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 (ACNB) Financials

ACNB

Trailing 12 months to June 30, 2026

Revenue $201.1M +24.9% YoY

Net Income $54.6M +116.9% YoY

EPS (Diluted) $5.27 +95.9% YoY

Free Cash Flow $58.8M +83.4% YoY

Market Cap $637.8M as of Oct 12, 2026

Price / Sales 3.2x on $201.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.7x on $54.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $423.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ACNB SEC filings page.

ACNB Corp (ACNB) reported $201.1M in revenue over the twelve months to Jun 30, 2026, up 24.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI ACNB FY2025 2026-10-04

Revenue nearly doubled, but higher interest expense absorbed much of the growth while cash generation stayed aligned with earnings.

Across the latest two-year comparison, revenue rose 66.7% while net income rose only 17.0%, so a much larger earning base produced only modest additional profit. Over that span, interest expense climbed 382.2%, identifying funding cost—not weak cash conversion—as the main visible squeeze on reported earnings. In the latest year, operating cash flow was 44.8% above net income, while free cash flow reached 97.9% of operating cash flow; this cash conversion suggests earnings were not primarily dependent on noncash accounting.

The latest balance-sheet expansion increased assets by 34.8% and equity by 38.5%, so growth added scale while also enlarging the capital cushion behind it. Debt-to-equity fell from 0.8x to 0.6x, indicating the larger balance sheet was not accompanied by a proportional increase in leverage.

The return profile weakened as the balance sheet grew: ROA slipped from 1.3% to 1.2%, showing the added assets generated less return per dollar. ROE also fell from 10.5% to 8.8%, confirming that the larger equity base is earning less.

Financial Health Signals

Financial Health Score 67/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.

Earnings

ACNB Corp earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.3% the prior year. Earnings ranks banks on that return over three years, and ACNB Corp scores 76/100 among other banks.

Growth

ACNB Corp reported revenue of $191.8M in fiscal year 2025, against $132.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and ACNB Corp scores 85/100 among other banks.

Capital

ACNB Corp funded 13.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $420.0M of equity against $3.2B of assets. Capital ranks banks on that cushion, and ACNB Corp scores 68/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. ACNB Corp scores 84/100 on it among other banks.

Credit Quality

Not available for ACNB Corp, and counted as zero in the overall score.

Stability

ACNB Corp reported net income of $37.1M in fiscal year 2025, against $31.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and ACNB Corp scores 87/100 among other banks.

Piotroski F-Score Partial

6/7

ACNB Corp passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 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

$52.5M

YoY+4.5%

QoQ+4.0%

5Y CAGR+16.4%

10Y CAGR+15.1%

ACNB Corp generated $52.5M in revenue in Q2 2026. This represents an increase of 4.5% from the same quarter a year earlier. Against the prior quarter it is up 4.0%.

Net Income

$15.2M

YoY+30.6%

QoQ+11.0%

5Y CAGR+12.3%

10Y CAGR+17.7%

ACNB Corp reported $15.2M in net income in Q2 2026. This represents an increase of 30.6% from the same quarter a year earlier. Against the prior quarter it is up 11.0%.

EPS (Diluted)

$1.49

YoY+34.2%

QoQ+12.9%

ACNB Corp earned $1.49 per diluted share (EPS) in Q2 2026. This represents an increase of 34.2% from the same quarter a year earlier. Against the prior quarter it is up 12.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$4.0M

YoY-125.7%

QoQ-116.5%

ACNB Corp recorded an outflow of $4.0M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 125.7% from the same quarter a year earlier. Against the prior quarter it is down 116.5%.

Cash & Debt

$81.8M

YoY-20.6%

QoQ-12.6%

5Y CAGR-32.7%

10Y CAGR+5.9%

ACNB Corp held $81.8M in cash against $214.9M in long-term debt as of Q2 2026.

