Acnb Corp Financials
This page shows Acnb Corp (ACNB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Acnb Corp's revenue grew 14.9% year-over-year to $132.2M, a solid pace of expansion. This earns a growth score of 71/100.
Acnb Corp carries a low D/E ratio of 0.84, meaning only $0.84 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 80/100, indicating a strong balance sheet with room for future borrowing.
Acnb Corp converts 29.4% of revenue into free cash flow ($38.8M). This strong cash generation earns a score of 100/100.
Acnb Corp's ROE of 10.5% shows moderate profitability relative to equity, earning a score of 42/100. This is down from 11.4% the prior year.
Acnb Corp passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Acnb Corp generates $1.25 in operating cash flow ($39.8M OCF vs $31.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Acnb Corp generated $132.2M in revenue in fiscal year 2024. This represents an increase of 14.9% from the prior year.
Acnb Corp generated $38.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 1.6% from the prior year.
Acnb Corp reported $31.8M in net income in fiscal year 2024. This represents an increase of 0.5% from the prior year.
Acnb Corp earned $3.73 per diluted share (EPS) in fiscal year 2024. This represents an increase of 0.5% from the prior year.
Acnb Corp held $47.3M in cash against $255.3M in long-term debt as of fiscal year 2024.
Acnb Corp paid $1.26 per share in dividends in fiscal year 2024. This represents an increase of 10.5% from the prior year.
Acnb Corp had 9M shares outstanding in fiscal year 2024. This represents an increase of 0.5% from the prior year.
Acnb Corp's net profit margin was 24.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 3.4 percentage points from the prior year.
Acnb Corp's ROE was 10.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the prior year.
Acnb Corp spent $249K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 87.7% from the prior year.
Acnb Corp invested $960K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 17.8% from the prior year.
ACNB Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $50.9M+1.3% | $50.3M+15.6% | $43.5M+31.0% | $33.2M-0.3% | $33.3M+5.2% | $31.6M-27.6% | $43.7M+80.4% | $24.2M |
| 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 | $10.4M-2.0% | $10.6M+14.8% | $9.2M+46.8% | $6.3M+6.2% | $5.9M+9.7% | $5.4M+41.9% | $3.8M+52.3% | $2.5M |
| Income Tax | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Income | $14.9M+27.7% | $11.6M+4382.4% | -$272K-104.1% | $6.6M-41.5% | $11.3M+66.7% | $6.8M+65.2% | $4.1M-54.7% | $9.0M |
| EPS (Diluted) | $1.42+27.9% | $1.11+3800.0% | $-0.03-103.9% | $0.77-41.7% | $1.32+65.0% | $0.80+70.2% | $0.47-55.7% | $1.06 |
ACNB Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B-0.3% | $3.3B-0.3% | $3.3B+36.5% | $2.4B-2.6% | $2.5B+1.8% | $2.4B-0.2% | $2.4B+1.3% | $2.4B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $102.1M-0.9% | $103.1M-16.6% | $123.6M+161.4% | $47.3M-45.2% | $86.3M+62.4% | $53.1M-19.4% | $66.0M+3.0% | $64.0M |
| 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% | $64.4M+45.9% | $44.2M0.0% | $44.2M0.0% | $44.2M0.0% | $44.2M0.0% | $44.2M |
| Total Liabilities | $2.8B-0.8% | $2.9B-0.7% | $2.9B+37.8% | $2.1B-3.5% | $2.2B+1.6% | $2.1B-0.3% | $2.1B+0.4% | $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% | $255.3M0.0% | $255.3M0.0% | $255.3M0.0% | $255.3M+30.7% | $195.3M+62.4% | $120.3M |
| Total Equity | $408.6M+3.4% | $395.2M+2.1% | $386.9M+27.6% | $303.3M+4.8% | $289.3M+3.4% | $279.9M+0.9% | $277.5M+8.5% | $255.6M |
| Retained Earnings | $250.4M+4.7% | $239.1M+3.5% | $231.0M-1.6% | $234.6M+3.7% | $226.3M+3.9% | $217.7M+2.0% | $213.5M+0.7% | $211.9M |
ACNB Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $23.2M+30.6% | $17.8M+25116.9% | -$71K-101.2% | $5.7M-41.2% | $9.7M-10.3% | $10.8M+25.6% | $8.6M+14.5% | $7.5M |
