COMP <GO>
ACNB vs V // ALTMAN Z-SCORE & DEBT/EQUITY
ACNB Corporation (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: ACNB 4
— V 5
■ METRIC PARITY
LAST: $67.12 (+2.63%) • MKT CAP: $665.1M
balance-sheet
—
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
balance-sheet
9.09
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ACNB VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ACNB | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.80% | 32.30% | -23.50 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.88% | 2.90% | +4.98 | ACNB | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 19.30% | 50.10% | -30.80 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 45.10% | 11.30% | +33.80 | ACNB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.16% | 0.63% | +1.53 | ACNB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 9/9 | -3.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.2 | 67.7 | -7.50 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.1x | 34.0x | -18.90 | ACNB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $665.1M | $738.98B | -$738.32B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ACNB REV | V REV | ACNB GROSS % | V GROSS % | ACNB FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $191.8M | $40.00B | — | — | $52.6M | $21.26B |
| FY 2024 | $132.2M | $35.93B | — | — | $38.8M | $18.33B |
| FY 2023 | $115.1M | $32.65B | — | — | $40.6M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ACNB // BETA —
V // BETA 1.06