ACNB Corporation (ACNB)

NASDAQ: ACNB · Real-Time Price · USD

63.78

+0.89 (1.42%)

At close: Oct 2, 2026, 4:00 PM EDT

63.81

+0.03 (0.05%)

After-hours: Oct 2, 2026, 7:30 PM EDT

ACNB Corporation Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	160.98	146.68	111.1	105.92	105.23	93.97
Revenue Growth	30.83%	32.02%	4.89%	0.66%	11.98%	11.85%
Net Income	54.59	37.05	31.85	31.69	35.75	27.83
Earnings Per Share	5.27	3.60	3.73	3.71	4.15	3.19
EPS Growth	96.04%	-3.48%	0.54%	-10.52%	29.82%	50.00%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Banking	152.69	138.47	102.39	97.62	97.52	88.09
Other	-1.26	-0.98	-1.05	-1.02	-0.56	-
Insurance	9.73	9.49	9.76	9.32	8.27	5.93
Total	161.16	146.97	111.1	105.92	105.23	94.02

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	87.81	70.55	47.26	65.96	168.16	710.13
Total Debt	331.44	328.38	273.92	254.79	66.12	73.17
Net Cash (Debt)	-243.63	-257.84	-226.66	-188.83	102.05	636.96
Net Cash Growth	-	-	-	-	-83.98%	109.52%
Net Cash Per Share	-23.53	-25.06	-26.55	-22.12	11.83	73.09

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	60.27	53.64	39.78	40.6	39.2	42.13
Capital Expenditures	-1.45	-1.08	-0.96	-1.17	-1.81	-1.58
Free Cash Flow	58.82	52.57	38.82	39.43	37.39	40.55
Free Cash Flow Growth	81.32%	35.41%	-1.55%	5.47%	-7.79%	66.04%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	33.91%	25.26%	28.66%	29.92%	33.97%	29.62%
FCF Margin	36.54%	35.84%	34.94%	37.23%	35.53%	43.15%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 4, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.680	1.380	1.260	1.140	1.060	1.010
Dividend Per Share Growth	59.09%	9.52%	10.53%	7.55%	4.95%	1.00%
Dividend Yield	2.63%	2.94%	3.37%	2.80%	3.03%	3.79%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 4, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	12.10	13.55	10.69	12.02	9.48	9.77
Forward PE	11.24	9.56	10.39	11.83	-	-
P/FCF Ratio	11.03	9.55	8.77	9.66	9.06	6.71
PS Ratio	4.03	3.42	3.07	3.60	3.22	2.89