Dividends Per Share

$0.92

YoY+170.6%

QoQ+142.1%

ACNB Corp paid $0.92 per share in dividends in Q2 2026. This represents an increase of 170.6% from the same quarter a year earlier. Against the prior quarter it is up 142.1%.

Shares Outstanding

10M

YoY-2.8%

QoQ-0.4%

5Y CAGR+3.1%

10Y CAGR+5.3%

ACNB Corp had 10M shares outstanding in Q2 2026. This represents a decrease of 2.8% from the same quarter a year earlier. Against the prior quarter it is down 0.4%.

Margins & Returns

Net Margin

29.0%

YoY+5.8pp

QoQ+1.9pp

5Y change-5.7pp

10Y change+5.8pp

ACNB Corp's net profit margin was 29.0% in Q2 2026, showing the share of revenue converted to profit. This is up 5.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.

Return on Equity

3.6%

YoY+0.6pp

QoQ+0.4pp

5Y change+0.4pp

10Y change+1.1pp

ACNB Corp's ROE was 3.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$9.2M

YoY+221.4%

QoQ+158.1%

ACNB Corp spent $9.2M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 221.4% from the same quarter a year earlier. Against the prior quarter it is up 158.1%.

Capital Expenditures

$516K

YoY+178.9%

QoQ+54.5%

5Y CAGR+23.9%

10Y CAGR-5.7%

ACNB Corp invested $516K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 178.9% from the same quarter a year earlier. Against the prior quarter it is up 54.5%.

R&D Spending

Not reported for Q2 2026.

ACNB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ACNB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$201.1M	$191.8M+45.1%	$132.2M+14.9%	$115.1M+5.7%	$108.9M+15.8%	$94.0M+0.9%	$93.2M+20.1%	$77.6M+6.2%	$73.0M+20.7%	$60.5M+21.6%	$49.8M+3.7%	$48.0M+4.9%	$45.8M+1.0%	$45.3M-1.9%	$46.2M+0.2%	$46.1M
SG&A Expenses	$54.0M	$52.8M+22.9%	$42.9M+4.9%	$40.9M+13.8%	$36.0M-2.3%	$36.8M+4.4%	$35.3M+22.5%	$28.8M+7.7%	$26.7M+8.4%	$24.7M+11.1%	$22.2M+6.1%	$20.9M+7.3%	$19.5M+3.0%	$18.9M+2.1%	$18.6M+8.3%	$17.1M
