ACNB Corporation (ACNB)

ACNB Corporation Cash Flow 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 Income	37.05	31.85	31.69	35.75	27.83
Depreciation & Amortization	6.74	3.03	3.36	3.8	3.44
Provision for Credit Losses	4.73	-2.76	0.84	-	0.05
Stock-Based Compensation	1.41	1.26	1	0.73	0.36
Net Change in Loans Held-for-Sale	-9.97	0.16	-0.1	2.56	12.23
Other Adjustments	8.18	0.14	6.02	1.21	-3.54
Changes in Accrued Interest and Accounts Receivable	0.16	-0.11	-1.17	-1.4	1.43
Changes in Accounts Payable	-0.78	0.76	0.74	-0.06	-1.33
Changes in Other Operating Activities	6.12	5.46	-1.79	-3.39	1.64
Operating Cash Flow	53.64	39.78	40.6	39.2	42.13
Operating Cash Flow Growth	34.84%	-2.02%	3.57%	-6.94%	65.40%
Net Change in Loans Held-for-Investment	-7.29	-55.21	-89.59	-71.83	168.01
Net Change in Securities and Investments	45.45	58.59	102.64	-239.6	-106.97
Payments for Business Acquisitions	36.21	-	-0.17	-7.8	-
Capital Expenditures	-1.08	-0.96	-1.17	-1.81	-1.58
Sale of Property, Plant & Equipment	-	-	-	1.09	0.21
Other Investing Activities	-8.64	-	3.73	-11.78	0.84
Investing Cash Flow	64.65	2.43	15.44	-331.72	60.52
Net Change in Deposits	-83.73	-69.31	-337.16	-227.41	240.86
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	48.91	-41.06	14.93	6.75	-3.26
Long-Term Debt Issued	-	60	175	1.5	15
Long-Term Debt Repaid	-40.19	-	-	-15.2	-34.05
Net Long-Term Debt Issued (Repaid)	-40.19	60	175	-13.7	-19.05
Issuance of Common Stock	0.64	0.42	0.72	0.71	0.06
Repurchase of Common Stock	-11.16	-0.25	-2.03	-6.68	-1.52
Net Common Stock Issued (Repurchased)	-10.52	0.18	-1.31	-5.97	-1.46
Common Dividends Paid	-14.38	-10.71	-9.7	-9.12	-8.97
Financing Cash Flow	-99.9	-60.91	-158.24	-249.45	208.13
Net Cash Flow	18.39	-18.7	-102.2	-541.97	310.78
Free Cash Flow	52.57	38.82	39.43	37.39	40.55
Free Cash Flow Growth	35.41%	-1.55%	5.47%	-7.79%	66.04%
FCF Margin	36.96%	34.09%	37.53%	35.53%	43.18%
Free Cash Flow Per Share	5.11	4.55	4.62	4.34	4.65
Levered Free Cash Flow	8.02	100.03	206.67	19.19	12.4
Unlevered Free Cash Flow	11.16	8.18	-0.02	-2.86	3.61

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

SEC Filings: 10-K · 10-Q