Saturday 17 October 2026 Export ACNB’s income statement to Excel — free account

ACNB Corporation

ACNB Corporation’s revenue for fiscal 2025 (year ended December 2025) was $191.8 million, up 45.1% from fiscal 2024. In the quarter to June 2026, revenue grew 4.47%, EPS grew 35.1%, free cash flow fell 125.1% and total debt fell 15.8%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.

63.24 0.06 +0.09%

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Market cap: $642.5M
P/E: 12.0×
Fwd P/E: 10.1×
Dividend yield: 1.87%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.02

Total sells 0.61

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	1	—	—	1	—	—	—	—	—	1	—
Sell	—	2	1	1	—	—	—	—	—	1	—	—

Insider Ownership 4.04%

Capital & Financial Ratios $m

Market Cap 642.53

Revenue 201.10

Net Income 54.59

Free Cash Flow 58.82

Net Debt 133.05

Current Ratio 0.94

Debt/Equity 0.51

P/E ratio 11.95

Fwd P/E 10.10

P/S ratio 3.20

P/B ratio 1.52

Past 5Y EPS Growth 11.07%

This Y EPS Growth 11.17%

Next Y EPS Growth 0.56%

Next Y revenue growth (11.69%)

Next 5Y EPS Growth 11.52%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 55.07%

10-year low 10-year high

P/S against its own 10 years 80.94%

10-year low 10-year high

P/B against its own 10 years 88.50%

10-year low 10-year high

Dividends

Payout Ratio 0.22

Annual Dividend Rate 1.18

Annual Dividend Yield 1.87%

	total	individual payouts
2027	Powerpack
2026	2.14	0.38 0.50 0.42
2025	1.38	0.32 0.34 0.34 0.38
2024	1.26	0.30 0.32 0.32 0.32
2023	1.14	0.28 0.28 0.28 0.30
2022	1.06	0.26 0.26 0.26 0.28
2021	1.01	0.25 0.25 0.25 0.26
2020	1.00	0.25 0.25 0.25 0.25
2019	0.98	0.23 0.25 0.25 0.25
2018	0.89	0.20 0.23 0.23 0.23
2017	0.80	0.20 0.20 0.20 0.20
2016	0.80	0.20 0.20 0.20 0.20

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	66	47	66	82
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,674	1,713	2,401	2,489

	2023	2024	2025	Q'26
Payables	1,862	1,793	2,450	2,536
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,919	1,808	2,515	2,644

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	51	53	—	—	—
’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)	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.32	1.49	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	20.65	24.45	27.30	32.29	19.00	24.06	28.40	27.00	30.24	35.70	Analyst estimates 2026–2028 Powerpack
	High	32.85	32.50	41.45	41.00	37.75	33.74	41.28	48.55	50.72	53.41
People
People	Employees	303	358	361	374	396	397	397	413	416	537
	Revenue/emp, $m	0.18	0.18	0.22	0.23	0.27	0.25	0.27	0.28	0.32	0.36
Income, $m
Income, $m	Revenue	54	66	80	88	105	101	109	115	132	192
	Gross margin, %	92.68	91.76	90.80	88.44	88.40	93.15	96.67	92.77	81.96	79.08
	EBT	15	16	27	29	23	35	45	40	40	46
	EBT margin, %	27.25	24.91	33.22	33.47	21.54	34.69	41.29	34.63	30.58	24.22
	Net income	11	10	22	24	18	28	36	32	32	37
	Depreciation	2	3	3	3	5	5	6	4	5	8
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
	Earnings	1.80	1.50	3.09	3.36	2.13	3.19	4.15	3.72	3.75	3.61
	Cash flow	2.00	2.60	4.20	3.64	2.95	4.83	4.55	4.77	4.68	5.23
	Capex	0.10	(0.22)	(0.16)	(0.16)	0.04	(0.13)	(0.08)	(0.14)	(0.11)	(0.10)
	Free cash flow	2.11	2.38	4.04	3.49	2.99	4.70	4.46	4.63	4.57	5.12
	Book value	19.84	23.53	23.90	26.84	29.86	31.22	28.42	32.61	35.66	40.94
	Shares, m	6	7	7	7	9	9	9	9	9	10
Valuation, ×
Valuation, ×	P/E	17.47	19.70	12.70	11.26	11.74	9.78	9.28	12.48	10.62	13.62
	P/S	3.54	2.95	3.43	3.04	2.05	2.70	3.05	3.43	2.56	2.59
	P/B	1.59	1.26	1.64	1.41	0.84	1.00	1.36	1.42	1.12	1.18
	EV/Sales	4.57	3.87	3.96	2.50	(1.23)	(3.99)	1.70	4.56	4.14	3.58
	EV/FCF	19.26	16.36	11.22	8.90	(5.02)	(9.84)	4.81	13.30	14.08	13.05
Cash, $m
Cash, $m	Operating cash flow	12	17	30	26	25	42	39	41	40	54
	Capex	1	(1)	(1)	(1)	0	(1)	(1)	(1)	(1)	(1)
	Free cash flow	13	16	28	25	26	41	38	39	39	53
Balance, $m
Balance, $m	Working capital	(88)	(69)	(53)	(70)	(196)	(300)	(552)	(244)	(95)	(114)
	Total debt	74	95	84	66	54	35	21	195	255	255
	Net debt	55	60	43	(48)	(346)	(675)	(147)	129	208	190
	Shareholders’ equity	120	154	168	190	258	272	245	277	303	420
Returns, %
Returns, %	ROA	0.92	0.70	1.34	1.41	0.86	1.04	1.35	1.28	1.32	1.32
	ROIC	5.22	4.79	7.92	12.97	0.00	0.00	28.70	6.12	4.94	4.76
	ROE	9.26	7.14	13.50	13.26	8.22	10.50	13.83	12.13	10.97	10.25

