What is Acnb Corp's earnings per share (EPS)?

Acnb Corp (ACNB) reported diluted earnings per share of $3.60 for fiscal year 2025. This represents a -3.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Acnb Corp Financials

ACNB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Acnb Corp (ACNB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 78/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

Acnb Corp's revenue surged 45.1% year-over-year to $191.8M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Acnb Corp carries a low D/E ratio of 0.61, meaning only $0.61 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 90/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Acnb Corp converts 27.4% of revenue into free cash flow ($52.6M). This strong cash generation earns a score of 94/100.

Returns

Acnb Corp's ROE of 8.8% shows moderate profitability relative to equity, earning a score of 31/100. This is down from 10.5% the prior year.

Piotroski F-Score Neutral

5/9

Acnb Corp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.45x

For every $1 of reported earnings, Acnb Corp generates $1.45 in operating cash flow ($53.6M OCF vs $37.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$191.8M

YoY+45.1%

5Y CAGR+17.6%

10Y CAGR+17.1%

Acnb Corp generated $191.8M in revenue in fiscal year 2025. This represents an increase of 45.1% from the prior year.

EBITDA

N/A

Net Income

$37.1M

YoY+16.3%

5Y CAGR+15.0%

10Y CAGR+12.9%

Acnb Corp reported $37.1M in net income in fiscal year 2025. This represents an increase of 16.3% from the prior year.

EPS (Diluted)

$3.60

YoY-3.5%

Acnb Corp earned $3.60 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 3.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$52.6M

YoY+35.4%

5Y CAGR+16.6%

10Y CAGR+15.3%

Acnb Corp generated $52.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 35.4% from the prior year.

Cash & Debt

$65.6M

YoY+38.9%

5Y CAGR-30.3%

10Y CAGR+13.3%

Acnb Corp held $65.6M in cash against $255.4M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.38

YoY+9.5%

5Y CAGR+6.7%

10Y CAGR+5.6%

Acnb Corp paid $1.38 per share in dividends in fiscal year 2025. This represents an increase of 9.5% from the prior year.

Shares Outstanding

10M

YoY+21.3%

5Y CAGR+3.6%

10Y CAGR+5.6%

Acnb Corp had 10M shares outstanding in fiscal year 2025. This represents an increase of 21.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

19.3%

YoY-4.8pp

5Y CAGR-2.2pp

10Y CAGR-8.6pp

Acnb Corp's net profit margin was 19.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.8 percentage points from the prior year.

Return on Equity

8.8%

YoY-1.7pp

5Y CAGR+1.7pp

10Y CAGR-0.8pp

Acnb Corp's ROE was 8.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$11.2M

YoY+4383.5%

Acnb Corp spent $11.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 4383.5% from the prior year.

Capital Expenditures

$1.1M

YoY+12.1%

5Y CAGR+0.5%

10Y CAGR-4.7%

Acnb Corp invested $1.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 12.1% from the prior year.

ACNB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$191.8M+45.1%	$132.2M+14.9%	$115.1M+5.7%	$108.9M+39.3%	$78.2M-8.4%	$85.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$40.1M+68.2%	$23.9M+186.7%	$8.3M+129.6%	$3.6M-47.6%	$6.9M-43.4%	$12.2M
Income Tax	$9.4M+9.7%	$8.6M+5.0%	$8.2M	N/A	N/A	N/A
Net Income	$37.1M+16.3%	$31.8M+0.5%	$31.7M-11.4%	$35.8M+28.4%	$27.8M+51.3%	$18.4M
EPS (Diluted)	$3.60-3.5%	$3.73+0.5%	$3.71-10.6%	$4.15	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$47.2M-7.3%	$50.9M+1.3%	$50.3M+15.6%	$43.5M+31.0%	$33.2M-2.6%	$34.1M+2.3%	$33.3M+5.2%	$31.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$10.0M-3.4%	$10.4M-2.0%	$10.6M+14.8%	$9.2M+46.8%	$6.3M-0.5%	$6.3M+6.7%	$5.9M+9.7%	$5.4M
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	$10.8M-27.3%	$14.9M+27.7%	$11.6M+4382.4%	-$272K-104.1%	$6.6M-8.5%	$7.2M-36.1%	$11.3M+66.7%	$6.8M
EPS (Diluted)	N/A	$1.42+27.9%	$1.11+3800.0%	$-0.03	N/A	$0.84-36.4%	$1.32+65.0%	$0.80

