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Side-by-side financial comparison of ACNB CORP (ACNB) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
TSS, Inc. is the larger business by last-quarter revenue ($60.9M vs $47.2M, roughly 1.3× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs 20.0%, a 2.9% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 21.8%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
ACNB vs TSSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $60.9M |
| Net Profit | $10.8M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | 27.9% | 1.5% |
| Net Margin | 22.9% | 20.0% |
| Revenue YoY | 42.2% | 21.8% |
| Net Profit YoY | 63.8% | 535.7% |
| EPS (diluted) | $1.10 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $50.9M | $41.9M | ||
| Q2 25 | $50.3M | $44.0M | ||
| Q1 25 | $43.5M | $99.0M | ||
| Q4 24 | $33.2M | $50.0M | ||
| Q3 24 | $34.1M | $70.1M | ||
| Q2 24 | $33.3M | $12.2M | ||
| Q1 24 | $31.6M | $15.9M |
| Q4 25 | $10.8M | $12.2M | ||
| Q3 25 | $14.9M | $-1.5M | ||
| Q2 25 | $11.6M | $1.5M | ||
| Q1 25 | $-272.0K | $3.0M | ||
| Q4 24 | $6.6M | $1.9M | ||
| Q3 24 | $7.2M | $2.6M | ||
| Q2 24 | $11.3M | $1.4M | ||
| Q1 24 | $6.8M | $15.0K |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 17.1% |
| Q4 25 | 27.9% | 1.5% | ||
| Q3 25 | 37.2% | -2.2% | ||
| Q2 25 | 29.7% | 5.1% | ||
| Q1 25 | -1.3% | 4.2% | ||
| Q4 24 | 24.8% | 0.0% | ||
| Q3 24 | 27.6% | 5.4% | ||
| Q2 24 | 42.8% | 14.0% | ||
| Q1 24 | 26.9% | 1.6% |
| Q4 25 | 22.9% | 20.0% | ||
| Q3 25 | 29.2% | -3.6% | ||
| Q2 25 | 23.2% | 3.4% | ||
| Q1 25 | -0.6% | 3.0% | ||
| Q4 24 | 19.9% | 3.8% | ||
| Q3 24 | 21.1% | 3.8% | ||
| Q2 24 | 33.9% | 11.5% | ||
| Q1 24 | 21.4% | 0.1% |
| Q4 25 | $1.10 | $0.44 | ||
| Q3 25 | $1.42 | $-0.06 | ||
| Q2 25 | $1.11 | $0.06 | ||
| Q1 25 | $-0.03 | $0.12 | ||
| Q4 24 | $0.77 | $0.08 | ||
| Q3 24 | $0.84 | $0.10 | ||
| Q2 24 | $1.32 | $0.06 | ||
| Q1 24 | $0.80 | $0.00 |
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 | $85.5M |
| Total DebtLower is stronger | $255.4M | — |
| Stockholders' EquityBook value | $420.0M | $76.6M |
| Total Assets | $3.2B | $184.9M |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $85.5M | ||
| Q3 25 | $102.1M | $70.7M | ||
| Q2 25 | $103.1M | — | ||
| Q1 25 | $123.6M | — | ||
| Q4 24 | $47.3M | $23.2M | ||
| Q3 24 | $58.1M | $46.4M | ||
| Q2 24 | $86.3M | $8.3M | ||
| Q1 24 | $53.1M | $14.4M |
| 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 | — | ||
| Q1 24 | $255.3M | — |
| Q4 25 | $420.0M | $76.6M | ||
| Q3 25 | $408.6M | $63.4M | ||
| Q2 25 | $395.2M | $9.5M | ||
| Q1 25 | $386.9M | $9.4M | ||
| Q4 24 | $303.3M | $7.1M | ||
| Q3 24 | $306.8M | $7.7M | ||
| Q2 24 | $289.3M | $5.2M | ||
| Q1 24 | $279.9M | $3.7M |
| Q4 25 | $3.2B | $184.9M | ||
| Q3 25 | $3.3B | $165.4M | ||
| Q2 25 | $3.3B | $139.5M | ||
| Q1 25 | $3.3B | $113.5M | ||
| Q4 24 | $2.4B | $96.6M | ||
| Q3 24 | $2.4B | $67.3M | ||
| Q2 24 | $2.5B | $28.9M | ||
| Q1 24 | $2.4B | $26.8M |
| 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 | $16.3M |
| Free Cash FlowOCF − Capex | $52.6M | $15.8M |
| FCF MarginFCF / Revenue | 111.4% | 25.9% |
| Capex IntensityCapex / Revenue | 2.3% | 0.9% |
| Cash ConversionOCF / Net Profit | 4.96× | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $16.3M | ||
| Q3 25 | $23.2M | $-18.4M | ||
| Q2 25 | $17.8M | $16.3M | ||
| Q1 25 | $-71.0K | $20.6M | ||
| Q4 24 | $39.8M | $-21.6M | ||
| Q3 24 | $13.6M | $38.6M | ||
| Q2 24 | $9.7M | $-4.3M | ||
| Q1 24 | $10.8M | $2.6M |
| Q4 25 | $52.6M | $15.8M | ||
| Q3 25 | $22.8M | $-24.9M | ||
| Q2 25 | $17.6M | $5.4M | ||
| Q1 25 | $-730.0K | $5.8M | ||
| Q4 24 | $38.8M | $-28.4M | ||
| Q3 24 | $13.3M | $38.6M | ||
| Q2 24 | $9.4M | $-6.0M | ||
| Q1 24 | $10.7M | $2.6M |
| Q4 25 | 111.4% | 25.9% | ||
| Q3 25 | 44.7% | -59.3% | ||
| Q2 25 | 35.0% | 12.3% | ||
| Q1 25 | -1.7% | 5.8% | ||
| Q4 24 | 117.0% | -56.7% | ||
| Q3 24 | 39.1% | 55.1% | ||
| Q2 24 | 28.3% | -49.4% | ||
| Q1 24 | 33.9% | 16.4% |
| Q4 25 | 2.3% | 0.9% | ||
| Q3 25 | 0.8% | 15.3% | ||
| Q2 25 | 0.4% | 24.8% | ||
| Q1 25 | 1.5% | 15.0% | ||
| Q4 24 | 2.9% | 13.4% | ||
| Q3 24 | 0.7% | 0.1% | ||
| Q2 24 | 0.9% | 13.8% | ||
| Q1 24 | 0.2% | 0.2% |
| Q4 25 | 4.96× | 1.34× | ||
| Q3 25 | 1.56× | — | ||
| Q2 25 | 1.52× | 11.02× | ||
| Q1 25 | — | 6.93× | ||
| Q4 24 | 6.03× | -11.32× | ||
| Q3 24 | 1.88× | 14.60× | ||
| Q2 24 | 0.86× | -3.09× | ||
| Q1 24 | 1.60× | 176.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
