ACNB Corporation (ACNB)

ACNB Corporation Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	123.09	83.61	88.32	83.43	71.24
Net Interest Income Growth	47.22%	-5.33%	5.87%	17.10%	-2.50%
Non-Interest Income	28.61	24.73	18.45	21.81	22.78
Non-Interest Income Growth	15.68%	34.07%	-15.42%	-4.25%	13.37%
Revenues Before Loan Losses	151.7	108.34	106.77	105.23	94.02
Provision for Credit Losses	4.73	-2.76	0.84	-	0.05
Revenue	146.97	111.1	105.92	105.23	93.97
Revenue Growth (YoY)	32.28%	4.89%	0.66%	11.98%	11.85%
Compensation Expenses	52.78	42.93	40.93	35.98	36.82
Selling, General & Admin	20.91	16.49	15.4	15.53	15.13
Other Non-Interest Expenses	26.82	11.26	9.74	8.77	7.01
Total Non-Interest Expense	100.52	70.69	66.07	60.28	58.95
Pretax Income	46.45	40.42	39.85	44.95	35.02
Provision for Income Taxes	9.4	8.57	8.16	9.2	7.19
Net Income	37.05	31.85	31.69	35.75	27.83
Net Income to Common	37.05	31.85	31.69	35.75	27.83
Net Income Growth	16.34%	0.50%	-11.37%	28.45%	51.32%
Shares Outstanding (Basic)	10	9	9	9	9
Shares Outstanding (Diluted)	10	9	9	9	9
Shares Change (YoY)	20.54%	0.01%	-1.01%	-1.05%	0.88%
EPS (Basic)	3.61	3.75	3.72	4.15	3.19
EPS (Diluted)	3.60	3.73	3.71	4.15	3.19
EPS Growth	-3.48%	0.54%	-10.60%	30.09%	49.77%
Free Cash Flow	4.73	38.82	39.43	37.39	40.55
Free Cash Flow Growth	-87.82%	-1.55%	5.47%	-7.79%	66.04%
Free Cash Flow Per Share	0.46	4.55	4.62	4.34	4.65
Dividends Per Share	1.380	1.260	1.140	1.060	1.010
Dividend Growth	9.52%	10.53%	7.55%	4.95%	1.00%
Profit Margin	25.21%	27.97%	30.16%	33.97%	29.64%
FCF Margin	3.22%	34.09%	37.53%	35.53%	43.18%
EBITDA	0	3.03	3.36	3.8	3.44
EBITDA Margin	0.00%	2.66%	3.20%	3.61%	3.66%
Effective Tax Rate	20.24%	21.21%	20.48%	20.46%	20.52%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q