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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and Origin Bancorp, Inc. (OBK). Click either name above to swap in a different company.
ACV Auctions Inc. is the larger business by last-quarter revenue ($183.6M vs $104.0M, roughly 1.8× Origin Bancorp, Inc.). Over the past eight quarters, ACV Auctions Inc.'s revenue compounded faster (12.3% CAGR vs 3.9%).
ACV Auctions Inc.ACVAEarnings & Financial Report
ACV Auctions Inc. operates a leading digital wholesale vehicle auction platform serving automotive dealers across the U.S. and Canada. It offers end-to-end services including transparent vehicle inspections, secure payment processing, and logistics support, enabling efficient trading of used vehicles between registered wholesale buyers and sellers.
Southern Bancorp is a community development financial institution headquartered in Arkadelphia, Arkansas. It was founded in 1986 as Southern Development Bancorporation, and is often referred to simply as "Southern".
ACVA vs OBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $104.0M |
| Net Profit | — | $27.7M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | — |
| Net Margin | — | 26.6% |
| Revenue YoY | 15.1% | — |
| Net Profit YoY | — | — |
| EPS (diluted) | $-0.12 | $0.89 |
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 | — | $104.0M | ||
| Q4 25 | $183.6M | $103.4M | ||
| Q3 25 | $199.6M | $109.8M | ||
| Q2 25 | $193.7M | $83.5M | ||
| Q1 25 | $182.7M | $94.1M | ||
| Q4 24 | $159.5M | $78.3M | ||
| Q3 24 | $171.3M | $90.8M | ||
| Q2 24 | $160.6M | $96.4M |
| Q1 26 | — | $27.7M | ||
| Q4 25 | — | $29.5M | ||
| Q3 25 | $-24.5M | $8.6M | ||
| Q2 25 | $-7.3M | $14.6M | ||
| Q1 25 | $-14.8M | $22.4M | ||
| Q4 24 | — | $14.3M | ||
| Q3 24 | $-16.0M | $18.6M | ||
| Q2 24 | $-17.1M | $21.0M |
| Q1 26 | — | — | ||
| Q4 25 | -9.7% | 36.2% | ||
| Q3 25 | -11.9% | 10.0% | ||
| Q2 25 | -3.7% | 22.3% | ||
| Q1 25 | -7.9% | 30.4% | ||
| Q4 24 | -16.2% | 23.0% | ||
| Q3 24 | -10.0% | 26.1% | ||
| Q2 24 | -11.6% | 27.7% |
| Q1 26 | — | 26.6% | ||
| Q4 25 | — | 28.5% | ||
| Q3 25 | -12.3% | 7.9% | ||
| Q2 25 | -3.8% | 17.5% | ||
| Q1 25 | -8.1% | 23.8% | ||
| Q4 24 | — | 18.2% | ||
| Q3 24 | -9.4% | 20.5% | ||
| Q2 24 | -10.6% | 21.8% |
| Q1 26 | — | $0.89 | ||
| Q4 25 | $-0.12 | $0.95 | ||
| Q3 25 | $-0.14 | $0.27 | ||
| Q2 25 | $-0.04 | $0.47 | ||
| Q1 25 | $-0.09 | $0.71 | ||
| Q4 24 | $-0.15 | $0.45 | ||
| Q3 24 | $-0.10 | $0.60 | ||
| Q2 24 | $-0.10 | $0.67 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $271.5M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $429.7M | $1.3B |
| Total Assets | $1.1B | $10.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $271.5M | $424.2M | ||
| Q3 25 | $265.3M | $626.9M | ||
| Q2 25 | $258.4M | $334.1M | ||
| Q1 25 | $291.9M | $486.2M | ||
| Q4 24 | $224.1M | $470.2M | ||
| Q3 24 | $252.5M | $321.2M | ||
| Q2 24 | $215.0M | $288.1M |
| Q1 26 | — | $1.3B | ||
| Q4 25 | $429.7M | $1.2B | ||
| Q3 25 | $434.4M | $1.2B | ||
| Q2 25 | $448.8M | $1.2B | ||
| Q1 25 | $439.6M | $1.2B | ||
| Q4 24 | $440.0M | $1.1B | ||
| Q3 24 | $456.2M | $1.1B | ||
| Q2 24 | $457.6M | $1.1B |
| Q1 26 | — | $10.2B | ||
| Q4 25 | $1.1B | $9.7B | ||
| Q3 25 | $1.2B | $9.8B | ||
| Q2 25 | $1.1B | $9.7B | ||
| Q1 25 | $1.2B | $9.8B | ||
| Q4 24 | $984.1M | $9.7B | ||
| Q3 24 | $1.0B | $10.0B | ||
| Q2 24 | $1.0B | $9.9B |
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 | $-12.4M | — |
| Free Cash FlowOCF − Capex | $-14.7M | — |
| FCF MarginFCF / Revenue | -8.0% | — |
| Capex IntensityCapex / Revenue | 1.2% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-12.4M | $158.9M | ||
| Q3 25 | $10.3M | $59.3M | ||
| Q2 25 | $13.7M | $20.6M | ||
| Q1 25 | $66.6M | $35.6M | ||
| Q4 24 | $-3.2M | $108.5M | ||
| Q3 24 | $21.1M | $39.6M | ||
| Q2 24 | $4.5M | $11.9M |
| Q1 26 | — | — | ||
| Q4 25 | $-14.7M | $151.1M | ||
| Q3 25 | $7.7M | $56.8M | ||
| Q2 25 | $10.9M | $19.6M | ||
| Q1 25 | $65.3M | $34.8M | ||
| Q4 24 | $-3.9M | $86.4M | ||
| Q3 24 | $20.2M | $32.2M | ||
| Q2 24 | $2.7M | $6.5M |
| Q1 26 | — | — | ||
| Q4 25 | -8.0% | 146.0% | ||
| Q3 25 | 3.8% | 51.7% | ||
| Q2 25 | 5.6% | 23.5% | ||
| Q1 25 | 35.7% | 37.0% | ||
| Q4 24 | -2.5% | 110.3% | ||
| Q3 24 | 11.8% | 35.5% | ||
| Q2 24 | 1.7% | 6.8% |
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 7.6% | ||
| Q3 25 | 1.3% | 2.3% | ||
| Q2 25 | 1.5% | 1.2% | ||
| Q1 25 | 0.7% | 0.8% | ||
| Q4 24 | 0.4% | 28.1% | ||
| Q3 24 | 0.6% | 8.1% | ||
| Q2 24 | 1.1% | 5.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 5.38× | ||
| Q3 25 | — | 6.88× | ||
| Q2 25 | — | 1.41× | ||
| Q1 25 | — | 1.59× | ||
| Q4 24 | — | 7.60× | ||
| Q3 24 | — | 2.13× | ||
| Q2 24 | — | 0.57× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACVA
| Auction Marketplace Revenue | $77.6M | 42% |
| Other Marketplace Revenue | $72.4M | 39% |
| Customer Assurance | $24.1M | 13% |
| Data Services Revenue | $9.4M | 5% |
OBK
| Net Interest Income | $87.2M | 84% |
| Noninterest Income | $16.8M | 16% |
