ACNB on Nasdaq
ACNB CORP
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Last updated Oct 16, 2026.
Overview
Compare with COLUMBIA BANKING SYSTEM, INC., CHOICEONE FINANCIAL SERVICES INC or Citizens & Farmers Bank, or pick any stock.
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
19.3%Net margin3
45.1%Revenue growth, 20253
8.8%Return on equity3
0.61×Debt to equity3
$52.6MFree cash flow3
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Mortgage Banking brought in 29% of the revenue ACNB CORP broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Mortgage Banking | $56.0K | $301.0K | $5.3M |
| Deposit Account | $4.0M | $4.1M | $4.8M |
| Fiduciary and Trust | $3.6M | $4.2M | $4.5M |
| ATM Service Charges and Debit Card Transactions | $3.3M | $3.3M | $3.6M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs55¢$105.2M
- Interest21¢$40.1M
- Income tax5¢$9.4M
- Profit19¢$37.1M
Out of $191.8M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending2¢$1.1M
- Dividends paid27¢$14.4M
- Share buybacks21¢$11.2M
- Kept or used elsewhere50¢$27.0M
Out of $53.6M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Taxable | $142.5M | $90.5M | $79.4M |
| Tax-exempt | $1.3M | $1.2M | $1.4M |
| Taxable | $13.2M | $10.7M | $11.0M |
| Tax-exempt | $1.1M | $1.1M | $1.2M |
| Dividends | $1.3M | $970.0K | $331.0K |
| Other | $3.8M | $2.8M | $3.3M |
| Total Interest and Dividend Income | $163.2M | $107.5M | $96.6M |
| Deposits | $26.7M | $11.2M | $3.7M |
| Short-term borrowings | $1.6M | $859.0K | $898.0K |
| Long-term borrowings | $11.8M | $11.8M | $3.7M |
| Total Interest Expense | $40.1M | $23.9M | $8.3M |
| Net Interest Income | $123.1M | $83.6M | $88.3M |
| Provision for (reversal of) credit losses | $5.3M | -$2.4M | $860.0K |
| Reversal of provision for unfunded commitments | -$532.0K | -$326.0K | -$16.0K |
| Net Interest Income after Provisions for (Reversals of) Credit Losses and Unfunded Commitments | $118.4M | $86.4M | $87.5M |
| Insurance commissions | $9.5M | $9.8M | $9.3M |
| Earnings on investment in bank-owned life insurance | $2.6M | $2.0M | $1.9M |
| Gain on life insurance proceeds | $285.0K | $0 | $0 |
| Net (losses) gains on sales or calls of investment securities | -$3.5M | $69.0K | -$5.2M |
| Net gains (losses) on equity securities | $30.0K | -$9.0K | $18.0K |
| Gain on assets held for sale | $0 | $0 | $337.0K |
| Other | $1.6M | $963.0K | $1.1M |
| Total Noninterest Income | $28.6M | $24.7M | $18.4M |
| Salaries and employee benefits | $52.8M | $42.9M | $40.9M |
| Equipment | $9.5M | $7.3M | $6.5M |
| Net occupancy | $5.2M | $4.2M | $3.9M |
| Professional services | $2.7M | $2.1M | $2.3M |
| Other tax | $1.8M | $1.4M | $1.3M |
| FDIC and regulatory | $1.8M | $1.4M | $1.4M |
| Intangible assets amortization | $4.3M | $1.2M | $1.4M |
| Merger-related | $10.7M | $2.0M | $0 |
| Other | $11.8M | $8.0M | $8.3M |
| Total Noninterest Expenses | $100.5M | $70.7M | $66.1M |
| Income Before Income Taxes | $46.5M | $40.4M | $39.8M |
| Income taxes | $9.4M | $8.6M | $8.2M |
| Net Income | $37.1M | $31.8M | $31.7M |
| Basic earnings | $3.61 | $3.75 | $3.72 |
| Diluted earnings | $3.60 | $3.73 | $3.71 |
| Weighted average shares outstanding, basic (in shares) | 10.3M shares | 8.5M shares | 8.5M shares |
| Weighted average shares outstanding, diluted (in shares) | 10.3M shares | 8.5M shares | 8.5M shares |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $20.6M | $16.4M | |
| Interest-bearing deposits with banks | $45.0M | $30.9M | |
| Total Cash and Cash Equivalents | $65.6M | $47.3M | |
| Equity securities with readily determinable fair values | $949.0K | $919.0K | $928.0K |