ACNB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.2B+34.8%	$2.4B-1.0%	$2.4B-4.2%	$2.5B-9.4%	$2.8B+9.1%	$2.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$65.6M+38.9%	$47.3M-28.3%	$66.0M-60.8%	$168.2M-76.3%	$710.1M+77.8%	$399.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$64.4M+45.9%	$44.2M0.0%	$44.2M0.0%	$44.2M+4.9%	$42.1M0.0%	$42.1M
Total Liabilities	$2.8B+34.3%	$2.1B-2.3%	$2.1B-6.1%	$2.3B-9.3%	$2.5B+9.5%	$2.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$255.4M0.0%	$255.3M+30.7%	$195.3M+830.0%	$21.0M-39.5%	$34.7M-35.4%	$53.7M
Total Equity	$420.0M+38.5%	$303.3M+9.3%	$277.5M+13.2%	$245.0M-9.9%	$272.1M+5.5%	$258.0M
Retained Earnings	$257.3M+9.7%	$234.6M+9.9%	$213.5M+10.1%	$193.9M+15.9%	$167.2M+12.7%	$148.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.2B-0.7%	$3.3B-0.3%	$3.3B-0.3%	$3.3B+36.5%	$2.4B-1.1%	$2.4B-1.5%	$2.5B+1.8%	$2.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$65.6M-35.7%	$102.1M-0.9%	$103.1M-16.6%	$123.6M+161.4%	$47.3M-18.6%	$58.1M-32.7%	$86.3M+62.4%	$53.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$64.4M0.0%	$64.4M0.0%	$64.4M0.0%	$64.4M+45.9%	$44.2M0.0%	$44.2M0.0%	$44.2M0.0%	$44.2M
Total Liabilities	$2.8B-1.2%	$2.8B-0.8%	$2.9B-0.7%	$2.9B+37.8%	$2.1B-1.1%	$2.1B-2.5%	$2.2B+1.6%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$255.4M0.0%	$255.4M0.0%	$255.4M0.0%	$255.3M0.0%	$255.3M0.0%	$255.3M0.0%	$255.3M0.0%	$255.3M
Total Equity	$420.0M+2.8%	$408.6M+3.4%	$395.2M+2.1%	$386.9M+27.6%	$303.3M-1.1%	$306.8M+6.0%	$289.3M+3.4%	$279.9M
Retained Earnings	$257.3M+2.7%	$250.4M+4.7%	$239.1M+3.5%	$231.0M-1.6%	$234.6M+1.7%	$230.8M+2.0%	$226.3M+3.9%	$217.7M

ACNB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$53.6M+34.8%	$39.8M-2.0%	$40.6M+3.6%	$39.2M-6.9%	$42.1M+65.4%	$25.5M
Capital Expenditures	$1.1M+12.1%	$960K-17.8%	$1.2M-35.5%	$1.8M+14.9%	$1.6M+50.4%	$1.0M
Free Cash Flow	$52.6M+35.4%	$38.8M-1.6%	$39.4M+5.5%	$37.4M-7.8%	$40.5M+66.0%	$24.4M
Investing Cash Flow	$64.6M+2562.6%	$2.4M-84.3%	$15.4M+104.7%	-$331.7M-648.1%	$60.5M+152.7%	-$114.8M
Financing Cash Flow	-$99.9M-64.0%	-$60.9M+61.5%	-$158.2M+36.6%	-$249.4M-219.9%	$208.1M-44.4%	$374.4M
Dividends Paid	$14.4M+34.2%	$10.7M+10.4%	$9.7M+6.4%	$9.1M+1.7%	$9.0M+3.3%	$8.7M
Share Buybacks	$11.2M+4383.5%	$249K-87.7%	$2.0M-69.7%	$6.7M+340.5%	$1.5M	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$12.8M-45.0%	$23.2M+30.6%	$17.8M+25116.9%	-$71K-101.2%	$5.7M-57.9%	$13.6M+39.6%	$9.7M-10.3%	$10.8M
Capital Expenditures	$172K-60.0%	$430K+332.4%	-$185K-128.1%	$659K+76.7%	$373K+68.0%	$222K-22.6%	$287K+267.9%	$78K
Free Cash Flow	$12.6M-44.7%	$22.8M+29.5%	$17.6M+2507.8%	-$730K-113.7%	$5.3M-60.0%	$13.3M+41.5%	$9.4M-12.3%	$10.7M
Investing Cash Flow	-$11.8M-493.0%	$3.0M+119.4%	-$15.5M-117.4%	$88.9M+1225.1%	$6.7M-65.3%	$19.3M+313.2%	-$9.1M+37.7%	-$14.5M
Financing Cash Flow	-$37.4M-37.8%	-$27.2M-19.5%	-$22.7M-81.1%	-$12.6M+46.0%	-$23.2M+61.9%	-$61.1M-287.9%	$32.5M+457.3%	-$9.1M
Dividends Paid	$3.9M+10.9%	$3.5M-0.3%	$3.5M+5.2%	$3.4M+23.9%	$2.7M0.0%	$2.7M+0.1%	$2.7M+6.8%	$2.5M
Share Buybacks	$2.5M-8.0%	$2.7M-5.2%	$2.9M-8.0%	$3.1M	$0-100.0%	$102K	$0-100.0%	$147K

