NASDAQ · Financial Statements

ACNB Corporation (ACNB) Financial Statements

$65.42 NASDAQ: ACNB Market Cap $665.32M

ACNB Corporation most recently reported annual revenue of $170.0M, net profit of $37.0M. Revenue grew at an average annual rate of 10.1% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

ACNB Corporation: Revenue rose from $53.0M in 2016 to $170.0M in 2025, a change of +220.8% over 9 years; net profit was positive in all 10 reported years; operating margin was broadly flat at about 27.3%; the most recent year shows net profit of $37.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$53.0M$66.0M$80.0M$88.0M$105.0M$101.0M$108.0M$115.0M$132.0M$170.0M
Operating Expenses$39.0M$50.0M$54.0M$58.0M$83.0M$66.0M$63.0M$75.0M$92.0M$124.0M
Operating Profit$15.0M$16.0M$27.0M$29.0M$23.0M$35.0M$45.0M$40.0M$40.0M$46.0M
Operating Margin27.5%24.9%33.2%33.5%21.5%34.7%41.5%34.7%30.6%27.3%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$4.0M$5.0M$7.0M$10.0M$12.0M$7.0M$4.0M$8.0M$24.0M$40.0M
Depreciation$2.0M$2.0M$3.0M$3.0M$4.0M$3.0M$4.0M$3.0M$3.0M$7.0M
Profit Before Tax$15.0M$16.0M$27.0M$29.0M$23.0M$35.0M$45.0M$40.0M$40.0M$46.0M
Tax$25.7M$40.4M$18.6M$19.2M$19.0M$20.5M$20.5M$20.5M$21.2M$20.2M
Net Profit$11.0M$10.0M$22.0M$24.0M$18.0M$28.0M$36.0M$32.0M$32.0M$37.0M
EPS$1.80$1.50$3.09$3.36$2.13$3.19$4.15$3.71$3.73$3.60
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$31.0M$26.0M$32.0M$33.0M$34.0M$33.0M$43.0M$50.0M$51.0M$46.0M$51.0M$53.0M
Operating Expenses$19.0M$22.0M$23.0M$19.0M$25.0M$25.0M$44.0M$35.0M$32.0M$33.0M$33.0M$33.0M
Operating Profit$12.0M$5.0M$9.0M$14.0M$9.0M$8.0M$-1.0M$15.0M$19.0M$13.0M$17.0M$19.0M
Operating Margin38.1%18.1%26.9%42.8%27.6%24.8%-1.3%29.7%37.2%28.6%34.2%36.7%
Interest$2.0M$4.0M$5.0M$6.0M$6.0M$6.0M$9.0M$11.0M$10.0M$10.0M$10.0M$10.0M
Profit Before Tax$12.0M$5.0M$9.0M$14.0M$9.0M$8.0M$-1.0M$15.0M$19.0M$13.0M$17.0M$19.0M
Tax$22.2M$13.7M$20.6M$20.8M$23.4M$19.9M$50.5M$21.9M$21.4M$18.0M$20.6M$21.0M
Net Profit$9.0M$4.0M$7.0M$11.0M$7.0M$7.0M$0$12.0M$15.0M$11.0M$14.0M$15.0M
EPS$1.06$0.48$0.80$1.32$0.84$0.77$-0.03$1.11$1.42$1.04$1.32$1.49

Over the 10 years reported for ACNB Corporation, borrowings increased from $109.0M in 2016 to $329.0M in 2025, cash stood at $21.0M in the latest year, shareholders' equity was $28.0M, current assets covered current liabilities 0.32 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$1.2B$1.6B$1.6B$1.7B$2.6B$2.8B$2.5B$2.4B$2.4B$3.2B
Current Assets$162.0M$193.0M$203.0M$305.0M$737.0M$1.1B$722.0M$518.0M$65.0M$21.0M
Cash$19.0M$34.0M$41.0M$114.0M$399.0M$710.0M$168.0M$66.0M$47.0M$21.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$0$0$0$0$0$0$0$0$0$0
Fixed Assets$18.0M$27.0M$26.0M$29.0M$36.0M$34.0M$30.0M$29.0M$28.0M$35.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$1.1B$1.4B$1.5B$1.5B$2.0B$1.9B$2.1B$2.1B$2.1B$2.9B
Other Assets$6.0M$20.0M$20.0M$20.0M$42.0M$42.0M$44.0M$44.0M$44.0M$64.0M
Total Liabilities$1.1B$1.4B$1.5B$1.5B$2.3B$2.5B$2.3B$2.1B$2.1B$2.8B
Current Liabilities$1.0B$1.3B$1.4B$1.4B$2.2B$2.5B$2.2B$1.9B$1.8B$65.0M
Borrowings$109.0M$132.0M$118.0M$104.0M$95.0M$73.0M$66.0M$255.0M$274.0M$329.0M
Other Liabilities$977.0M$1.3B$1.4B$1.4B$2.2B$2.4B$2.2B$1.9B$1.8B$2.5B
Equity$15.0M$18.0M$18.0M$18.0M$22.0M$22.0M$22.0M$22.0M$22.0M$28.0M
Reserves$120.0M$154.0M$168.0M$190.0M$258.0M$272.0M$245.0M$277.0M$303.0M$420.0M

For ACNB Corporation, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $53.0M; free cash flow was positive in 10 of 10 years; financing activities used $95.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$12.0M$17.0M$30.0M$26.0M$25.0M$42.0M$39.0M$41.0M$40.0M$54.0M
Investing Cash Flow$-62.0M$-54.0M$-55.0M$7.0M$-116.0M$59.0M$-334.0M$14.0M$1.0M$64.0M
Financing Cash Flow$55.0M$38.0M$50.0M$64.0M$399.0M$239.0M$-234.0M$-339.0M$-70.0M$-95.0M
Net Cash Flow$0$16.0M$6.0M$73.0M$285.0M$311.0M$-542.0M$-102.0M$-19.0M$18.0M
Free Cash Flow$10.0M$15.0M$28.0M$24.0M$24.0M$41.0M$37.0M$39.0M$39.0M$53.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.13
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y52.08%
Return 3Y106.58%
Return 5Y152.46%

ACNB Corporation (ACNB) financials — frequently asked questions

What is ACNB Corporation's annual revenue?

ACNB Corporation (ACNB) reported annual revenue of $170.0M in its most recent fiscal year.

What is ACNB Corporation's net profit?

ACNB Corporation (ACNB) reported net profit of $37.0M in its most recent fiscal year.

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