| Investment securities available for sale, at estimated fair value | $466.9M | $394.0M | |
| Investment securities held to maturity, at amortized cost (fair value $57,537, $56,924) | $63.3M | $64.6M | |
| Loans held for sale | $28.2M | $426.0K | |
| Total loans, net of unearned income | $2.3B | $1.7B | |
| Less: Allowance for credit losses | -$23.7M | -$17.3M | -$20.0M |
| Loans, net | $2.3B | $1.7B | |
| Premises and equipment, net | $30.6M | $25.5M | |
| Right of use asset | $4.2M | $2.7M | |
| Restricted investment in bank stocks | $14.2M | $10.9M | |
| Investment in bank-owned life insurance | $105.8M | $81.8M | |
| Investments in low-income housing partnerships | $751.0K | $877.0K | |
| Goodwill | $64.4M | $44.2M | $44.2M |
| Intangible assets, net | $22.4M | $7.8M | $9.1M |
| Assets held for sale | $275.0K | $0 | |
| Foreclosed assets held for resale | $19.0K | $438.0K | |
| Other assets | $53.5M | $47.9M | |
| Total Assets | $3.2B | $2.4B | $2.4B |
| Deposits: Non-interest bearing | $553.9M | $451.5M | |
| Deposits: Interest bearing | $1.9B | $1.3B | |
| Total Deposits | $2.5B | $1.8B | |
| Short-term borrowings | $64.7M | $15.8M | |
| Long-term borrowings | $255.4M | $255.3M | |
| Lease liability | $4.5M | $2.8M | |
| Allowance for unfunded commitments | $1.8M | $1.4M | |
| Other liabilities | $31.6M | $23.7M | |
| Total Liabilities | $2.8B | $2.1B | |
| Preferred stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding at December 31, 2025 and 2024 | $0 | $0 | |
| Common stock, $2.50 par value; 20,000,000 shares authorized; 11,028,152 and 8,945,293 shares issued; 10,372,251 and 8,553,785 shares outstanding at December 31, 2025 and 2024, respectively | $27.6M | $22.4M | |
| Treasury stock, at cost 655,901 and 391,508 shares at December 31, 2025 and 2024, respectively | -$22.4M | -$11.2M | |
| Additional paid-in capital | $179.7M | $99.2M | |
| Retained earnings | $257.3M | $234.6M | |
| Accumulated other comprehensive loss | -$22.2M | -$41.7M | |
| Total Stockholders Equity | $420.0M | $303.3M | $277.5M |
| Total Liabilities and Stockholders Equity | $3.2B | $2.4B | |
| Securities held to maturity, fair value | $57.5M | $56.9M | |
| Preferred stock, par value | $2.50 | $2.50 | |
| Preferred stock, shares authorized | 20.0M shares | 20.0M shares | |
| Preferred stock, shares outstanding | 0 shares | 0 shares | |
| Common stock, par value | $2.50 | $2.50 | |
| Common stock, shares authorized | 20.0M shares | 20.0M shares | |
| Common stock, shares issued | 11.0M shares | 8.9M shares | |
| Common stock, shares outstanding | 10.4M shares | 8.6M shares | |
| Treasury stock, shares | 655.9K shares | 391.5K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $37.1M | $31.8M | $31.7M |
| Gain on sales of loans originated for sale | -$5.3M | -$301.0K | -$56.0K |
| Earnings on investment in bank-owned life insurance | -$2.6M | -$2.0M | -$1.9M |
| Net losses (gains) on sales or calls of investment securities | $3.5M | -$69.0K | $5.2M |
| Net (gains) losses on equity securities | -$30.0K | $9.0K | -$18.0K |
| Gain on sales of assets held for sale | $0 | $0 | -$337.0K |
| Restricted stock compensation expense | $1.4M | $1.3M | $1.0M |
| Depreciation and amortization | $6.7M | $3.0M | $3.4M |
| Net Amortization Of Purchase Accounting Adjustments | $7.7M | $0 | $0 |
| Provision for (reversal of) credit losses and unfunded commitments | $4.7M | -$2.8M | $844.0K |
| Net amortization of investment securities premiums | $1.2M | $1.7M | $690.0K |
| Decrease (increase) in interest receivable | $155.0K | -$109.0K | -$1.2M |
