NASDAQ : ACNB
ACNB Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 65.4 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 664.75M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 151.64M | 143.76M | 91.78M | 80.84M | 70.25M | 71.19M |
| Interest Income on Investments | 22.08M | 19.45M | 15.69M | 15.80M | 16.80M | 6.97M |
| Total Interest Income | 173.72M | 163.21M | 107.47M | 96.64M | 87.05M | 78.16M |
| Interest Paid on Deposits | 26.21M | 26.70M | 11.19M | 3.69M | 2.56M | 5.01M |
| Interest Paid on Borrowings | 13.37M | 13.42M | 12.66M | 4.62M | 1.06M | 1.90M |
| Total Interest Expense | 39.58M | 40.12M | 23.85M | 8.32M | 3.62M | 6.92M |
| Net Interest Income | 134.14M | 123.09M | 83.61M | 88.32M | 83.42M | 71.24M |
| Trust Income | 4.80M | 4.47M | 4.23M | 3.64M | 3.16M | 3.17M |
| Gain (Loss) on Sale of Assets | 177.00K | 337.00K | ||||
| Gain (Loss) on Sale of Investments | -3.55M | -3.50M | 60.00K | -5.22M | -111.00K | 439.00K |
| Other Non-Interest Income | 18.04M | 17.25M | 16.00M | 15.67M | 14.21M | 12.27M |
| Total Non-Interest Income | 29.59M | 28.32M | 24.73M | 18.45M | 21.81M | 22.78M |
| Revenues Before Loan Losses | 163.74M | 151.41M | 108.34M | 106.77M | 105.23M | 94.02M |
| Provision for Loan Losses | 1.81M | 4.73M | -2.76M | 844.00K | 50.00K | |
| Revenue | 161.92M | 146.68M | 111.10M | 105.92M | 105.23M | 93.97M |
| Salaries and Employee Benefits | 53.47M | 51.37M | 41.67M | 39.93M | 35.25M | 36.45M |
| Occupancy Expenses | 14.00K | 3.15M | ||||
| Federal Deposit Insurance | 1.80M | 1.75M | 1.43M | 1.39M | 1.13M | 960.00K |
| Amortization of Goodwill & Intangibles | 4.23M | 4.26M | 1.24M | 1.42M | 1.49M | 1.16M |
| Selling, General & Administrative | 19.38M | 18.73M | 14.89M | 13.75M | 13.50M | 9.81M |
| Other Non-Interest Expense | 13.95M | 13.70M | 9.42M | 9.59M | 8.91M | 7.41M |
| Total Non-Interest Expense | 92.84M | 89.80M | 68.64M | 66.07M | 60.28M | 58.95M |
| EBT Excluding Unusual Items | 69.09M | 56.89M | 42.46M | 39.85M | 44.95M | 35.02M |
| Pretax Income | 69.37M | 46.45M | 40.42M | 39.85M | 44.95M | 35.02M |
| Income Tax Expense | 13.92M | 9.40M | 8.57M | 8.16M | 9.20M | 7.18M |
| Net Income | 55.45M | 37.05M | 31.85M | 31.69M | 35.75M | 27.83M |
| Net Income to Common | 55.45M | 37.05M | 31.85M | 31.69M | 35.75M | 27.83M |
| Basic Shares Outstanding | 10.25M | 10.26M | 8.50M | 8.51M | 8.62M | 8.71M |
| Diluted Shares Outstanding | 10.28M | 10.29M | 8.54M | 8.54M | 8.62M | 8.71M |
| EPS (Basic) | 5.41 | 3.61 | 3.75 | 3.72 | 4.15 | 3.19 |
| EPS (Diluted) | 5.39 | 3.60 | 3.73 | 3.71 | 4.15 | 3.19 |
| Dividend Per Share | 1.60 | 1.38 | 1.26 | 1.14 | 1.06 | 1.01 |
| Effective Tax Rate | 20.07% | 20.24% | 21.21% | 20.48% | 20.46% | 20.52% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 88.36M | 65.39M | 47.26M | 65.96M | 168.16M | 710.13M |
| Investment Securities | 514.82M | 160.87M | 223.63M | 250.55M | 322.38M | 307.46M |
| Trading Asset Securities | 5.16M | |||||
| Mortgage-Backed Securities | 371.01M | 236.72M | 267.67M | 299.00M | 139.95M | |
| Total Investments | 514.82M | 537.04M | 460.35M | 518.22M | 621.38M | 447.42M |
| Gross Loans | 2.41B | 2.33B | 1.68B | 1.63B | 1.54B | 1.47B |
| Allowance for Loan Losses | -24.98M | -23.67M | -17.28M | -19.97M | -17.86M | -19.03M |
| Other Adjustments to Gross Loans | -1.96M | -1.24M | -1.71M | -3.65M | ||
| Net Loans | 2.38B | 2.31B | 1.67B | 1.61B | 1.52B | 1.45B |