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PFIS Peoples Financial Services Corp.	$681.2M	12.0×	9.2×	+3.78% (above 0%: growing)	−12.94% (below 0%: shrinking)	+54.41% (above 0%: growing)	70.19%	0.00%	Compare
CARE Carter Bankshares, Inc.	$671.8M	5.2×	4.6×	+44.00% (above 0%: growing)	+254.05% (above 0%: growing)	−3,522.21% (below 0%: shrinking)	76.12%	0.00%	Compare
MSBI Midland States Bancorp, Inc.	$670.3M	20.7×	9.1×	−7.83% (below 0%: shrinking)	+86.36% (above 0%: growing)	+9.48% (above 0%: growing)	74.46%	0.00%	Compare
RRBI Red River Bancshares, Inc.	$666.1M	14.5×	12.5×	+6.30% (above 0%: growing)	+18.54% (above 0%: growing)	+237.31% (above 0%: growing)	76.50%	0.00%	Compare
CCB Coastal Financial Corporation	$656.9M	— (loss-making)	16.0×	+37.72% (above 0%: growing)	n/m	+16.72% (above 0%: growing)	85.92%	0.00%	Compare
ACNB ACNB Corporation	$642.5M	12.0×	10.1×	+4.47% (above 0%: growing)	+35.14% (above 0%: growing)	−125.12% (below 0%: shrinking)	81.56%	0.00%
CBNK Capital Bancorp, Inc.	$642.3M	11.5×	9.6×	+8.53% (above 0%: growing)	+10.13% (above 0%: growing)	−18.20% (below 0%: shrinking)	77.43%	0.00%	Compare
HIFS Hingham Institution for Savings	$640.9M	9.7×	—	+33.46% (above 0%: growing)	+168.29% (above 0%: growing)	−29.97% (below 0%: shrinking)	59.45%	0.00%	Compare
BHB Bar Harbor Bankshares, Inc.	$638.6M	12.9×	10.1×	+26.82% (above 0%: growing)	+127.50% (above 0%: growing)	+563.60% (above 0%: growing)	73.41%	0.00%	Compare
Median of peers	$661.5M	12.0×	9.6×	+17.68%	+86.36%	+13.10%	75.29%	0.00%

All 323 Banks Regional stocks →

ACNB Corporation (ACNB) key facts

Strength: ACNB Corporation’s revenue for fiscal 2025 (year ended December 2025) was $191.8 million, up 45.1% from fiscal 2024.
Strength: Net income was $37.1 million, or $3.61 per share (basic), a net margin of 19.3%.
ACNB Corporation (ACNB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, ACNB traded at $63.24, a market capitalization of $642.5 million.
At that price the stock trades at 12.0× trailing-twelve-month earnings and 3.2× sales; its P/E is higher than 55% of its own readings over the past ten years.
ACNB Corporation pays an annual dividend of $1.18 per share, a yield of 1.87%, with a payout ratio of 22.4%.
Return on equity was 10.3% and debt-to-equity 0.51.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.