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Side-by-side financial comparison of ACNB CORP (ACNB) and STEM, INC. (STEM). Click either name above to swap in a different company.
ACNB CORP is the larger business by last-quarter revenue ($47.2M vs $47.1M, roughly 1.0× STEM, INC.). ACNB CORP runs the higher net margin — 22.9% vs -33.9%, a 56.8% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% 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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
ACNB vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $47.1M |
| Net Profit | $10.8M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 27.9% | -17.7% |
| Net Margin | 22.9% | -33.9% |
| Revenue YoY | 42.2% | -15.6% |
| Net Profit YoY | 63.8% | 68.8% |
| EPS (diluted) | $1.10 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $50.9M | $38.2M | ||
| Q2 25 | $50.3M | $38.4M | ||
| Q1 25 | $43.5M | $32.5M | ||
| Q4 24 | $33.2M | $55.8M | ||
| Q3 24 | $34.1M | $29.3M | ||
| Q2 24 | $33.3M | $34.0M | ||
| Q1 24 | $31.6M | $25.5M |
| Q4 25 | $10.8M | $-16.0M | ||
| Q3 25 | $14.9M | $-23.8M | ||
| Q2 25 | $11.6M | $202.5M | ||
| Q1 25 | $-272.0K | $-25.0M | ||
| Q4 24 | $6.6M | $-51.1M | ||
| Q3 24 | $7.2M | $-148.3M | ||
| Q2 24 | $11.3M | $-582.3M | ||
| Q1 24 | $6.8M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 27.9% | -17.7% | ||
| Q3 25 | 37.2% | -33.6% | ||
| Q2 25 | 29.7% | -34.8% | ||
| Q1 25 | -1.3% | -65.0% | ||
| Q4 24 | 24.8% | -84.4% | ||
| Q3 24 | 27.6% | -493.2% | ||
| Q2 24 | 42.8% | -1705.5% | ||
| Q1 24 | 26.9% | -267.0% |
| Q4 25 | 22.9% | -33.9% | ||
| Q3 25 | 29.2% | -62.2% | ||
| Q2 25 | 23.2% | 527.8% | ||
| Q1 25 | -0.6% | -76.9% | ||
| Q4 24 | 19.9% | -91.6% | ||
| Q3 24 | 21.1% | -506.3% | ||
| Q2 24 | 33.9% | -1712.6% | ||
| Q1 24 | 21.4% | -283.9% |
| Q4 25 | $1.10 | $-4.40 | ||
| Q3 25 | $1.42 | $-2.84 | ||
| Q2 25 | $1.11 | $-1.79 | ||
| Q1 25 | $-0.03 | $-0.15 | ||
| Q4 24 | $0.77 | $-15.29 | ||
| Q3 24 | $0.84 | $-18.24 | ||
| Q2 24 | $1.32 | $-71.81 | ||
| Q1 24 | $0.80 | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $-249.4M |
| Total Assets | $3.2B | $308.9M |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $48.9M | ||
| Q3 25 | $102.1M | $43.1M | ||
| Q2 25 | $103.1M | $40.8M | ||
| Q1 25 | $123.6M | $58.6M | ||
| Q4 24 | $47.3M | $56.3M | ||
| Q3 24 | $58.1M | $75.4M | ||
| Q2 24 | $86.3M | $89.6M | ||
| Q1 24 | $53.1M | $112.8M |
| 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 24 | $255.3M | — |
| Q4 25 | $420.0M | $-249.4M | ||
| Q3 25 | $408.6M | $-235.7M | ||
| Q2 25 | $395.2M | $-214.1M | ||
| Q1 25 | $386.9M | $-417.5M | ||
| Q4 24 | $303.3M | $-398.4M | ||
| Q3 24 | $306.8M | $-344.1M | ||
| Q2 24 | $289.3M | $-203.2M | ||
| Q1 24 | $279.9M | $371.6M |
| Q4 25 | $3.2B | $308.9M | ||
| Q3 25 | $3.3B | $362.6M | ||
| Q2 25 | $3.3B | $379.2M | ||
| Q1 25 | $3.3B | $405.1M | ||
| Q4 24 | $2.4B | $437.4M | ||
| Q3 24 | $2.4B | $537.8M | ||
| Q2 24 | $2.5B | $691.5M | ||
| Q1 24 | $2.4B | $1.3B |
| 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 | $8.2M |
| 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 | $8.2M | ||
| Q3 25 | $23.2M | $11.4M | ||
| Q2 25 | $17.8M | $-21.3M | ||
| Q1 25 | $-71.0K | $8.5M | ||
| Q4 24 | $39.8M | $-14.7M | ||
| Q3 24 | $13.6M | $-9.4M | ||
| Q2 24 | $9.7M | $-11.9M | ||
| Q1 24 | $10.8M | $-621.0K |
| 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× | — | ||
| Q2 25 | 1.52× | -0.11× | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.03× | — | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | — | ||
| Q1 24 | 1.60× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
