COMP <GO>
ACNB vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
ACNB Corporation (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: ACNB 6
— MS 3
■ METRIC PARITY
LAST: $65.59 (+0.72%) • MKT CAP: $667.0M
balance-sheet
—
LAST: $190.00 (-0.07%) • MKT CAP: $298.41B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ACNB VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ACNB | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.80% | 3.00% | +5.80 | ACNB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.88% | -7.25% | +15.13 | ACNB | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 19.30% | 20.20% | -0.90 | MS | /net-margins <GO> |
| Revenue Growth (YoY) | 45.10% | 5.50% | +39.60 | ACNB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.16% | 2.21% | -0.05 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | ACNB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.0 | 51.0 | +10.01 | ACNB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.1x | 16.5x | -1.40 | ACNB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $667.0M | $298.41B | -$297.74B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ACNB REV | MS REV | ACNB GROSS % | MS GROSS % | ACNB FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $191.8M | $0 | — | — | $52.6M | -$17.89B |
| FY 2024 | $132.2M | $0 | — | — | $38.8M | $1.36B |
| FY 2023 | $115.1M | $0 | — | — | $40.6M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ACNB // BETA —
MS // BETA 1.04