Acnb vs Peoples Financial Services
Acnb and Peoples Financial Services are similar in size: $192m and $188m of revenue in their latest fiscal years. Acnb grew faster (45.1% against 39.7%). Peoples Financial Services kept more of each dollar of sales as profit: a net margin of 31.5% against 19.3%.
| Latest fiscal year | AcnbACNB, 2025 | Peoples Financial ServicesPFIS, 2025 |
|---|---|---|
| Revenue | $192m | $188m |
| Revenue growth | 45.1% | 39.7% |
| Net income | $37.1m | $59.2m |
| Operating margin | — | — |
| Net margin | 19.3% | 31.5% |
| Return on equity | 10.2% | 12.0% |
| Free cash flow | $52.6m | $43.3m |
| Cash | $65.6m | $269m |
| Total debt | $320m | $32.7m |
| Debt to equity | — | — |
| Dividend per share | $1.38 | $2.47 |
| Dividend yield | 3.0% | 3.3% |
| Share buybacks | $11.2m | — |
| Employees | — | 547 |
| Market value | $676m | $731m |
| Price vs our value range | — | — |
| Moat score | 62 (Moderate) | 61 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |