ACNB · Acnb Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $50.51M | - | $34.07M | $33.30M | $31.64M | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.67M | - | $1.76M | $758.0K | $766.0K | - | - | - | - | - |
| Operating Income | $17.26M | - | $18.92M | $14.91M | ($549.0K) | - | $9.41M | $14.25M | $8.53M | - |
| Interest Expense | $9.72M | - | $10.35M | $10.56M | $9.20M | - | $6.30M | $5.91M | $5.38M | - |
| Income Tax | - | - | - | - | - | - | - | - | - | - |
| Net Income | $13.70M | - | $14.87M | $11.65M | ($272.0K) | - | $7.20M | $11.28M | $6.77M | - |
| EPS - Basic | $1.32 | - | $1.43 | $1.11 | ($0.03) | - | $0.85 | $1.32 | $0.80 | - |
| EPS - Diluted | $1.32 | - | $1.42 | $1.11 | ($0.03) | - | $0.84 | $1.32 | $0.80 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $93.64M | $65.65M | $102.14M | $103.11M | $123.56M | $47.26M | $58.09M | $86.27M | $53.13M | $65.96M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $3.27B | $3.23B | $3.25B | $3.26B | $3.27B | $2.39B | $2.42B | $2.46B | $2.41B | $2.42B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $215.39M | $255.38M | $255.37M | $255.35M | $255.34M | $255.33M | $255.32M | $255.31M | $255.30M | $195.29M |
| Total Liabilities | $2.84B | $2.81B | $2.84B | $2.86B | $2.88B | $2.09B | $2.11B | $2.17B | $2.13B | $2.14B |
| Stockholders' Equity | $425.48M | $419.97M | $408.64M | $395.15M | $386.88M | $303.27M | $306.75M | $289.33M | $279.92M | $277.46M |
| Retained Earnings | $267.07M | $257.29M | $250.41M | $239.08M | $230.98M | $234.62M | $230.75M | $226.27M | $217.71M | $213.49M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $24.32M | - | - | - | ($71.0K) | - | - | - | $10.82M | - |
| Investing Cash Flow | ($23.25M) | - | - | - | $88.93M | - | - | - | ($14.54M) | - |
| Financing Cash Flow | $26.91M | - | - | - | ($12.55M) | - | - | - | ($9.10M) | - |
| CapEx | $334.0K | - | - | - | $659.0K | - | - | - | $78.0K | - |
| Free Cash Flow | $23.99M | - | - | - | ($730.0K) | - | - | - | $10.74M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 34.2% | - | 55.5% | 44.8% | -1.7% | - | - | - | - | - |
| EBITDA margin | 37.5% | - | 60.7% | 47.1% | 0.7% | - | - | - | - | - |
| Net margin | 27.1% | - | 43.6% | 35.0% | -0.9% | - | - | - | - | - |
| Free cash flow margin | 47.5% | - | - | - | -2.3% | - | - | - | - | - |
| FCF / Net income | 1.75 | - | - | - | 2.68 | - | - | - | 1.59 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | - | - | - | - | - | - | - | - | - | - |
| Return on assets | 0.4% | - | 0.5% | 0.4% | -0.0% | - | 0.3% | 0.5% | 0.3% | - |
| Return on equity | 3.2% | - | 3.6% | 2.9% | -0.1% | - | 2.3% | 3.9% | 2.4% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.51 | 0.61 | 0.62 | 0.65 | 0.66 | 0.84 | 0.83 | 0.88 | 0.91 | 0.70 |
| Debt / Assets | 0.07 | 0.08 | 0.08 | 0.08 | 0.08 | 0.11 | 0.11 | 0.10 | 0.11 | 0.08 |
| Debt / EBITDA | 11.38 | - | 12.35 | 16.30 | 1176.70 | - | - | - | - | - |
| Interest coverage | 1.8x | - | 1.8x | 1.4x | -0.1x | - | 1.5x | 2.4x | 1.6x | - |
| Equity multiplier | 7.69 | 7.69 | 7.96 | 8.25 | 8.45 | 7.90 | 7.89 | 8.49 | 8.62 | 8.72 |
| Liabilities / Assets | 0.87 | 0.87 | 0.87 | 0.88 | 0.88 | 0.87 | 0.87 | 0.88 | 0.88 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | 0.02 | - | 0.01 | 0.01 | 0.01 | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 36.3x | - | 31.0x | 38.6x | - | - | 52.0x | 27.5x | 47.0x | - |
| P / B | 1.2x | - | 1.1x | 1.1x | 1.0x | - | 1.2x | 1.1x | 1.1x | - |
| P / S | 9.8x | - | 13.5x | 13.5x | 12.8x | - | - | - | - | - |
| EV / EBITDA | 32.6x | - | 29.7x | 38.4x | 2470.6x | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 59.6% | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | 101.0% | 4.6% | - | - | -19.1% | 18.2% | -25.3% | - |
| Net income growth (YoY) | - | - | 106.4% | 3.3% | - | - | -20.3% | 18.4% | -25.0% | - |
| EPS growth (YoY) | - | - | 69.0% | -15.9% | - | - | -30.0% | 33.3% | 5.3% | - |
| EPS CAGR (3y) | 20.2% | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | -27.7% | - |
| FCF CAGR (5y) | 21.8% | - | - | - | - | - | - | - | 10.0% | - |
| Book value growth (YoY) | 10.0% | 38.5% | 33.2% | 36.6% | 38.2% | 9.3% | 20.0% | 12.5% | 9.4% | 13.2% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$18.14M totalMortgage Banking$5.27M · 29.0%
Deposit Account$4.84M · 26.7%
Fiduciary And Trust$4.47M · 24.7%
ATMService Chargesand Debit Card Transactions$3.56M · 19.6%
Peer comparison
Same SIC group: State Commercial Banks
Comparing ACNB CORP against the 5 most active filers in the same SIC group.
Dividends
$2.02/share trailing 12 months · +55.4% YoY
| Ex-date | Per share |
|---|---|
| Jun 1, 2026 | $0.9200 |
| Feb 27, 2026 | $0.3800 |
| Dec 1, 2025 | $0.3800 |
| Aug 29, 2025 | $0.3400 |
| May 30, 2025 | $0.3400 |
| Feb 28, 2025 | $0.3200 |
| Nov 29, 2024 | $0.3200 |
| Aug 30, 2024 | $0.3200 |
| May 31, 2024 | $0.3200 |
| Feb 29, 2024 | $0.3000 |
| Nov 30, 2023 | $0.3000 |
| Aug 31, 2023 | $0.2800 |
| May 31, 2023 | $0.2800 |
| Feb 28, 2023 | $0.2800 |
| Nov 30, 2022 | $0.2800 |
| Aug 31, 2022 | $0.2600 |
| May 31, 2022 | $0.2600 |
| Feb 28, 2022 | $0.2600 |
| Nov 30, 2021 | $0.2600 |
| Aug 30, 2021 | $0.2500 |
| May 28, 2021 | $0.2700 |
| Feb 26, 2021 | $0.2500 |
| Nov 30, 2020 | $0.2500 |
| Aug 28, 2020 | $0.2500 |