ACNB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	19.3%-4.8pp	24.1%-3.4pp	27.5%-5.3pp	32.8%-2.8pp	35.6%+14.0pp	21.6%
Return on Equity	8.8%-1.7pp	10.5%-0.9pp	11.4%-3.2pp	14.6%+4.4pp	10.2%+3.1pp	7.1%
Return on Assets	1.1%-0.2pp	1.3%+0.0pp	1.3%-0.1pp	1.4%+0.4pp	1.0%+0.3pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.61-0.2	0.84+0.1	0.70+0.6	0.09-0.0	0.13-0.1	0.21
FCF Margin	27.4%-2.0pp	29.4%-4.9pp	34.3%-0.1pp	34.4%-17.5pp	51.9%+23.3pp	28.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.9%-6.3pp	29.2%+6.0pp	23.2%+23.8pp	-0.6%-20.5pp	19.9%-1.3pp	21.1%-12.7pp	33.9%+12.5pp	21.4%
Return on Equity	2.6%-1.1pp	3.6%+0.7pp	2.9%+3.0pp	-0.1%-2.2pp	2.2%-0.2pp	2.4%-1.6pp	3.9%+1.5pp	2.4%
Return on Assets	0.3%-0.1pp	0.5%+0.1pp	0.4%+0.4pp	-0.0%-0.3pp	0.3%-0.0pp	0.3%-0.2pp	0.5%+0.2pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.61-0.0	0.62-0.0	0.65-0.0	0.66-0.2	0.840.0	0.83-0.1	0.88-0.0	0.91
FCF Margin	26.7%-18.1pp	44.7%+9.8pp	35.0%+36.6pp	-1.7%-17.8pp	16.1%-23.0pp	39.1%+10.8pp	28.3%-5.6pp	33.9%

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Frequently Asked Questions

What is Acnb Corp's annual revenue?

Acnb Corp (ACNB) reported $191.8M in total revenue for fiscal year 2025. This represents a 45.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Acnb Corp's revenue growing?

Acnb Corp (ACNB) revenue grew by 45.1% year-over-year, from $132.2M to $191.8M in fiscal year 2025.

Is Acnb Corp profitable?

Yes, Acnb Corp (ACNB) reported a net income of $37.1M in fiscal year 2025, with a net profit margin of 19.3%.

How much debt does Acnb Corp have?

As of fiscal year 2025, Acnb Corp (ACNB) had $65.6M in cash and equivalents against $255.4M in long-term debt.

What is Acnb Corp's net profit margin?

Acnb Corp (ACNB) had a net profit margin of 19.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Acnb Corp pay dividends?

Yes, Acnb Corp (ACNB) paid $1.38 per share in dividends during fiscal year 2025.

What is Acnb Corp's return on equity (ROE)?

Acnb Corp (ACNB) has a return on equity of 8.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Acnb Corp's free cash flow?

Acnb Corp (ACNB) generated $52.6M in free cash flow during fiscal year 2025. This represents a 35.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Acnb Corp's operating cash flow?

Acnb Corp (ACNB) generated $53.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Acnb Corp's total assets?

Acnb Corp (ACNB) had $3.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Acnb Corp's capital expenditures?

Acnb Corp (ACNB) invested $1.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Acnb Corp buy back shares?

Yes, Acnb Corp (ACNB) spent $11.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Acnb Corp have outstanding?

Acnb Corp (ACNB) had 10M shares outstanding as of fiscal year 2025.

What is Acnb Corp's debt-to-equity ratio?

Acnb Corp (ACNB) had a debt-to-equity ratio of 0.61 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Acnb Corp's return on assets (ROA)?

Acnb Corp (ACNB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Acnb Corp's Piotroski F-Score?

Acnb Corp (ACNB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Acnb Corp's earnings high quality?

Acnb Corp (ACNB) has an earnings quality ratio of 1.45x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Acnb Corp?

Acnb Corp (ACNB) scores 78 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.