Acnb Corp
ACNB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$64.99
KIRA · Stoqly’s AI analyst, in plain words
- Acnb Corp had $192M of revenue in fiscal 2025, up 45.1% on the year before. Over five years, revenue changed +15.5% a year on average.
- Acnb Corp made $37.1M of net profit in fiscal 2025.
- Acnb Corp returned $25.5M to shareholders in fiscal 2025, 49% of free cash flow. The diluted share count rose 20.5%.
- It earned 10.2% on shareholders’ money. Running costs took 52.4% of revenue (the efficiency ratio; lower is better).
Market cap
$664M
P/E
12.2x
Revenue
$192M
Net income
$37.1M
Return on equity
10.2%
Efficiency ratio
52.4%
Acnb Corp in 30 seconds · fiscal 2025
Are sales growing?
+45.1%
Yes. Sales grew 45.1% last year.
Does it make a profit?
19.3%
Yes. It keeps 19.3% of every sale as profit.
How lean are its costs?
52.4%
Lean. Running costs take 52.4% of revenue.
How much does it earn on its capital?
10.2%
Fair. It earns 10.2% a year on shareholders’ money.
How is the share priced?
12.2x
One share costs 12.2 times its yearly profit per share.
What Acnb Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- ACNB CORP
- CIK
- 0000715579
Acnb Corp · ACNB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $94.0M | $109M | $115M | $132M | $192M |
| Revenue growth | 0.9% | 15.8% | 5.7% | 14.9% | 45.1% |
| Net interest income | $71.2M | $83.4M | $88.3M | $86.4M | $118M |
| Net income | $27.8M | $35.8M | $31.7M | $31.8M | $37.1M |
| Net margin | 29.6% | 32.8% | 27.5% | 24.1% | 19.3% |
| Diluted EPS | — | $4.15 | $3.71 | $3.73 | $3.60 |
| Cash | |||||
| Cash from operations | $42.1M | $39.2M | $40.6M | $39.8M | $53.6M |
| Capital expenditure | $1.6M | $1.8M | $1.2M | $1.0M | $1.1M |
| Free cash flow | $40.6M | $37.4M | $39.4M | $38.8M | $52.6M |
| FCF margin | 43.1% | 34.3% | 34.3% | 29.4% | 27.4% |
| Dividends paid | $9.0M | $9.1M | $9.7M | $10.7M | $14.4M |
| Share buybacks | $1.5M | $6.7M | $2.0M | $0.2M | $11.2M |
| Share count change | — | — | −1.0% | 0.0% | 20.5% |
| Debt and strength | |||||
| Cash and short-term investments | $710M | $168M | $66.0M | $47.3M | $65.6M |
| Debt incl. finance leases | $69.9M | $63.0M | $252M | $271M | $320M |
| Loans, net | $1.4B | $1.5B | — | — | — |
| Deposits | $2.4B | $2.2B | $1.9B | $1.8B | $2.5B |
| Shareholders' equity | $272M | $245M | $277M | $303M | $420M |
| Returns and quality | |||||
| Return on equity | 10.5% | 13.8% | 12.1% | 11.0% | 10.2% |
| Return on tangible equity | 12.4% | 18.8% | 14.1% | 12.7% | 11.1% |
| Efficiency ratio | 62.7% | 55.4% | 57.4% | 53.5% | 52.4% |
| Piotroski F-score | — | — | 5 | 5 | 5 |
Insiders bought, 12 months
$0.0M
2 insiders
Insiders sold, 12 months
$0.6M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Acnb Corp · ACNB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $64.99 a share, the company is worth $664M: 12.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000715579). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.