17.2% |
| Capex IntensityCapex / Revenue | 2.3% | 3.2% |
| Cash ConversionOCF / Net Profit | 4.96× | 3.99× |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $15.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $7.2M | ||
| Q3 25 | $23.2M | $13.8M | ||
| Q2 25 | $17.8M | $-1.1M | ||
| Q1 25 | $-71.0K | $6.6M | ||
| Q4 24 | $39.8M | $6.4M | ||
| Q3 24 | $13.6M | $9.4M | ||
| Q2 24 | $9.7M | $6.8M | ||
| Q1 24 | $10.8M | $12.0M |
| Q4 25 | $52.6M | $6.1M | ||
| Q3 25 | $22.8M | $10.2M | ||
| Q2 25 | $17.6M | $-4.1M | ||
| Q1 25 | $-730.0K | $3.7M | ||
| Q4 24 | $38.8M | $1.9M | ||
| Q3 24 | $13.3M | $7.8M | ||
| Q2 24 | $9.4M | $1.5M | ||
| Q1 24 | $10.7M | $7.9M |
| Q4 25 | 111.4% | 17.2% | ||
| Q3 25 | 44.7% | 29.4% | ||
| Q2 25 | 35.0% | -12.2% | ||
| Q1 25 | -1.7% | 10.9% | ||
| Q4 24 | 117.0% | 5.2% | ||
| Q3 24 | 39.1% | 21.8% | ||
| Q2 24 | 28.3% | 4.3% | ||
| Q1 24 | 33.9% | 22.4% |
| Q4 25 | 2.3% | 3.2% | ||
| Q3 25 | 0.8% | 10.4% | ||
| Q2 25 | 0.4% | 8.8% | ||
| Q1 25 | 1.5% | 8.9% | ||
| Q4 24 | 2.9% | 12.0% | ||
| Q3 24 | 0.7% | 4.5% | ||
| Q2 24 | 0.9% | 15.0% | ||
| Q1 24 | 0.2% | 11.7% |
| Q4 25 | 4.96× | 3.99× | ||
| Q3 25 | 1.56× | 3.34× | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | 1.15× | ||
| Q4 24 | 6.03× | 0.97× | ||
| Q3 24 | 1.88× | 1.66× | ||
| Q2 24 | 0.86× | 1.10× | ||
| Q1 24 | 1.60× | 1.89× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
