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Side-by-side financial comparison of ACNB CORP (ACNB) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $47.2M, roughly 1.7× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs -178.3%, a 201.2% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 0.4%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $23.2M). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
ACNB vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $78.6M |
| Net Profit | $10.8M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 27.9% | -182.2% |
| Net Margin | 22.9% | -178.3% |
| Revenue YoY | 42.2% | 0.4% |
| Net Profit YoY | 63.8% | -3304.1% |
| EPS (diluted) | $1.10 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $50.9M | $77.7M | ||
| Q2 25 | $50.3M | $75.6M | ||
| Q1 25 | $43.5M | $77.3M | ||
| Q4 24 | $33.2M | $78.3M | ||
| Q3 24 | $34.1M | $79.1M | ||
| Q2 24 | $33.3M | $74.9M | ||
| Q1 24 | $31.6M | $80.7M |
| Q4 25 | $10.8M | $-140.1M | ||
| Q3 25 | $14.9M | $-6.4M | ||
| Q2 25 | $11.6M | $-102.3M | ||
| Q1 25 | $-272.0K | $-7.9M | ||
| Q4 24 | $6.6M | $-4.1M | ||
| Q3 24 | $7.2M | $3.2M | ||
| Q2 24 | $11.3M | $-4.1M | ||
| Q1 24 | $6.8M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 27.9% | -182.2% | ||
| Q3 25 | 37.2% | -3.9% | ||
| Q2 25 | 29.7% | -138.7% | ||
| Q1 25 | -1.3% | -4.7% | ||
| Q4 24 | 24.8% | -1.5% | ||
| Q3 24 | 27.6% | -0.9% | ||
| Q2 24 | 42.8% | -4.6% | ||
| Q1 24 | 26.9% | -3.1% |
| Q4 25 | 22.9% | -178.3% | ||
| Q3 25 | 29.2% | -8.3% | ||
| Q2 25 | 23.2% | -135.2% | ||
| Q1 25 | -0.6% | -10.3% | ||
| Q4 24 | 19.9% | -5.3% | ||
| Q3 24 | 21.1% | 4.1% | ||
| Q2 24 | 33.9% | -5.4% | ||
| Q1 24 | 21.4% | -6.5% |
| Q4 25 | $1.10 | $-1.68 | ||
| Q3 25 | $1.42 | $-0.08 | ||
| Q2 25 | $1.11 | $-1.15 | ||
| Q1 25 | $-0.03 | $-0.09 | ||
| Q4 24 | $0.77 | $-0.04 | ||
| Q3 24 | $0.84 | $0.03 | ||
| Q2 24 | $1.32 | $-0.04 | ||
| Q1 24 | $0.80 | $-0.06 |
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 | $115.7M |
| Total DebtLower is stronger | $255.4M | $280.1M |
| Stockholders' EquityBook value | $420.0M | $484.4M |
| Total Assets | $3.2B | $1.2B |
| Debt / EquityLower = less leverage | 0.61× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $115.7M | ||
| Q3 25 | $102.1M | $95.7M | ||
| Q2 25 | $103.1M | $162.6M | ||
| Q1 25 | $123.6M | $165.5M | ||
| Q4 24 | $47.3M | $189.5M | ||
| Q3 24 | $58.1M | $168.7M | ||
| Q2 24 | $86.3M | $147.1M | ||
| Q1 24 | $53.1M | $128.3M |
| Q4 25 | $255.4M | $280.1M | ||
| Q3 25 | $255.4M | $279.5M | ||
| Q2 25 | $255.4M | $279.0M | ||
| Q1 25 | $255.3M | $497.6M | ||
| Q4 24 | $255.3M | $496.8M | ||
| Q3 24 | $255.3M | $496.2M | ||
| Q2 24 | $255.3M | $435.6M | ||
| Q1 24 | $255.3M | $434.9M |
| Q4 25 | $420.0M | $484.4M | ||
| Q3 25 | $408.6M | $616.9M | ||
| Q2 25 | $395.2M | $633.7M | ||
| Q1 25 | $386.9M | $755.7M | ||
| Q4 24 | $303.3M | $761.3M | ||
| Q3 24 | $306.8M | $754.7M | ||
| Q2 24 | $289.3M | $815.4M | ||
| Q1 24 | $279.9M | $813.8M |
| Q4 25 | $3.2B | $1.2B | ||
| Q3 25 | $3.3B | $1.3B | ||
| Q2 25 | $3.3B | $1.4B | ||
| Q1 25 | $3.3B | $1.5B | ||
| Q4 24 | $2.4B | $1.6B | ||
| Q3 24 | $2.4B | $1.6B | ||
| Q2 24 | $2.5B | $1.5B | ||
| Q1 24 | $2.4B | $1.5B |
| Q4 25 | 0.61× | 0.58× | ||
| Q3 25 | 0.62× | 0.45× | ||
| Q2 25 | 0.65× | 0.44× | ||
| Q1 25 | 0.66× | 0.66× | ||
| Q4 24 | 0.84× | 0.65× | ||
| Q3 24 | 0.83× | 0.66× | ||
| Q2 24 | 0.88× | 0.53× | ||
| Q1 24 | 0.91× | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $52.6M | $23.2M |
| FCF MarginFCF / Revenue | 111.4% | 29.6% |
| Capex IntensityCapex / Revenue | 2.3% | 0.1% |
| Cash ConversionOCF / Net Profit | 4.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $23.3M | ||
| Q3 25 | $23.2M | $32.2M | ||
| Q2 25 | $17.8M | $33.1M | ||
| Q1 25 | $-71.0K | $2.5M | ||
| Q4 24 | $39.8M | $34.3M | ||
| Q3 24 | $13.6M | $60.1M | ||
| Q2 24 | $9.7M | $31.0M | ||
| Q1 24 | $10.8M | $24.8M |
| Q4 25 | $52.6M | $23.2M | ||
| Q3 25 | $22.8M | $32.1M | ||
| Q2 25 | $17.6M | $33.0M | ||
| Q1 25 | $-730.0K | $2.4M | ||
| Q4 24 | $38.8M | $34.0M | ||
| Q3 24 | $13.3M | $59.8M | ||
| Q2 24 | $9.4M | $30.5M | ||
| Q1 24 | $10.7M | $24.7M |
| Q4 25 | 111.4% | 29.6% | ||
| Q3 25 | 44.7% | 41.3% | ||
| Q2 25 | 35.0% | 43.6% | ||
| Q1 25 | -1.7% | 3.0% | ||
| Q4 24 | 117.0% | 43.5% | ||
| Q3 24 | 39.1% | 75.6% | ||
| Q2 24 | 28.3% | 40.7% | ||
| Q1 24 | 33.9% | 30.6% |
| Q4 25 | 2.3% | 0.1% | ||
| Q3 25 | 0.8% | 0.2% | ||
| Q2 25 | 0.4% | 0.1% | ||
| Q1 25 | 1.5% | 0.2% | ||
| Q4 24 | 2.9% | 0.3% | ||
| Q3 24 | 0.7% | 0.3% | ||
| Q2 24 | 0.9% | 0.6% | ||
| Q1 24 | 0.2% | 0.1% |
| Q4 25 | 4.96× | — | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | 18.52× | ||
| Q2 24 | 0.86× | — | ||
| Q1 24 | 1.60× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