| Property, Plant & Equipment | 31.58M | 34.80M | 28.12M | 28.90M | 30.21M | 34.25M |
| Goodwill | 64.45M | 64.45M | 44.19M | 44.19M | 44.19M | 42.11M |
| Other Intangible Assets | 19.34M | 22.43M | 7.84M | 9.08M | 10.33M | 6.10M |
| Loans Held for Sale | 8.17M | 28.17M | 426.00K | 280.00K | 123.00K | 2.19M |
| Restricted Cash | 260.00K | |||||
| Other Current Assets | 2.35M | 275.00K | 3.39M | 1.09M | ||
| Long-Term Deferred Tax Assets | 9.18M | 13.96M | 15.79M | 18.16M | 4.51M | |
| Other Real Estate Owned & Foreclosed | 19.00K | 438.00K | 467.00K | 474.00K | ||
| Other Long-Term Assets | 190.38M | 159.26M | 126.63M | 127.95M | 108.33M | 89.79M |
| Total Assets | 3.30B | 3.23B | 2.39B | 2.42B | 2.53B | 2.79B |
| Interest Bearing Deposits | 1.90B | 1.81B | 1.34B | 1.36B | 1.60B | 1.70B |
| Institutional Deposits | 87.98M | 107.20M | ||||
| Non-Interest Bearing Deposits | 612.62M | 553.86M | 451.50M | 500.33M | 595.05M | 623.36M |
| Total Deposits | 2.51B | 2.45B | 1.79B | 1.86B | 2.20B | 2.43B |
| Short-Term Borrowings | 116.51M | 68.56M | 15.83M | 56.88M | 41.95M | 35.20M |
| Current Portion of Long-Term Debt | 80.00M | 11.00M | ||||
| Current Portion of Leases | 1.05M | |||||
| Long-Term Debt | 214.93M | 15.00M | 15.00M | 15.00M | 15.00M | 17.70M |
| Federal Home Loan Bank Debt, Long-Term | 155.00M | 235.00M | 175.00M | |||
| Long-Term Leases | 3.94M | 3.40M | 2.76M | 2.62M | 3.16M | 3.27M |
| Trust Preferred Securities | 5.38M | 5.33M | 5.29M | 6.00M | 6.00M | |
| Pension & Post-Retirement Benefits | 6.50M | 5.10M | 4.50M | 4.10M | 3.77M | |
| Other Long-Term Liabilities | 36.16M | 23.08M | 20.03M | 20.28M | 11.27M | 11.54M |
| Total Liabilities | 2.88B | 2.81B | 2.09B | 2.14B | 2.28B | 2.51B |
| Common Stock | 27.71M | 27.56M | 22.36M | 22.23M | 22.09M | 21.98M |
| Additional Paid-In Capital | 181.87M | 179.66M | 99.16M | 97.60M | 96.02M | 94.69M |
| Retained Earnings | 284.44M | 257.29M | 234.62M | 213.49M | 193.87M | 167.24M |
| Treasury Stock | -35.86M | -22.37M | -11.20M | -10.95M | -8.93M | -2.25M |
| Comprehensive Income & Other | -37.68M | -22.17M | -41.67M | -44.91M | -58.01M | -9.54M |
| Shareholders' Equity | 420.48M | 419.97M | 303.27M | 277.46M | 245.04M | 272.11M |
| Total Liabilities & Equity | 3.30B | 3.23B | 2.39B | 2.42B | 2.53B | 2.79B |
| Total Debt | 335.38M | 328.38M | 273.92M | 254.79M | 66.12M | 73.17M |
| Net Cash (Debt) | -247.02M | -257.84M | -226.66M | -188.83M | 102.05M | 636.96M |
| Net Cash Per Share | -24.02 | -25.06 | -26.55 | -22.12 | 11.83 | 73.09 |
| Filing Date Shares Outstanding | 10.16M | 10.35M | 10.54M | 8.51M | 8.51M | 8.68M |
| Total Common Shares Outstanding | 10.16M | 10.37M | 8.55M | 8.51M | 8.52M | 8.68M |
| Book Value Per Share | 41.37 | 40.49 | 35.45 | 32.60 | 28.78 | 31.35 |
| Tangible Book Value | 336.69M | 333.09M | 251.25M | 224.19M | 190.53M | 223.91M |
| Tangible Book Value Per Share | 33.12 | 32.11 | 29.37 | 26.34 | 22.37 | 25.80 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 37.05M | 31.85M | 31.69M | 35.75M | 27.83M | |
| Depreciation & Amortization | 6.74M | 3.03M | 3.36M | 3.80M | 3.44M | |
| Gain (Loss) on Sale of Assets | -337.00K | 41.00K | -62.00K | |||
| Gain (Loss) on Sale of Investments | 4.70M | 1.64M | 5.91M | 2.27M | 1.19M | |
| Provision for Credit Losses | 4.73M | -2.76M | 844.00K | 50.00K | ||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -9.97M | 155.00K | -101.00K | 2.56M | 12.23M | |
