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ACNB Corporation

ACNB Financial Banks Regional

ACNB Corporation’s revenue for fiscal 2025 (year ended December 2025) was $191.8 million, up 45.1% from fiscal 2024.

Revenue
+6.05%
EPS
+8.39%
Free cash flow
−101.9%
Total debt
−15.8%

Quarter to September 2026, against a year earlier

65.55 0.06 +0.09%
Market cap
$666.0M
P/E
12.1×
Fwd P/E
11.3×
Dividend yield
1.80%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.00
Sold, $m 0.61
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — 1 — — — — — 1 — —
Sell 2 1 1 — — — — — 1 — — —
Insider Ownership 3.62%

Capital & Financial Ratios $m

Size
Market Cap 666.03
Revenue ttm 204.18
Net income ttm 55.45
Free cash flow ttm (1.51)
Net debt Q 126.57
Valuation
P/E 12.12
Forward P/E 11.30
Price / sales 3.25
Forward P/S Powerpack
Price / FCF 11.30
Price / book 1.58
Financial health
Current ratio Q 0.00
Debt / equity Q 0.51
Interest coverage Q —
Growth
Revenue growth Q +6.05% (above 0%: growing)
Operating income growth Q +4.06% (above 0%: growing)
EPS, this year +12.29%
EPS, next year A −0.27% (below 0%: weak)
Revenue, next year A −11.74% (below 0%: weak)
EPS, past 5 yrs +11.07%
EPS, next 5 yrs A +3.88%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 57.40%
10-year low 10-year high
P/S against its own 10 years 85.89%
10-year low 10-year high
P/B against its own 10 years 95.78%
10-year low 10-year high

Dividends raised every year since 2017

Yield
1.80%
Annual rate
1.18
Payout ratio
21.9%
Growth, 2017–25
+7.05%/yr
  1. 0.80 ’17
  2. 0.89 ’18 +11
  3. 0.98 ’19 +10
  4. 1.00 ’20 +2
  5. 1.01 ’21 +1
  6. 1.06 ’22 +5
  7. 1.14 ’23 +8
  8. 1.26 ’24 +11
  9. 1.38 ’25 +10
  10. 2.21 ’26e +60
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 66 47 66 88
Receivables — — — —
Inventory — — — —
Other — — — —
1,674 1,713 2,401 —
2023 2024 2025 Q'26
Payables 1,862 1,793 2,450 2,509
ST’ Debt — — — —
Other — — — —
1,919 1,808 2,515 2,625

Compound Annual Growth %

10y 5y 3y
Sales 13.97% 12.73% 20.79%
Cash Flow 14.07% 16.06% 11.02%
Earnings 12.89% 15.03% 1.20%
Book Value 13.86% 10.24% 19.67%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.48 Actual 1.55

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.26 1.35 Beat by 0.09
Q1 FY26 1.26 1.32 Beat by 0.06
Q2 FY26 1.40 1.49 Beat by 0.09
Q3 FY26 1.48 1.55 Beat by 0.07
Q4 FY26 1.46 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.32 1.49 1.55 — —
’25 (0.03) 1.11 1.42 1.04 3.60
’24 0.80 1.32 0.84 0.77 3.73
’23 1.06 1.12 1.06 0.48 3.71
’22 0.76 0.99 1.20 1.20 4.15
’21 0.86 0.98 0.84 0.52 3.19
’20 (0.14) 0.67 0.79 0.81 2.13
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 51 53 54 — —
’25 43 50 51 47 192
’24 32 33 34 33 132
’23 29 29 31 26 115
’22 23 27 29 30 109
’21 25 27 25 24 101
’20 25 26 26 27 105
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 24 (3) — — —
’25 (1) 16 27 13 54
’24 11 10 14 6 40
’23 15 10 8 9 41
’22 7 9 13 10 39
’21 9 16 9 8 42
’20 8 8 2 7 25
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 24 (4) 0 — —
’25 (2) 16 26 13 53
’24 11 9 13 5 39
’23 15 10 7 8 39
’22 8 9 13 9 38
’21 9 16 9 7 41
’20 8 8 2 8 26
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 54 66 80 88 105 101 109 115 132 192 204 +15.2% 169 174 177 (2.6%)
Gross margin, % 92.68 91.76 90.80 88.44 88.40 93.15 96.67 92.77 81.96 79.08 80.61 (13.6) pt
EBT 15 16 27 29 23 35 45 40 40 46 69 +13.7%
EBT margin, % 27.25 24.91 33.22 33.47 21.54 34.69 41.29 34.63 30.58 24.22 33.98 (3.0) pt
Net income 11 10 22 24 18 28 36 32 32 37 55 +14.6%
Per share, $
Per share, $ Revenue 8.88 10.08 11.43 12.42 12.20 11.58 12.62 13.53 15.55 18.70 20.16 +8.6%
Earnings 1.80 1.50 3.09 3.36 2.13 3.19 4.15 3.72 3.75 3.61 5.41 +8.0%
Cash flow 2.00 2.60 4.20 3.64 2.95 4.83 4.55 4.77 4.68 5.23 0.00 +11.2%
Capex 0.10 (0.22) (0.16) (0.16) 0.04 (0.13) (0.08) (0.14) (0.11) (0.10) (0.15) n/m
Free cash flow 2.11 2.38 4.04 3.49 2.99 4.70 4.46 4.63 4.57 5.12 (0.15) +10.4%
Book value 19.84 23.53 23.90 26.84 29.86 31.22 28.42 32.61 35.66 40.94 41.52 +8.4%
Shares, m 6 7 7 7 9 9 9 9 9 10 10 +6.0%
Valuation, ×
Valuation, × P/E 17.47 19.70 12.70 11.26 11.74 9.78 9.28 12.48 10.62 13.62 12.12 12.9
P/S 3.54 2.95 3.43 3.04 2.05 2.70 3.05 3.43 2.56 2.59 3.25 2.9
P/B 1.59 1.26 1.64 1.41 0.84 1.00 1.36 1.42 1.12 1.18 1.58 1.3
EV/Sales 4.57 3.87 3.96 2.50 (1.23) (3.99) 1.70 4.56 4.14 3.58 — 2.4
EV/FCF 19.26 16.36 11.22 8.90 (5.02) (9.84) 4.81 13.30 14.08 13.05 — 8.6
Cash, $m
Cash, $m Operating cash flow 12 17 30 26 25 42 39 41 40 54 60 +18.0%
Capex 1 (1) (1) (1) 0 (1) (1) (1) (1) (1) (2) n/m
Free cash flow 13 16 28 25 26 41 38 39 39 53 (2) +17.0%
Balance, $m
Balance, $m Working capital (88) (69) (53) (70) (196) (300) (552) (244) (95) (114) (2,625) +3.0%
Net debt 55 60 43 (48) (346) (675) (147) 129 208 190 127 +14.7%
Shareholders’ equity 120 154 168 190 258 272 245 277 303 420 420 +14.9%
Returns, %
Returns, % ROA 0.92 0.70 1.34 1.41 0.86 1.04 1.35 1.28 1.32 1.32 1.69 +0.4 pt
ROIC 5.22 4.79 7.92 12.97 0.00 0.00 28.70 6.12 4.94 4.76 7.93 (0.5) pt
ROE 9.26 7.14 13.50 13.26 8.22 10.50 13.83 12.13 10.97 10.25 13.38 +1.0 pt
People
People Employees 303 358 361 374 396 397 397 413 416 537 — +6.6%
Revenue/emp, $m 0.18 0.18 0.22 0.23 0.27 0.25 0.27 0.28 0.32 0.36 — +8.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

