Acnb Corp (ACNB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Acnb reported revenue of $151.7M, up 40.0% from $108.3M the year before. Net income was $37.1M (a 24.4% net margin), or $3.60 per diluted share. Net interest income was $123.1M, and the efficiency ratio (noninterest expense / revenue) was 66.3%. Operating activities generated $53.6M of cash, leaving $52.6M of free cash flow. At fiscal year end, Acnb held $3.23B in total assets against $2.81B in total liabilities, including $65.6M of cash and equivalents.
Open the full interactive Acnb financials → Quarterly statements, key ratios, valuation history and price charts.
Acnb Key Stats
| Share Price | $62.71 |
|---|---|
| Market Cap | $640.4M |
| P/E Ratio | 17.4 |
| Revenue YoY Growth | +40.0% |
| 52-Week Range | $41.32 – $65.95 |
| Shares Outstanding | 10.2 million (basic, 2026 Q2) |
Acnb Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $73.1M | $71.2M | $83.4M | $88.3M | $83.6M | $123.1M |
| Provision for Credit Losses | $9.1M | $50,000 | $0 | $844,000 | -$2.8M | $5.3M |
| Noninterest Income | $19.9M | $22.8M | $21.8M | $18.4M | $24.7M | $28.6M |
| Noninterest Expense | $61.2M | $59.0M | $60.3M | $66.1M | $70.7M | $100.5M |
| Revenue | $93.0M | $94.0M | $105.2M | $106.8M | $108.3M | $151.7M |
| Pre-Tax Income | $18.4M | $35.0M | $45.0M | $39.8M | $40.4M | $46.5M |
| Income Tax | — | $7.2M | $9.2M | $8.2M | $8.6M | $9.4M |
| Net Income | $18.4M | $27.8M | $35.8M | $31.7M | $31.8M | $37.1M |
| Diluted EPS | — | — | — | $3.71 | $3.73 | $3.60 |
Acnb Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $40.5M | $37.2M | $40.8M | $42.8M |
| Net Income | $14.9M | $10.8M | $13.7M | $15.2M |
| Diluted EPS | $1.42 | $1.05 | $1.32 | $1.49 |
Acnb Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $399.4M | $710.1M | $168.2M | $66.0M | $47.3M | $65.6M |
| Loans (Net) | $1.62B | $1.45B | $1.52B | — | — | — |
| Total Assets | $2.56B | $2.79B | $2.53B | $2.42B | $2.39B | $3.23B |
| Deposits | $2.19B | $2.43B | $2.20B | $1.86B | $1.79B | $2.45B |
| Total Long-Term Debt | $53.7M | $34.7M | $21.0M | $195.3M | $255.3M | $255.4M |
| Total Liabilities | $2.30B | $2.51B | $2.28B | $2.14B | $2.09B | $2.81B |
| Shareholders' Equity | $258.0M | $272.1M | $245.0M | $277.5M | $303.3M | $420.0M |
Acnb Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $25.5M | $42.1M | $39.2M | $40.6M | $39.8M | $53.6M |
| Cash From Investing | -$114.8M | $60.5M | -$331.7M | $15.4M | $2.4M | $64.6M |
| Cash From Financing | $374.4M | $208.1M | -$249.4M | -$158.2M | -$60.9M | -$99.9M |
| Free Cash Flow | $24.4M | $40.5M | $37.4M | $39.4M | $38.8M | $52.6M |
Figures from Acnb's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Acnb financials page for every line item.
Acnb Company Profile
| Ticker | ACNB |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Gettysburg, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000715579 |
Frequently Asked Questions
What was Acnb's revenue in fiscal 2025?
Acnb (ACNB) reported revenue of $151.7M for fiscal 2025.
What is Acnb's annual revenue history?
Acnb's annual revenue by fiscal year: 2020: $93.0M; 2021: $94.0M; 2022: $105.2M; 2023: $106.8M; 2024: $108.3M; 2025: $151.7M.
What was Acnb's net income in fiscal 2025?
Acnb reported net income of $37.1M for fiscal 2025.
What was Acnb's earnings per share (EPS) in fiscal 2025?
Acnb's diluted EPS was $3.60 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Acnb generate in fiscal 2025?
Acnb generated $52.6M of free cash flow in fiscal 2025.
What was Acnb's revenue last quarter?
In its most recent reported quarter (2026 Q2), Acnb reported revenue of $42.8M.
How much debt does Acnb have?
Acnb reported $255.4M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Acnb are outstanding?
Acnb reported a weighted average of 10.2 million basic shares outstanding in 2026 Q2.
What is Acnb's market cap?
Based on its latest closing price, Acnb (ACNB) has a market capitalization of about $640.4M.
When does Acnb's fiscal year end?
Acnb's fiscal year end, as registered with the SEC, is December 31.
Where is Acnb headquartered?
Acnb lists its business address in Gettysburg, Pennsylvania in its SEC filings.