| Accrued Interest Receivable | 155.00K | -109.00K | -1.17M | -1.40M | 1.43M | |
| Change in Other Net Operating Assets | 6.12M | 5.46M | -1.79M | -3.39M | 1.64M | |
| Other Operating Activities | 5.13M | -1.98M | -1.88M | -1.53M | -1.51M | |
| Operating Cash Flow | 53.64M | 39.78M | 40.60M | 39.20M | 42.13M | |
| Capital Expenditures | -1.08M | -960.00K | -1.17M | -1.81M | -1.58M | |
| Sale of Property, Plant and Equipment | 1.09M | 213.00K | ||||
| Cash Acquisitions | 36.21M | |||||
| Investment in Securities | 45.51M | 59.77M | 110.69M | -239.85M | -107.61M | |
| Purchase / Sale of Intangibles | -174.00K | -7.80M | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -7.29M | -55.21M | -89.59M | -71.83M | 168.01M | |
| Other Investing Activities | -8.70M | -1.18M | -4.32M | -11.53M | 1.48M | |
| Investing Cash Flow | 64.65M | 2.43M | 15.44M | -331.72M | 60.52M | |
| Short-Term Debt Issued | 48.91M | 14.93M | 6.75M | |||
| Long-Term Debt Issued | 60.00M | 175.00M | 1.50M | 15.00M | ||
| Total Debt Issued | 48.91M | 60.00M | 189.93M | 8.25M | 15.00M | |
| Short-Term Debt Repaid | -41.06M | -3.26M | ||||
| Long-Term Debt Repaid | -40.19M | -15.20M | -34.05M | |||
| Total Debt Repaid | -40.19M | -41.06M | -15.20M | -37.31M | ||
| Net Debt Issued (Repaid) | 8.73M | 18.94M | 189.93M | -6.95M | -22.31M | |
| Issuance of Common Stock | 642.00K | 424.00K | 721.00K | 713.00K | 60.00K | |
| Repurchase of Common Stock | -11.16M | -249.00K | -2.03M | -6.68M | -1.52M | |
| Common Dividends Paid | -14.38M | -10.71M | -9.70M | -9.12M | -8.79M | |
| Net Increase (Decrease) in Deposit Accounts | -83.73M | -69.31M | -337.16M | -227.41M | 240.86M | |
| Financing Cash Flow | -99.90M | -60.91M | -158.24M | -249.45M | 208.13M | |
| Net Cash Flow | 18.39M | -18.70M | -102.20M | -541.97M | 310.78M | |
| Free Cash Flow | 52.57M | 38.82M | 39.43M | 37.39M | 40.55M | |
| Free Cash Flow Margin | 35.84% | 34.94% | 37.23% | 35.53% | 43.15% | |
| Free Cash Flow Per Share | 5.11 | 4.55 | 4.62 | 4.34 | 4.65 | |
| Cash Interest Paid | 39.49M | 23.10M | 7.16M | 3.68M | 8.24M | |
| Cash Income Tax Paid | 5.33M | 6.63M | 10.03M | 7.22M | 7.40M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 682.23M | 502.11M | 340.49M | 380.81M | 338.80M | 271.98M |
| Last Close Price | 67.12 | 46.88 | 37.43 | 40.69 | 35.02 | 26.68 |
| PE Ratio | 12.44 | 13.55 | 10.69 | 12.02 | 9.48 | 9.77 |
| PS Ratio | 4.21 | 3.42 | 3.06 | 3.60 | 3.22 | 2.89 |
| PB Ratio | 1.62 | 1.20 | 1.12 | 1.37 | 1.38 | 1.00 |
| P/FCF Ratio | 11.60 | 9.55 | 8.77 | 9.66 | 9.06 | 6.71 |
| P/OCF Ratio | 11.32 | 9.36 | 8.56 | 9.38 | 8.64 | 6.46 |
| Debt / Equity Ratio | 0.80 | 0.78 | 0.90 | 0.92 | 0.27 | 0.27 |
| Debt / FCF Ratio | 6.25 | 7.06 | 6.46 | 1.77 | 1.80 | |
| Net Debt / Equity Ratio | 0.59 | 0.61 | 0.75 | 0.68 | -0.42 | -2.34 |
| Net Debt / FCF Ratio | 4.91 | 5.84 | 4.79 | -2.73 | -15.71 | |
| Return on Equity (ROE) | 13.38% | 10.25% | 10.97% | 12.13% | 13.83% | 10.50% |
| Return on Assets (ROA) | 1.69% | 1.32% | 1.32% | 1.28% | 1.35% | 1.04% |
| Earnings Yield | 8.04% | 7.38% | 9.35% | 8.32% | 10.55% | 10.23% |
| FCF Yield | 8.62% | 10.47% | 11.40% | 10.36% | 11.04% | 14.91% |
| Dividend Yield | 2.50% | 2.85% | 3.16% | 2.55% | 2.66% | 3.22% |
| Payout Ratio | 54.32% | 38.82% | 33.64% | 30.62% | 25.50% | 31.59% |
| Buyback Yield / Dilution | -4.61% | -20.54% | -0.01% | 1.01% | 1.05% | -0.88% |
| Total Shareholder Return | -2.10% | -17.69% | 3.16% | 3.56% | 3.72% | 2.34% |