Interest Expense	$39.8M	$40.1M+68.2%	$23.9M+186.7%	$8.3M+129.6%	$3.6M-47.6%	$6.9M-43.4%	$12.2M+20.5%	$10.1M+37.0%	$7.4M+36.2%	$5.4M+38.1%	$3.9M+2.0%	$3.9M+5.8%	$3.6M-8.6%	$4.0M-34.6%	$6.1M-18.3%	$7.5M
Income Tax	N/A	$9.4M+9.7%	$8.6M+5.0%	$8.2M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	$54.6M	$37.1M+16.3%	$31.8M+0.5%	$31.7M-11.4%	$35.8M+28.4%	$27.8M+51.3%	$18.4M-22.5%	$23.7M+9.1%	$21.7M+122.2%	$9.8M-9.9%	$10.9M-1.3%	$11.0M+7.1%	$10.3M+10.5%	$9.3M+4.8%	$8.9M+4.5%	$8.5M
EPS (Basic)	N/A	$3.61-3.7%	$3.75+0.8%	$3.72-10.4%	$4.15+30.1%	$3.19+49.8%	$2.13-36.6%	$3.36+8.7%	$3.09+106.0%	$1.50-16.7%	$1.80-1.6%	$1.83+7.0%	$1.71+9.6%	$1.56+4.7%	$1.49+4.2%	$1.43
EPS (Diluted)	$5.27	$3.60-3.5%	$3.73+0.5%	$3.71-10.6%	$4.15	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Diluted Shares (Avg)	N/A	10M+20.5%	9M0.0%	9M-1.0%	9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$52.5M+4.5%	$50.5M+16.2%	$47.2M+42.2%	$50.9M+49.4%	$50.3M+50.9%	$43.5M+37.4%	$33.2M+7.8%	$34.1M+21.5%
SG&A Expenses	$13.8M+0.5%	$14.0M+9.1%	$13.0M+26.3%	$13.2M+19.7%	$13.7M+31.3%	$12.9M+15.2%	$10.3M-2.6%	$11.0M+9.4%
Interest Expense	$9.7M-8.3%	$9.7M+5.6%	$10.0M+59.6%	$10.4M+64.4%	$10.6M+78.9%	$9.2M+71.0%	$6.3M+65.4%	$6.3M+153.1%
Net Income	$15.2M+30.6%	$13.7M+5137.9%	$10.8M+63.8%	$14.9M+106.4%	$11.6M+3.3%	-$272K-104.0%	$6.6M+61.0%	$7.2M-20.3%
EPS (Basic)	$1.50+35.1%	$1.32+4500.0%	$1.04+33.3%	$1.43+68.2%	$1.11-15.9%	-$0.03-103.8%	$0.78+62.5%	$0.85-19.8%
EPS (Diluted)	$1.49+34.2%	$1.32+4500.0%	$1.04+35.1%	$1.42+69.0%	$1.11-15.9%	-$0.03-103.8%	$0.77+60.4%	$0.84-20.8%
Diluted Shares (Avg)	10M-2.6%	10M+5.5%	N/A	10M+22.3%	10M+22.8%	10M+15.4%	N/A	9M-0.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, Income Tax.

ACNB Balance Sheet

ACNB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.2B+34.8%	$2.4B-1.0%	$2.4B-4.2%	$2.5B-9.4%	$2.8B+9.1%	$2.6B+48.5%	$1.7B+4.4%	$1.6B+3.3%	$1.6B+32.3%	$1.2B+5.1%	$1.1B+5.3%	$1.1B+4.2%	$1.0B-0.4%	$1.0B+4.5%	$1.0B
Cash & Equivalents	$65.6M+38.9%	$47.3M-28.3%	$66.0M-60.8%	$168.2M-76.3%	$710.1M+77.8%	$399.4M+249.2%	$114.4M+179.6%	$40.9M+18.8%	$34.4M+81.9%	$18.9M+0.9%	$18.8M-4.7%	$19.7M+8.6%	$18.1M-64.7%	$51.4M+127.1%	$22.6M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$64.4M+45.9%	$44.2M0.0%	$44.2M0.0%	$44.2M+4.9%	$42.1M0.0%	$42.1M+115.1%	$19.6M0.0%	$19.6M0.0%	$19.6M+210.4%	$6.3M0.0%	$6.3M0.0%	$6.3M0.0%	$6.3M0.0%	$6.3M0.0%	$6.3M
Total Liabilities	$2.8B+34.3%	$2.1B-2.3%	$2.1B-6.1%	$2.3B-9.3%	$2.5B+9.5%	$2.3B+50.1%	$1.5B+3.5%	$1.5B+2.6%	$1.4B+32.7%	$1.1B+5.1%	$1.0B+5.5%	$979.8M+4.3%	$939.2M-1.0%	$948.7M+4.6%	$907.3M
Long-Term Debt	$255.4M0.0%	$255.3M+30.7%	$195.3M+830.0%	$21.0M-39.5%	$34.7M-35.4%	$53.7M-18.9%	$66.3M-20.6%	$83.5M-11.7%	$94.6M+27.4%	$74.3M-2.9%	$76.5M-5.5%	$80.9M-2.1%	$82.7M+37.9%	$60.0M-15.8%	$71.2M
Total Equity	$420.0M+38.5%	$303.3M+9.3%	$277.5M+13.2%	$245.0M-9.9%	$272.1M+5.5%	$258.0M+36.1%	$189.5M+12.7%	$168.1M+9.2%	$154.0M+28.2%	$120.1M+4.7%	$114.7M+4.3%	$110.0M+3.0%	$106.8M+5.5%	$101.3M+3.9%	$97.5M
Retained Earnings	$257.3M+9.7%	$234.6M+9.9%	$213.5M+10.1%	$193.9M+15.9%	$167.2M+12.7%	$148.4M+7.0%	$138.7M+13.8%	$121.9M+14.6%	$106.3M+5.7%	$100.6M+6.4%	$94.5M+7.0%	$88.3M+6.9%	$82.7M+6.1%	$77.9M+5.9%	$73.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.3B+1.8%	$3.3B0.0%	$3.2B+34.8%	$3.3B+34.3%	$3.3B+32.6%	$3.3B+35.4%	$2.4B-1.0%	$2.4B+1.4%
Cash & Equivalents	$81.8M-20.6%	$93.6M-24.2%	$65.6M+38.9%	$102.1M+75.8%	$103.1M+19.5%	$123.6M+132.5%	$47.3M-28.3%	$58.1M-9.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$64.4M0.0%	$64.4M0.0%	$64.4M+45.9%	$64.4M+45.9%	$64.4M+45.9%	$64.4M+45.9%	$44.2M0.0%	$44.2M0.0%
Total Liabilities	$2.9B+1.1%	$2.8B-1.3%	$2.8B+34.3%	$2.8B+34.4%	$2.9B+32.1%	$2.9B+35.1%	$2.1B-2.3%	$2.1B-0.9%
Long-Term Debt	$214.9M-15.8%	$215.4M-15.6%	$255.4M0.0%	$255.4M0.0%	$255.4M0.0%	$255.3M0.0%	$255.3M+30.7%	$255.3M+112.3%
Total Equity	$423.3M+7.1%	$425.5M+10.0%	$420.0M+38.5%	$408.6M+33.2%	$395.2M+36.6%	$386.9M+38.2%	$303.3M+9.3%	$306.8M+20.0%
Retained Earnings	$273.0M+14.2%	$267.1M+15.6%	$257.3M+9.7%	$250.4M+8.5%	$239.1M+5.7%	$231.0M+6.1%	$234.6M+9.9%	$230.8M+8.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

ACNB Cash Flow Statement

ACNB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$60.3M	$53.6M+34.8%	$39.8M-2.0%	$40.6M+3.6%	$39.2M-6.9%	$42.1M+65.4%	$25.5M-1.0%	$25.7M-12.9%	$29.5M+73.7%	$17.0M+40.3%	$12.1M-15.7%	$14.4M+33.0%	$10.8M-39.9%	$18.0M+93.3%	$9.3M-48.8%	$18.2M
Depreciation & Amortization	N/A	$6.7M+122.1%	$3.0M-9.8%	$3.4M-11.4%	$3.8M+10.3%	$3.4M-5.8%	$3.7M+35.4%	$2.7M-5.5%	$2.9M+24.5%	$2.3M+27.3%	$1.8M+2.6%	$1.8M-14.9%	$2.1M+3.5%	$2.0M-2.4%	$2.0M-8.0%	$2.2M
Stock-Based Compensation	N/A	$1.4M+11.7%	$1.3M+25.8%	$1.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	$1.5M	$1.1M+12.1%	$960K-17.8%	$1.2M-35.5%	$1.8M+14.9%	$1.6M+50.4%	$1.0M-26.4%	$1.4M-18.3%	$1.7M-0.8%	$1.8M-25.0%	$2.3M+34.9%	$1.7M-44.8%	$3.1M+42.3%	$2.2M+8.0%	$2.0M+5.5%	$1.9M
Free Cash Flow	$58.8M	$52.6M+35.4%	$38.8M-1.6%	$39.4M+5.5%	$37.4M-7.8%	$40.5M+66.0%	$24.4M+0.5%	$24.3M-12.6%	$27.8M+82.3%	$15.3M+56.0%	$9.8M-22.7%	$12.6M+64.9%	$7.7M-51.4%	$15.8M+117.5%	$7.3M-55.3%	$16.2M
Investing Cash Flow	-$79.8M	$64.6M+2562.6%	$2.4M-84.3%	$15.4M+104.7%	-$331.7M-648.1%	$60.5M+152.7%	-$114.8M-1531.8%	$8.0M+115.0%	-$53.6M-3.2%	-$52.0M+12.6%	-$59.4M+7.3%	-$64.1M-45.3%	-$44.1M-15.8%	-$38.1M-114.2%	-$17.8M+63.1%	-$48.3M
Financing Cash Flow	-$1.8M	-$99.9M-64.0%	-$60.9M+61.5%	-$158.2M+36.6%	-$249.4M-219.9%	$208.1M-44.4%	$374.4M+842.8%	$39.7M+30.0%	$30.5M-39.5%	$50.5M+6.2%	$47.5M-2.8%	$48.8M+40.1%	$34.9M+365.6%	-$13.1M-135.2%	$37.3M+30.3%	$28.6M
Dividends Paid	$20.7M	$14.4M+34.2%	$10.7M+10.4%	$9.7M+6.4%	$9.1M+1.7%	$9.0M+3.3%	$8.7M+25.5%	$6.9M+10.5%	$6.3M+19.6%	$5.2M+8.1%	$4.8M+0.4%	$4.8M+4.3%	$4.6M+1.8%	$4.5M+0.4%	$4.5M+0.3%	$4.5M
Share Buybacks	$17.9M	$11.2M+4383.5%	$249K-87.7%	$2.0M-69.7%	$6.7M+340.5%	$1.5M	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$3.4M-122.1%	$24.3M+1903.0%	$12.8M+123.5%	$26.6M+96.6%	$15.6M+60.7%	-$1.3M-112.5%	$5.7M-33.7%	$13.6M+80.3%
Depreciation & Amortization	$1.6M-10.4%	$1.7M+15.2%	$1.8M+130.2%	$1.8M+136.3%	$1.8M+133.9%	$1.4M+88.6%	$765K	$744K
Stock-Based Compensation	N/A	N/A	N/A	$301K+23.4%	$276K+14.5%	$612K+14.6%	N/A	$244K
Capital Expenditures	$516K+178.9%	$334K-49.3%	$172K-53.9%	$430K+93.7%	-$185K-35.5%	$659K+744.9%	$373K-62.5%	$222K+226.5%
Free Cash Flow	-$4.0M-125.7%	$24.0M+1294.6%	$12.6M+135.9%	$26.2M+96.6%	$15.4M+63.6%	-$2.0M-118.7%	$5.3M-30.0%	$13.3M+78.9%
Investing Cash Flow	-$44.3M-232.8%	-$23.2M-125.8%	-$11.8M-275.9%	-$443K-102.3%	-$13.3M-46.6%	$90.2M+720.1%	$6.7M+151.2%	$19.3M+159.0%
Financing Cash Flow	$35.9M+257.8%	$26.9M+314.5%	-$37.4M-61.1%	-$27.2M+55.5%	-$22.8M-170.0%	-$12.5M-37.9%	-$23.2M-462.6%	-$61.1M-1263.6%
Dividends Paid	$9.3M+162.5%	$3.9M+16.5%	$3.9M+44.0%	$3.5M+29.9%	$3.5M+30.5%	$3.4M+32.5%	$2.7M+7.0%	$2.7M+14.2%
Share Buybacks	$9.2M+221.4%	$3.6M+14.6%	$2.5M	$2.7M+2554.9%	$2.9M	$3.1M+2012.9%	$0-100.0%	$102K-93.4%