ACNB Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.8× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
BCAL California BanCorp $690.8M 12.0× 12.2× −2.76% (below 0%: shrinking) −8.33% (below 0%: shrinking) +6.82% (above 0%: growing) 79.11% 0.00% Compare
RRBI Red River Bancshares, Inc. $687.9M 14.2× 14.2× +5.90% (above 0%: growing) +17.18% (above 0%: growing) +2.49% (above 0%: growing) 76.13% 0.00% Compare
ACNB ACNB Corporation $666.0M 12.1× 11.3× +6.05% (above 0%: growing) +8.39% (above 0%: growing) −101.87% (below 0%: shrinking) 81.15% 0.00%
CCB Coastal Financial Corporation $661.2M — (loss-making) 1,443× +37.72% (above 0%: growing) 0.00% −104.10% (below 0%: shrinking) 85.92% 0.00% Compare
HIFS Hingham Institution for Savings $659.4M 9.7× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
MSBI Midland States Bancorp, Inc. $657.4M 13.2× 9.6× −1.90% (below 0%: shrinking) +349.79% (above 0%: growing) −51.81% (below 0%: shrinking) 73.94% 0.00% Compare
WCCB West Coast Community Bancorp $656.7M 12.2× 11.3× +4.43% (above 0%: growing) −4.88% (below 0%: shrinking) — 100.00% 0.00% Compare
TCBX Third Coast Bancshares, Inc. $653.2M 8.4× 10.3× +17.59% (above 0%: growing) −6.48% (below 0%: shrinking) −64.01% (below 0%: shrinking) 58.27% 0.00% Compare
Median of peers $660.3M 12.2× 11.3× +11.75% +8.59% −29.97% 75.04% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.83m 1.85m 224.80
2024 1.62m 1.63m 180.27
2023 1.57m 1.67m 196.62
2022 970.67k 1.02m 169.79
2021 695.58k 730.48k 129.52

Ownership

Directors and executive officers, together 3.73%
BlackRock, Inc. 5.87%
FMR LLC 5.74%
The Vanguard Group 5.25%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

ACNB Corporation (ACNB) Latest News

29 Oct

Impact 3 · · Zacks

28 Oct

Impact 3 · · GlobeNewswire
Impact 3 ·

22 Oct

Impact 3 · · Zacks
Impact 3 · · Associated Press

16 Oct

Impact 3 · · Zacks

30 Sep

Impact 3 · · Zacks

21 Sep

Impact 3 ·

23 Jul

Impact 4 ·
Impact 3 ·

29 Apr

Impact 4 ·

23 Apr

Impact 4 · · Zacks
Impact 3 · · GlobeNewswire

9 Feb

Impact 4 · · Zacks

2 Feb

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

30 Jan

Impact 3 · · Zacks

29 Jan

Impact 3 ·

23 Jan

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22 Jan

Impact 4 ·
Impact 3 · · Associated Press Finance

18 Jan

Impact 3 · · Simply Wall St.

8 Jan

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18 Dec

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12 Dec

Impact 3 · · Zacks

9 Dec

Impact 3 · · MarketBeat

8 Dec

Impact 3 · · ZacksMotley FoolGOBankingRates24/7 Wall St.24/7 Wall St.

2 Dec

Impact 3 · · Zacks

4 Nov

Impact 3 · · Zacks

31 Oct

Impact 4 · · Zacks
stockrow.com/ACNB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com