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Side-by-side financial comparison of ACNB CORP (ACNB) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
ACNB CORP is the larger business by last-quarter revenue ($47.2M vs $26.6M, roughly 1.8× Owlet, Inc.). ACNB CORP runs the higher net margin — 22.9% vs -34.6%, a 57.5% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 29.6%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% 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.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
ACNB vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $26.6M |
| Net Profit | $10.8M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | 27.9% | -18.4% |
| Net Margin | 22.9% | -34.6% |
| Revenue YoY | 42.2% | 29.6% |
| Net Profit YoY | 63.8% | -1.5% |
| EPS (diluted) | $1.10 | — |
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 | $26.6M | ||
| Q3 25 | $50.9M | $32.0M | ||
| Q2 25 | $50.3M | $26.1M | ||
| Q1 25 | $43.5M | $21.1M | ||
| Q4 24 | $33.2M | $20.5M | ||
| Q3 24 | $34.1M | $22.1M | ||
| Q2 24 | $33.3M | $20.7M | ||
| Q1 24 | $31.6M | $14.8M |
| Q4 25 | $10.8M | $-9.2M | ||
| Q3 25 | $14.9M | $4.1M | ||
| Q2 25 | $11.6M | $-37.6M | ||
| Q1 25 | $-272.0K | $3.0M | ||
| Q4 24 | $6.6M | $-9.1M | ||
| Q3 24 | $7.2M | $-5.6M | ||
| Q2 24 | $11.3M | $-1.1M | ||
| Q1 24 | $6.8M | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | 27.9% | -18.4% | ||
| Q3 25 | 37.2% | 3.8% | ||
| Q2 25 | 29.7% | -7.4% | ||
| Q1 25 | -1.3% | -12.7% | ||
| Q4 24 | 24.8% | -36.2% | ||
| Q3 24 | 27.6% | -21.8% | ||
| Q2 24 | 42.8% | -10.8% | ||
| Q1 24 | 26.9% | -39.0% |
| Q4 25 | 22.9% | -34.6% | ||
| Q3 25 | 29.2% | 12.9% | ||
| Q2 25 | 23.2% | -144.4% | ||
| Q1 25 | -0.6% | 14.3% | ||
| Q4 24 | 19.9% | -44.2% | ||
| Q3 24 | 21.1% | -25.4% | ||
| Q2 24 | 33.9% | -5.5% | ||
| Q1 24 | 21.4% | 22.2% |
| Q4 25 | $1.10 | — | ||
| Q3 25 | $1.42 | $-0.06 | ||
| Q2 25 | $1.11 | $-2.37 | ||
| Q1 25 | $-0.03 | $0.11 | ||
| Q4 24 | $0.77 | $-0.15 | ||
| Q3 24 | $0.84 | $-0.61 | ||
| Q2 24 | $1.32 | $-0.30 | ||
| Q1 24 | $0.80 | $-0.51 |
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 | $35.5M |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $19.0M |
| Total Assets | $3.2B | $85.6M |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $35.5M | ||
| Q3 25 | $102.1M | $23.8M | ||
| Q2 25 | $103.1M | $21.8M | ||
| Q1 25 | $123.6M | $16.3M | ||
| Q4 24 | $47.3M | $20.2M | ||
| Q3 24 | $58.1M | $21.6M | ||
| Q2 24 | $86.3M | $15.4M | ||
| Q1 24 | $53.1M | $18.4M |
| 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 | $2.1M | ||
| Q1 24 | $255.3M | $4.0M |
| Q4 25 | $420.0M | $19.0M | ||
| Q3 25 | $408.6M | $-54.1M | ||
| Q2 25 | $395.2M | $-59.2M | ||
| Q1 25 | $386.9M | $-25.8M | ||
| Q4 24 | $303.3M | $-29.8M | ||
| Q3 24 | $306.8M | $-21.5M | ||
| Q2 24 | $289.3M | $-33.4M | ||
| Q1 24 | $279.9M | $-32.9M |
| Q4 25 | $3.2B | $85.6M | ||
| Q3 25 | $3.3B | $74.9M | ||
| Q2 25 | $3.3B | $63.5M | ||
| Q1 25 | $3.3B | $51.4M | ||
| Q4 24 | $2.4B | $49.5M | ||
| Q3 24 | $2.4B | $56.1M | ||
| Q2 24 | $2.5B | $45.9M | ||
| Q1 24 | $2.4B | $43.8M |
| 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 | $-452.0K |
| Free Cash FlowOCF − Capex | $52.6M | $-651.0K |
| FCF MarginFCF / Revenue | 111.4% | -2.5% |
| Capex IntensityCapex / Revenue | 2.3% | 0.7% |
| Cash ConversionOCF / Net Profit | 4.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $-452.0K | ||
| Q3 25 | $23.2M | $-2.2M | ||
| Q2 25 | $17.8M | $-2.2M | ||
| Q1 25 | $-71.0K | $-5.9M | ||
| Q4 24 | $39.8M | $3.0M | ||
| Q3 24 | $13.6M | $-7.5M | ||
| Q2 24 | $9.7M | $-3.4M | ||
| Q1 24 | $10.8M | $-3.4M |
| Q4 25 | $52.6M | $-651.0K | ||
| Q3 25 | $22.8M | $-2.2M | ||
| Q2 25 | $17.6M | $-2.3M | ||
| Q1 25 | $-730.0K | $-5.9M | ||
| Q4 24 | $38.8M | $3.0M | ||
| Q3 24 | $13.3M | $-7.5M | ||
| Q2 24 | $9.4M | $-3.4M | ||
| Q1 24 | $10.7M | — |
| Q4 25 | 111.4% | -2.5% | ||
| Q3 25 | 44.7% | -6.8% | ||
| Q2 25 | 35.0% | -8.8% | ||
| Q1 25 | -1.7% | -28.1% | ||
| Q4 24 | 117.0% | 14.5% | ||
| Q3 24 | 39.1% | -33.9% | ||
| Q2 24 | 28.3% | -16.3% | ||
| Q1 24 | 33.9% | — |
| Q4 25 | 2.3% | 0.7% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 0.4% | 0.2% | ||
| Q1 25 | 1.5% | 0.0% | ||
| Q4 24 | 2.9% | 0.2% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 0.9% | 0.0% | ||
| Q1 24 | 0.2% | 0.0% |
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | -0.52× | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | -1.96× | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | — | ||
| Q1 24 | 1.60× | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