ACNB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ACNB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	19.3%-4.8pp	24.1%-3.4pp	27.5%-5.3pp	32.8%+3.2pp	29.6%+9.9pp	19.7%-10.8pp	30.6%+0.8pp	29.8%+13.6pp	16.2%-5.7pp	21.8%-1.1pp	22.9%+0.5pp	22.5%+1.9pp	20.6%+1.3pp	19.2%+0.8pp	18.4%
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%-5.4pp	12.5%-0.4pp	12.9%+6.6pp	6.4%-2.7pp	9.0%-0.6pp	9.6%+0.3pp	9.3%+0.6pp	8.7%-0.1pp	8.8%+0.1pp	8.7%
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%-0.7pp	1.4%+0.1pp	1.3%+0.7pp	0.6%-0.3pp	0.9%-0.1pp	1.0%0.0pp	0.9%+0.1pp	0.9%0.0pp	0.9%0.0pp	0.9%
Debt-to-Equity	0.61-0.2x	0.84+0.1x	0.70+0.6x	0.090.0x	0.13-0.1x	0.21-0.1x	0.35-0.1x	0.50-0.1x	0.610.0x	0.620.0x	0.67-0.1x	0.740.0x	0.77+0.2x	0.59-0.1x	0.73
Asset Turnover	0.060.0x	0.060.0x	0.050.0x	0.040.0x	0.030.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.05
FCF Margin	27.4%-2.0pp	29.4%-4.9pp	34.3%-0.1pp	34.4%-8.8pp	43.1%+16.9pp	26.2%-5.1pp	31.3%-6.7pp	38.1%+12.8pp	25.2%+5.6pp	19.6%-6.7pp	26.3%+9.6pp	16.8%-18.1pp	34.8%+19.1pp	15.7%-19.5pp	35.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	29.0%+5.8pp	27.1%+27.8pp	22.9%+3.0pp	29.2%+8.1pp	23.2%-10.7pp	-0.6%-22.0pp	19.9%+6.6pp	21.1%-11.1pp
Return on Equity	3.6%+0.6pp	3.2%+3.3pp	2.6%+0.4pp	3.6%+1.3pp	2.9%-1.0pp	-0.1%-2.5pp	2.2%+0.7pp	2.4%-1.2pp
Return on Assets	0.5%+0.1pp	0.4%+0.4pp	0.3%+0.1pp	0.5%+0.2pp	0.4%-0.1pp	0.0%-0.3pp	0.3%+0.1pp	0.3%-0.1pp
Debt-to-Equity	0.51-0.1x	0.51-0.2x	0.61-0.2x	0.62-0.2x	0.65-0.2x	0.66-0.3x	0.84+0.1x	0.83+0.4x
Asset Turnover	0.020.0x	0.020.0x	0.010.0x	0.020.0x	0.020.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-7.5%-38.2pp	47.5%+52.1pp	26.7%+10.6pp	51.5%+12.4pp	30.7%+2.4pp	-4.6%-38.6pp	16.1%-8.7pp	39.1%+12.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
ACNB Corp ACNB	FY2025	$191.8M	$37.1M	19.3%	$637.8M	67/100
First Business Financial Services, Inc. FBIZ	FY2025	$168.6M	$50.3M	29.8%	$580.4M	48/100
Northfield Bancorp, Inc. NFBK	FY2025	$154.3M	$796K	0.5%	$639.4M	29/100
Arrow Financial Corp AROW	FY2025	$139.5M	$44.0M	31.5%	$673.9M	29/100
Flushing Financial Corp FFIC	FY2025	$238.9M	$18.9M	7.9%	$524.2M	27/100
Red River Bancshares, Inc. RRBI	FY2025	$125.5M	$42.8M	34.1%	$660.2M	55/100

Where ACNB Corp Ranks

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 P/E ratio?

ACNB Corp (ACNB) trades at 11.7x earnings, its market capitalization divided by net income of $54.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $637.8M as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is ACNB Corp's price-to-sales ratio?

ACNB Corp (ACNB) trades at 3.2x sales, its market capitalization divided by revenue of $201.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $637.8M as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is ACNB Corp's Piotroski F-Score?

ACNB Corp (ACNB) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 67 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.