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 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).
Balance-sheet expansion lifted FY2025 revenue, but returns on assets and margin efficiency show a spread business under funding pressure.
FY2025 revenue reached$191.8M , but net margin compressed to19.3% , so the larger balance sheet improved volume while producing less profit per revenue dollar than FY2024. That softer efficiency shows up in ROA as well, slipping from1.33% to1.15% , meaning scale did not translate into better economic yield on the asset base.
Cash conversion looks sturdy because operating cash flow of
Funding costs became a bigger drag than the headline growth suggests: interest expense reached
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Acnb Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Acnb Corp's revenue surged 45.1% year-over-year to $191.8M, reflecting rapid business expansion. This strong growth earns a score of 82/100.
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.
Acnb Corp converts 27.4% of revenue into free cash flow ($52.6M). This strong cash generation earns a score of 98/100.
Acnb Corp's ROE of 8.8% shows moderate profitability relative to equity, earning a score of 33/100. This is down from 10.5% the prior year.
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.
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
Earnings & Revenue
Acnb Corp generated $191.8M in revenue in fiscal year 2025. This represents an increase of 45.1% from the prior year.
Acnb Corp reported $37.1M in net income in fiscal year 2025. This represents an increase of 16.3% from the prior year.
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
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.
Acnb Corp held $65.6M in cash against $255.4M in long-term debt as of fiscal year 2025.
Acnb Corp paid $1.38 per share in dividends in fiscal year 2025. This represents an increase of 9.5% from the prior year.
Acnb Corp had 10M shares outstanding in fiscal year 2025. This represents an increase of 21.3% from the prior year.
Margins & Returns
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.
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
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.
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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $50.5M+7.0% | $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 |
| 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 | $14.0M+7.6% | $13.0M-1.2% | $13.2M-3.7% | $13.7M+6.5% | $12.9M+24.6% | $10.3M-6.3% | $11.0M+5.7% | $10.4M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $9.7M-2.9% | $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 |
| Income Tax | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Income | $13.7M+26.8% | $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 |
| EPS (Diluted) | $1.32 | N/A | $1.42+27.9% | $1.11+3800.0% | $-0.03 | N/A | $0.84-36.4% | $1.32 |
ACNB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B+1.3% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $93.6M+42.6% | $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 |
| 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% | $64.4M0.0% | $64.4M+45.9% | $44.2M0.0% | $44.2M0.0% | $44.2M |
| Total Liabilities | $2.8B+1.3% | $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 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $215.4M-15.7% | $255.4M0.0% | $255.4M0.0% | $255.4M0.0% | $255.3M0.0% | $255.3M0.0% | $255.3M0.0% | $255.3M |
| Total Equity | $425.5M+1.3% | $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 |
| Retained Earnings | $267.1M+3.8% | $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 |
ACNB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $24.3M+90.7% | $12.8M-45.0% | $23.2M+21.8% | $19.0M+1511.4% | -$1.3M-123.6% | $5.7M-57.9% | $13.6M+39.6% | $9.7M |
| Capital Expenditures | $334K+94.2% | $172K-60.0% | $430K+332.4% | -$185K-128.1% | $659K+76.7% | $373K+68.0% | $222K-22.6% | $287K |
| Free Cash Flow | $24.0M+90.6% | $12.6M-44.7% | $22.8M+20.7% | $18.9M+1039.0% | -$2.0M-137.7% | $5.3M-60.0% | $13.3M+41.5% | $9.4M |
| Investing Cash Flow | -$23.2M-96.9% | -$11.8M-493.0% | $3.0M+117.9% | -$16.7M-118.6% | $90.2M+1244.0% | $6.7M-65.3% | $19.3M+313.2% | -$9.1M |
| Financing Cash Flow | $26.9M+171.9% | -$37.4M-37.8% | -$27.2M-19.4% | -$22.7M-81.4% | -$12.5M+46.0% | -$23.2M+61.9% | -$61.1M-287.9% | $32.5M |
| Dividends Paid | $3.9M+0.2% | $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 |
| Share Buybacks | $3.6M+42.9% | $2.5M-8.0% | $2.7M-5.2% | $2.9M-8.0% | $3.1M | $0-100.0% | $102K | $0 |
ACNB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 27.1%+4.2pp | 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% |
| Return on Equity | 3.2%+0.6pp | 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% |
| Return on Assets | 0.4%+0.1pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.51-0.1 | 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 |
| FCF Margin | 47.5%+20.8pp | 26.7%-18.1pp | 44.7%+7.2pp | 37.5%+42.1pp | -4.6%-20.7pp | 16.1%-23.0pp | 39.1%+10.8pp | 28.3% |
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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.
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 to 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 50 out of 100 on our Financial Profile, indicating moderate 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.