| (Decrease) increase in interest payable | -$778.0K | $757.0K | $743.0K |
| Mortgage loans originated for sale | -$194.6M | -$13.1M | -$2.6M |
| Proceeds from sales of loans originated for sale | $184.7M | $13.2M | $2.5M |
| Decrease (increase) in other assets | $6.4M | $5.4M | -$7.4M |
| Deferred income tax | $3.6M | $779.0K | $2.4M |
| (Decrease) increase in other liabilities | -$285.0K | $108.0K | $5.7M |
| Net Cash Provided by Operating Activities | $53.6M | $39.8M | $40.6M |
| Proceeds from calls/maturities of investment securities held to maturity | $1.7M | $727.0K | $1.1M |
| Proceeds from calls/maturities of investment securities available for sale | $57.5M | $44.7M | $32.6M |
| Proceeds from sales of investment securities available for sale | $169.3M | $14.3M | $125.2M |
| Proceeds from sales of equity securities | $0 | $0 | $592.0K |
| Purchase of investment securities available for sale | -$183.0M | $0 | -$48.8M |
| Net purchases of restricted investment in bank stocks | -$61.0K | -$1.2M | -$8.0M |
| Net increase in loans | -$7.3M | -$55.2M | -$89.6M |
| Purchase of bank-owned life insurance | -$8.3M | $0 | $0 |
| Gain on life insurance proceeds | -$285.0K | $0 | $0 |
| Net cash and cash equivalents received from acquisition | $36.2M | $0 | $0 |
| Acquisition of insurance books of business/agency | $0 | $0 | -$174.0K |
| Capital expenditures | -$1.1M | -$960.0K | -$1.2M |
| Proceeds from sales of assets held for sale | $0 | $0 | $3.7M |
| Net Cash Provided by Investing Activities | $64.6M | $2.4M | $15.4M |
| Net decrease in noninterest-bearing deposits | -$8.0M | -$48.8M | -$94.7M |
| Net decrease in interest-bearing deposits | -$75.7M | -$20.5M | -$242.4M |
| Net increase (decrease) in short-term borrowings | $48.9M | -$41.1M | $14.9M |
| Proceeds from long-term borrowings | $0 | $60.0M | $175.0M |
| Repayments on long-term borrowings | -$40.2M | $0 | $0 |
| Dividends paid | -$14.4M | -$10.7M | -$9.7M |
| Common stock repurchased | -$11.2M | -$249.0K | -$2.0M |
| Common stock issued, net of restricted stock forfeitures and withheld for taxes | $642.0K | $424.0K | $721.0K |
| Net Cash Used in Financing Activities | -$99.9M | -$60.9M | -$158.2M |
| Net Increase (Decrease) in Cash and Cash Equivalents | $18.4M | -$18.7M | -$102.2M |
| Cash paid for interest | $39.5M | $23.1M | $7.2M |
| Cash paid for Federal income taxes | $4.9M | $6.0M | $9.0M |
| Cash paid for State income taxes | $417.0K | $578.0K | $1.0M |
| Recognition of operating lease right of use assets | $729.0K | $0 | $126.0K |
| Recognition of operating lease liabilities | $729.0K | $0 | $126.0K |
| Premises and equipment, net transferred to assets held for sale | $275.0K | $0 | $0 |
| Loans transferred to foreclosed assets held for resale and other foreclosed transactions | $0 | $32.0K | $0 |
| Net assets acquired | $877.6M | $0 | $0 |
| Liabilities assumed | $793.9M | $0 | $0 |
| Common shares issued | $83.6M | $0 | $0 |
Recent filings
- Sep 25, 20268-K
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Sep 17, 20264
- Aug 7, 2026144
- Aug 7, 20264
- Aug 6, 202610-Q
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1SEC EDGARACNB CORP filings on SEC EDGAR
- 2SEC EDGARACNB CORP filings on SEC EDGAR
- 3SEC EDGARACNB CORP 10-K for fiscal 2025
- 4SEC EDGARACNB CORP 10-K for fiscal 2022
- 5SEC EDGARACNB CORP 10-K for fiscal 2019
- 6SEC EDGARACNB CORP 10-K for fiscal 2020
- 7SEC EDGARACNB CORP 10-K for fiscal 2021
- 8SEC EDGARACNB CORP 10-Q for fiscal 2026
- 9SEC EDGARACNB CORP 10-Q for fiscal 2026
- 10SEC EDGARACNB CORP 10-K for fiscal 2022