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Acnb vs Five Star Bancorp: ACNB and FSBC compared
Acnb is the larger company: $54.0M of revenue in its latest quarter (Q3 2026) against $52.6M for Five Star Bancorp (Q3 2026). Five Star Bancorp is growing faster (+27% against +6% a year earlier). Five Star Bancorp is more profitable, with an operating margin of 56.1% against 36.5%.
Where the money goes: ACNB and FSBC
Acnb (ACNB) · Q3 2026
Acnb, Q3 2026: revenue $54.0M (+6% year over year), operating margin 36.5%, net earnings $15.7M, operating cash flow $47.1M. The chart follows the revenue to costs, profit and cash.
Five Star Bancorp (FSBC) · Q3 2026
Five Star Bancorp, Q3 2026: revenue $52.6M (+27% year over year), operating margin 56.1%, net earnings $21.9M, operating cash flow $26.6M. The chart follows the revenue to costs, profit and cash.
| Acnb (ACNB) | Five Star Bancorp (FSBC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $54.0M | $52.6M |
| Revenue growth, Y/Y | +6% | +27% |
| Operating margin | 36.5% | 56.1% |
| Net earnings | $15.7M | $21.9M |
| Net margin | 29.1% | 41.6% |
| Operating cash flow | $47.1M | $26.6M |
| Free cash flow | $46.6M | $26.1M |
Where the revenue comes from
Five Star Bancorp
- Net interest income: $50.9M (97%)
- Noninterest income: $1.7M (3%)
Questions
Which is bigger, Acnb or Five Star Bancorp?
Acnb is the larger company: $54.0M of revenue in its latest quarter (Q3 2026) against $52.6M for Five Star Bancorp (Q3 2026).
Is Acnb or Five Star Bancorp growing faster?
Five Star Bancorp is growing faster (+27% against +6% a year earlier).
Which is more profitable, Acnb or Five Star Bancorp?
Five Star Bancorp is more profitable, with an operating margin of 56.1% against 36.5%.
More: Acnb earnings · how Acnb makes money · Five Star Bancorp earnings · how Five Star Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.