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Side-by-side financial comparison of ACNB CORP (ACNB) and OneSpan Inc. (OSPN). Click either name above to swap in a different company.
OneSpan Inc. is the larger business by last-quarter revenue ($65.9M vs $47.2M, roughly 1.4× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs 17.5%, a 5.4% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 4.1%). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs 4.0%).
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.
OneSpan Inc. is an information security company based in Boston, Massachusetts. Services include an internet fraud prevention platform, multi-factor authentication tools and electronic signature software.
ACNB vs OSPN — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $65.9M |
| Net Profit | $10.8M | $11.6M |
| Gross Margin | — | 73.6% |
| Operating Margin | 27.9% | 22.5% |
| Net Margin | 22.9% | 17.5% |
| Revenue YoY | 42.2% | 4.1% |
| Net Profit YoY | 63.8% | — |
| EPS (diluted) | $1.10 | $0.39 |
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 | — | $65.9M | ||
| Q4 25 | $47.2M | $62.9M | ||
| Q3 25 | $50.9M | $57.1M | ||
| Q2 25 | $50.3M | $59.8M | ||
| Q1 25 | $43.5M | $63.4M | ||
| Q4 24 | $33.2M | $61.2M | ||
| Q3 24 | $34.1M | $56.2M | ||
| Q2 24 | $33.3M | $60.9M |
| Q1 26 | — | $11.6M | ||
| Q4 25 | $10.8M | $43.5M | ||
| Q3 25 | $14.9M | $6.5M | ||
| Q2 25 | $11.6M | $8.3M | ||
| Q1 25 | $-272.0K | $14.5M | ||
| Q4 24 | $6.6M | $28.8M | ||
| Q3 24 | $7.2M | $8.3M | ||
| Q2 24 | $11.3M | $6.6M |
| Q1 26 | — | 73.6% | ||
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 73.6% | ||
| Q2 25 | — | 73.5% | ||
| Q1 25 | — | 74.3% | ||
| Q4 24 | — | 74.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | 66.2% |
| Q1 26 | — | 22.5% | ||
| Q4 25 | 27.9% | 19.9% | ||
| Q3 25 | 37.2% | 14.4% | ||
| Q2 25 | 29.7% | 17.6% | ||
| Q1 25 | -1.3% | 27.1% | ||
| Q4 24 | 24.8% | 19.3% | ||
| Q3 24 | 27.6% | 20.0% | ||
| Q2 24 | 42.8% | 12.5% |
| Q1 26 | — | 17.5% | ||
| Q4 25 | 22.9% | 69.2% | ||
| Q3 25 | 29.2% | 11.4% | ||
| Q2 25 | 23.2% | 13.9% | ||
| Q1 25 | -0.6% | 22.9% | ||
| Q4 24 | 19.9% | 47.1% | ||
| Q3 24 | 21.1% | 14.7% | ||
| Q2 24 | 33.9% | 10.8% |
| Q1 26 | — | $0.39 | ||
| Q4 25 | $1.10 | $1.13 | ||
| Q3 25 | $1.42 | $0.17 | ||
| Q2 25 | $1.11 | $0.21 | ||
| Q1 25 | $-0.03 | $0.37 | ||
| Q4 24 | $0.77 | $0.73 | ||
| Q3 24 | $0.84 | $0.21 | ||
| Q2 24 | $1.32 | $0.17 |
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 | $49.8M |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $272.0M |
| Total Assets | $3.2B | $383.1M |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $49.8M | ||
| Q4 25 | $65.6M | $70.5M | ||
| Q3 25 | $102.1M | $85.6M | ||
| Q2 25 | $103.1M | $92.9M | ||
| Q1 25 | $123.6M | $105.2M | ||
| Q4 24 | $47.3M | $83.2M | ||
| Q3 24 | $58.1M | $77.5M | ||
| Q2 24 | $86.3M | $63.8M |
| 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 | — | $272.0M | ||
| Q4 25 | $420.0M | $271.8M | ||
| Q3 25 | $408.6M | $238.3M | ||
| Q2 25 | $395.2M | $242.5M | ||
| Q1 25 | $386.9M | $231.1M | ||
| Q4 24 | $303.3M | $212.5M | ||
| Q3 24 | $306.8M | $194.6M | ||
| Q2 24 | $289.3M | $178.6M |
| Q1 26 | — | $383.1M | ||
| Q4 25 | $3.2B | $397.7M | ||
| Q3 25 | $3.3B | $343.5M | ||
| Q2 25 | $3.3B | $357.1M | ||
| Q1 25 | $3.3B | $333.8M | ||
| Q4 24 | $2.4B | $338.7M | ||
| Q3 24 | $2.4B | $289.3M | ||
| Q2 24 | $2.5B | $286.9M |
| 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 | $28.2M |
| Free Cash FlowOCF − Capex | $52.6M | — |
| FCF MarginFCF / Revenue | 111.4% | — |
| Capex IntensityCapex / Revenue | 2.3% | — |
| Cash ConversionOCF / Net Profit | 4.96× | 2.44× |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $28.2M | ||
| Q4 25 | $53.6M | $12.6M | ||
| Q3 25 | $23.2M | $11.3M | ||
| Q2 25 | $17.8M | $6.2M | ||
| Q1 25 | $-71.0K | $29.4M | ||
| Q4 24 | $39.8M | $12.4M | ||
| Q3 24 | $13.6M | $14.0M | ||
| Q2 24 | $9.7M | $2.3M |
| Q1 26 | — | — | ||
| Q4 25 | $52.6M | $9.6M | ||
| Q3 25 | $22.8M | $8.8M | ||
| Q2 25 | $17.6M | $4.4M | ||
| Q1 25 | $-730.0K | $27.7M | ||
| Q4 24 | $38.8M | $10.5M | ||
| Q3 24 | $13.3M | $12.0M | ||
| Q2 24 | $9.4M | $26.0K |
| Q1 26 | — | — | ||
| Q4 25 | 111.4% | 15.3% | ||
| Q3 25 | 44.7% | 15.4% | ||
| Q2 25 | 35.0% | 7.3% | ||
| Q1 25 | -1.7% | 43.8% | ||
| Q4 24 | 117.0% | 17.1% | ||
| Q3 24 | 39.1% | 21.4% | ||
| Q2 24 | 28.3% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 4.7% | ||
| Q3 25 | 0.8% | 4.4% | ||
| Q2 25 | 0.4% | 3.1% | ||
| Q1 25 | 1.5% | 2.6% | ||
| Q4 24 | 2.9% | 3.2% | ||
| Q3 24 | 0.7% | 3.5% | ||
| Q2 24 | 0.9% | 3.7% |
| Q1 26 | — | 2.44× | ||
| Q4 25 | 4.96× | 0.29× | ||
| Q3 25 | 1.56× | 1.74× | ||
| Q2 25 | 1.52× | 0.75× | ||
| Q1 25 | — | 2.02× | ||
| Q4 24 | 6.03× | 0.43× | ||
| Q3 24 | 1.88× | 1.69× | ||
| Q2 24 | 0.86× | 0.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
OSPN
| Product and license | $35.5M | 54% |
| Services and other | $30.4M | 46% |
