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Acnb Corp

ACNB Nasdaq State Commercial Banks Financials FY2016–FY2025

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.

Download report 3-page PDF: the company, its results and charts with peers.

Last close Β· Oct 23, 2026

$65.42

0.0%

What Acnb Corp does

ACNB Β· State Commercial Banks

From its latest annual report

No business description yet.

Filing details

Legal name
ACNB CORP
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Mar 12, 2026
Accession Β· CIK
0001628280-26-017229 Β· 0000715579

KIRA’s summary AI analyst

Hi! I read Acnb Corp’s latest annual report (fiscal 2025). Here is what stands out:

2 strengths

1.Sales and profit

See section β†’
  • 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 in 30 seconds

Good So-so Weak

Good

Are sales growing?

+45.1%

Yes. Sales grew 45.1% last year.

Good

Does it make a profit?

19.3%

Yes. It keeps 19.3% of every sale as profit.

Good

How lean are its costs?

52.4%

Lean. Running costs take 52.4% of revenue.

So-so

How much does it earn on its capital?

10.2%

Fair. It earns 10.2% a year on shareholders’ money.

For information

How is the share priced?

12.3x

One share costs 12.3 times its yearly profit per share.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$668M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
12.3x
On $5.33 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· 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.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned 10.2% on shareholders’ money. Running costs took 52.4% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Acnb Corp made $37.1M of net profit in fiscal 2025.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned 10.2% on shareholders’ money. Running costs took 52.4% of revenue (the efficiency ratio; lower is better).

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days Acnb Corp did it, and the next one. Share prices often move a lot on those days.

Next results

January 21, 2027

Thursday Β· in 88 days

Time
Before the market opens
Covers
Period ended Dec 31, 2026
Source
Stoqly estimate

Estimated from the same quarter last year. It will be replaced by the announced date once there is one.

See who else reports that week β†’
Date Results for Time Source
Oct 22, 2026 Period ended Sep 30, 2026 Before the market opens 8-K β†—
Jul 23, 2026 Q2 '26 Before the market opens 8-K β†—
Apr 23, 2026 Q1 '26 Before the market opens 8-K β†—
Jan 22, 2026 Q4 '25 Before the market opens 8-K β†—
Oct 23, 2025 Q3 '25 Before the market opens 8-K β†—
Jul 24, 2025 Q2 '25 Before the market opens 8-K β†—
Apr 24, 2025 Q1 '25 Before the market opens 8-K β†—
Jan 23, 2025 Q4 '24 After the market closes 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

Revenue and margins

KIRA Β· 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.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· Acnb Corp made $37.1M of net profit in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA Β· Acnb Corp returned $25.5M to shareholders in fiscal 2025, 49% of free cash flow. The diluted share count rose 20.5%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· No open-market insider trades in the last 12 months.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

No open-market insider trades in the last 12 months.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $1.4B$1.5Bβ€”β€”β€”
Deposits $2.4B$2.2B$1.9B$1.8B$2.5B
Loans / deposits 59.7%69.2%β€”β€”β€”
Total assets $2.8B$2.5B$2.4B$2.4B$3.2B
Shareholders' equity $272M$245M$277M$303M$420M
Goodwill $42.1M$44.2M$44.2M$44.2M$64.4M
Intangible assets $6.1M$10.3M$9.1M$7.8M$22.4M
Provision / loans 0.0%0.0%β€”β€”β€”