| Capital Expenditures | $430K+332.4% | -$185K-128.1% | $659K+76.7% | $373K+30.0% | $287K+267.9% | $78K-92.2% | $994K+1361.8% | $68K |
| Free Cash Flow | $22.8M+29.5% | $17.6M+2507.8% | -$730K-113.7% | $5.3M-43.4% | $9.4M-12.3% | $10.7M+41.0% | $7.6M+2.2% | $7.5M |
| Investing Cash Flow | $3.0M+119.4% | -$15.5M-117.4% | $88.9M+1225.1% | $6.7M+174.0% | -$9.1M+37.7% | -$14.5M-11.0% | -$13.1M+60.0% | -$32.8M |
| Financing Cash Flow | -$27.2M-19.5% | -$22.7M-81.1% | -$12.6M+46.0% | -$23.2M-171.5% | $32.5M+457.3% | -$9.1M-241.9% | $6.4M+22.2% | $5.2M |
| Dividends Paid | $3.5M-0.3% | $3.5M+5.2% | $3.4M+23.9% | $2.7M+0.1% | $2.7M+6.8% | $2.5M+0.1% | $2.5M+6.8% | $2.4M |
| Share Buybacks | $2.7M-5.2% | $2.9M-8.0% | $3.1M | $0 | $0-100.0% | $147K-67.5% | $452K-70.8% | $1.5M |
ACNB Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| 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 | 29.2%+6.0pp | 23.2%+23.8pp | -0.6%-20.5pp | 19.9%-14.0pp | 33.9%+12.5pp | 21.4%+12.0pp | 9.4%-27.9pp | 37.3% |
| Return on Equity | 3.6%+0.7pp | 2.9% | N/A | 2.2%-1.7pp | 3.9%+1.5pp | 2.4%+0.9pp | 1.5%-2.1pp | 3.5% |
| Return on Assets | 0.5%+0.1pp | 0.4%+0.4pp | -0.0%-0.3pp | 0.3%-0.2pp | 0.5%+0.2pp | 0.3%+0.1pp | 0.2%-0.2pp | 0.4% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.62-0.0 | 0.65-0.0 | 0.66-0.2 | 0.84-0.0 | 0.88-0.0 | 0.91+0.2 | 0.70+0.2 | 0.47 |
| FCF Margin | 44.7%+9.8pp | 35.0%+36.6pp | -1.7%-17.8pp | 16.1%-12.2pp | 28.3%-5.6pp | 33.9%+16.5pp | 17.4%-13.3pp | 30.7% |
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Frequently Asked Questions
What is Acnb Corp's annual revenue?
Acnb Corp (ACNB) reported $132.2M in total revenue for fiscal year 2024. This represents a 14.9% 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 14.9% year-over-year, from $115.1M to $132.2M in fiscal year 2024.
Is Acnb Corp profitable?
Yes, Acnb Corp (ACNB) reported a net income of $31.8M in fiscal year 2024, with a net profit margin of 24.1%.
What is Acnb Corp's earnings per share (EPS)?
Acnb Corp (ACNB) reported diluted earnings per share of $3.73 for fiscal year 2024. This represents a 0.5% 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.
How much debt does Acnb Corp have?
As of fiscal year 2024, Acnb Corp (ACNB) had $47.3M in cash and equivalents against $255.3M in long-term debt.
What is Acnb Corp's net profit margin?
Acnb Corp (ACNB) had a net profit margin of 24.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Acnb Corp pay dividends?
Yes, Acnb Corp (ACNB) paid $1.26 per share in dividends during fiscal year 2024.
What is Acnb Corp's return on equity (ROE)?
Acnb Corp (ACNB) has a return on equity of 10.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Acnb Corp's free cash flow?
Acnb Corp (ACNB) generated $38.8M in free cash flow during fiscal year 2024. This represents a -1.6% 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 $39.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Acnb Corp's total assets?
Acnb Corp (ACNB) had $2.4B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Acnb Corp's capital expenditures?
Acnb Corp (ACNB) invested $960K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Acnb Corp buy back shares?
Yes, Acnb Corp (ACNB) spent $249K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Acnb Corp have outstanding?
Acnb Corp (ACNB) had 9M shares outstanding as of fiscal year 2024.
What is Acnb Corp's debt-to-equity ratio?
Acnb Corp (ACNB) had a debt-to-equity ratio of 0.84 as of fiscal year 2024, 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 1.3% for fiscal year 2024, 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 1.25x, 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 73 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.