Returns and efficiency

KIRA Β· It earned 10.2% on shareholders’ money. Running costs took 52.4% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $49.8M $60.5M $73.0M $77.6M $93.2M $94.0M $109M $115M $132M $192M
Net interest income $36.6M $46.4M $57.1M $59.4M $73.1M $71.2M $83.4M $88.3M $86.4M $118M
Noninterest income $13.2M $14.1M $15.9M $18.2M $20.1M $22.8M $21.8M $18.4M $24.7M $28.6M
Noninterest expense $35.1M $44.1M $44.7M $47.6M $61.3M $59.0M $60.3M $66.1M $70.7M $101M
Provision for credit losses $0.0M $0.0M $1.6M $0.6M $9.1M $0.1M $0.0M β€” β€” β€”
Interest expense $3.9M $5.4M $7.4M $10.1M $12.2M $6.9M $3.6M $8.3M $23.9M $40.1M
Pretax income $14.6M $16.4M $26.7M $29.4M $22.7M $35.0M $45.0M $39.8M $40.4M $46.5M
Income tax β€” β€” β€” β€” β€” β€” β€” $8.2M $8.6M $9.4M
Net income $10.9M $9.8M $21.7M $23.7M $18.4M $27.8M $35.8M $31.7M $31.8M $37.1M
Diluted EPS β€” β€” β€” β€” β€” β€” $4.15 $3.71 $3.73 $3.60
Diluted shares β€” β€” β€” β€” β€” β€” 0.01B 0.01B 0.01B 0.01B
Cash flow
Cash from operations $12.1M $17.0M $29.5M $25.7M $25.5M $42.1M $39.2M $40.6M $39.8M $53.6M
Capital expenditure $2.3M $1.8M $1.7M $1.4M $1.0M $1.6M $1.8M $1.2M $1.0M $1.1M
Free cash flow $9.8M $15.3M $27.8M $24.3M $24.4M $40.6M $37.4M $39.4M $38.8M $52.6M
Depreciation and amortization $1.5M $1.8M $2.1M $2.1M $2.4M $2.3M $3.8M $3.4M $3.0M $6.7M
Stock-based compensation β€” β€” β€” β€” β€” β€” β€” $1.0M $1.3M $1.4M
Acquisitions $0.0M βˆ’$6.4M $0.0M $0.0M βˆ’$35.3M $0.0M β€” $0.0M $0.0M βˆ’$36.2M
Share buybacks β€” β€” β€” β€” $0.0M $1.5M $6.7M $2.0M $0.2M $11.2M
Dividends paid $4.8M $5.2M $6.3M $6.9M $8.7M $9.0M $9.1M $9.7M $10.7M $14.4M
Dividends and buybacks $4.8M $5.2M $6.3M $6.9M $8.7M $10.5M $15.8M $11.7M $11.0M $25.5M
Balance sheet
Cash and short-term investments $18.9M $34.4M $40.9M $114M $399M $710M $168M $66.0M $47.3M $65.6M
Total debt $109M $132M $118M $99.7M $92.2M $69.9M $63.0M $252M $271M $320M
Loans, net $894M $1.2B $1.3B $1.3B $1.6B $1.4B $1.5B β€” β€” β€”
Deposits $968M $1.3B $1.3B $1.4B $2.2B $2.4B $2.2B $1.9B $1.8B $2.5B
Property and equipment, net $18.2M $26.8M $26.4M $25.7M $33.0M $31.0M $27.1M $26.3M $25.5M $30.6M
Goodwill $6.3M $19.6M $19.6M $19.6M $42.1M $42.1M $44.2M $44.2M $44.2M $64.4M
Intangible assets $0.7M $2.6M $4.4M $4.4M $7.3M $6.1M $10.3M $9.1M $7.8M $22.4M
Total assets $1.2B $1.6B $1.6B $1.7B $2.6B $2.8B $2.5B $2.4B $2.4B $3.2B
Total liabilities $1.1B $1.4B $1.5B $1.5B $2.3B $2.5B $2.3B $2.1B $2.1B $2.8B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $120M $154M $168M $190M $258M $272M $245M $277M $303M $420M
Margins
Net margin 21.8% 16.2% 29.8% 30.6% 19.7% 29.6% 32.8% 27.5% 24.1% 19.3%
FCF margin 19.6% 25.2% 38.1% 31.3% 26.2% 43.1% 34.3% 34.3% 29.4% 27.4%
Net interest share of revenue 73.5% 76.6% 78.2% 76.6% 78.4% 75.8% 76.6% 76.7% 65.3% 61.7%
Efficiency ratio 70.6% 72.9% 61.2% 61.4% 65.8% 62.7% 55.4% 57.4% 53.5% 52.4%
Returns
Return on equity 9.1% 7.1% 13.5% 13.3% 8.2% 10.5% 13.8% 12.1% 11.0% 10.2%
Return on assets 0.9% 0.7% 1.3% 1.4% 0.9% 1.0% 1.3% 1.3% 1.3% 1.3%
Return on tangible equity 9.6% 7.4% 15.1% 14.3% 8.8% 12.4% 18.8% 14.1% 12.7% 11.1%
Growth
Revenue growth β€” 21.6% 20.7% 6.2% 20.1% 0.9% 15.8% 5.7% 14.9% 45.1%
Net income growth β€” βˆ’9.9% 122.2% 9.1% βˆ’22.5% 51.3% 28.4% βˆ’11.4% 0.5% 16.3%
EPS growth β€” β€” β€” β€” β€” β€” β€” βˆ’10.6% 0.5% βˆ’3.5%
FCF growth β€” 56.0% 82.3% βˆ’12.6% 0.5% 66.0% βˆ’7.8% 5.5% βˆ’1.6% 35.4%
Share count change β€” β€” β€” β€” β€” β€” β€” βˆ’1.0% 0.0% 20.5%
Financial health
Debt / equity 0.9x 0.9x 0.7x 0.5x 0.4x 0.3x 0.3x 0.9x 0.9x 0.8x
Loans / deposits 92.4% 94.7% 95.6% 89.1% 74.0% 59.7% 69.2% β€” β€” β€”
Provision / loans 0.0% 0.0% 0.1% 0.0% 0.6% 0.0% 0.0% β€” β€” β€”
Capital allocation
Capex / revenue 4.7% 2.9% 2.4% 1.8% 1.1% 1.7% 1.7% 1.0% 0.7% 0.6%
Stock comp / revenue β€” β€” β€” β€” β€” β€” β€” 0.9% 1.0% 0.7%
Payouts / FCF 49.5% 34.3% 22.5% 28.5% 35.6% 25.9% 42.3% 29.7% 28.2% 48.6%
Quality scores
Piotroski F-score β€” β€” β€” β€” β€” β€” β€” 5.0 5.0 5.0
Accruals ratio βˆ’0.1% βˆ’0.5% βˆ’0.5% βˆ’0.1% βˆ’0.3% βˆ’0.5% βˆ’0.1% βˆ’0.4% βˆ’0.3% βˆ’0.6%

Source: SEC EDGAR XBRL filings (CIK 0000715579). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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